Individual  Personal Accident Insurance:

 Individual Personal Accident Insurance pays you/ your nominee the sum insured chosen, in case an accident occurs during the policy period resulting in the insured's:

• Death*
• Permanent Total Disability* - Individual  Personal Accident Insurance pays compensation against the permanent and total loss of limbs, sight etc., (including on account of terrorism or acts of terrorism) due to an accident.

*within 12 months from the date of accident

Note: If any such injury as mentioned above shall result in the inability to remain gainfully employed, then the Capital Sum Insured payable will be 100%

Expiry of the policy: The benefits offered under the policy shall stand forfeited on occurrence of any of the following:

• Payment of compensation under Accidental Death / Disability in respect of same period of Disability
• Customer attaining the age of 70 years
• Any fraud, misrepresentation, etc
  

• Covers against Accidental Death - Permanent Total Disablement (PTD) on account of an accident.
• Immediate cover on policy issuance
• Choose among Sum insured options of   3, 5, 10 and 20 Lakhs
• Covers claims arising out of Terrorism or acts of Terrorism
• No health check-up required for policy issuance
• Renewable till the age of 70 years
• Easy Claim Process with minimal documentation

• Call us at our toll free insurance helpline number at 1800 209 8888 to register your claim
• Submit documents to ICICI Lombard
• Admissible claims will be settled by ICICI Lombard within 21 days of receipt of all completed documents such as death certificate, doctor's certificate, FIR, police report, etc.

The Company shall not be liable under this policy for:

• Compensation/claim under more than one of the categories specified in the Policy
• Coverage in respect of the same period of disablement of the Insured Person.
• Claims arising from sickness/illness.
• Death, injury or disablement of Insured Person
  (a) from intentional self-injury, suicide or attempted suicide;
  (b) whilst under the influence of intoxicating liquor or drugs;
  (c) whilst engaging in aviation or ballooning, or whilst mounting into, or dismounting from or travelling in any balloon or aircraft other than as a passenger (fare-paying or otherwise) in any duly licensed standard type of aircraft anywhere in the world.
  (d) directly or indirectly caused by venereal disease or insanity;
  (e) arising or resulting from the Insured committing any breach of the law with criminal intent.
  
  ( f )war, invasion, act of foreign enemy, hostilities (whether war be declared or not) civil war, rebellion, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrests, restraints and detainment of all kinds.
  (g) Nuclear weapon induced treatment.
  (h) Childbirth or pregnancy or in consequence thereof