ICICI Lombard Personal Protect Health Insurance
Cashless Approval TAT | 2 hr Cashless Claim Processing |
Claim Settlement Ratio | 99.70% |
Network Hospitals | 7,500+ |
Pre-existing Disease Waiting Period | 2 year |
Special Benefits | Anywhere Cashless |
Starting Premium for Rs. 5 lakh SI | Rs. 581/month |
About ICICI Lombard Personal Protect Health Insurance
Personal Protect Policy keeps your family financially secured in case you are not around. The policy offers accidental death benefit to the nominee in case the insured dies in an accident. The policy also offers Total permanent Disability Benefit under which the health insurance company pays 100% sum insured in case the policyholder becomes incapacitated, as a result of which, he/she is not able to earn an income for the rest of teh life. The policy comes with a variety of sum insured options-Rs. 3 Lakh, Rs 5 Lakhs, Rs 10 Lakhs, Rs 15 Lakhs, Rs 20 Lakhs and Rs. 25 Lakh which the policyholders can choose as per their requirement.
Personal Protect Policy covers you for different types of accidents like road accidents, rail accidents, etc. due to natural calamities arising due to terrorism or terrorist acts. The policy can be bought by people aged between 18 years and 65 years. A highlight of the policy is that there is no requirement of health check-up to be covered under this policy. Also, the policy offers worldwide coverage to the insured. To be covered under the policy, you can pay the premium in installments as well. This will keep you at ease.
Health Insurance Calculator
Whom do you want the insurance for ?
Select the age of all members
- You
Where do you live ?
Choose required Coverage for yourself?
Key Inclusions and Exclusions of the Plan
What's Included
- Cover against accidental death or permanent total disablement due to an accident
- Optional coverage for accidental hospitalisation expenses and accidental hospital daily allowance
- No health check-up required
- Worldwide coverage of the policy
- Sum insured options between Rs. 3 Lakh and Rs. 25 Lakh
What's Not Included
- Claims arising due to intentional self-injury, suicide, or attempt of suicide
- Any claim arising due to the insured committing breach of law with criminal intent
- Childbirth, pregnancy, or consequences thereof
- Claims made due to venereal disease or insanity
- The insured event happening because insured is intoxicated
4280 ICICI Lombard Cashless Network Hospitals in India
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Add-ons to Enhance Benefits
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Accidental Hospital Daily Allowance
This add-on benefit provides a per day allowance to you every day during hospitalisation after the insured event, not more than 30 days of hospitalisation and deductible of 1 day.
Claim Process at ICICI Lombard Health Insurance
FAQs on Personal Protect Health Insurance Plan
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Can I take cover for my spouse under this policy?
Yes. You can purchase additional policy cover for your spouse aged between 18 years and 65 years.
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What are the benefits of this policy?
Personal Protect Policy offers the following benefits:
- Cover for accidental death or Permanent Total Disablement (PTD) in the misfortunate event of an accident
- Optional cover of accidental hospitalisation expenses and Accidental Hospital Daily Allowance
- Cover in case of accidents (road, rail, or accidents due to natural calamities, or the ones arising due to terrorism or an act of terrorism
- There is no requirement of health check-up
- Easy claim settlement process with least documentation
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What is the eligibility for Personal Protect Policy?
Following is the eligibility criteria for Personal Protect Policy:
- Any person aged between 18 years and 65 years is eligible to buy this policy
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Who all can be covered under Personal Protect Policy?
Apart from self, spouse, children, and/or parents can be covered under Personal Protect Policy.