ICICI Lombard Personal Protect Health Insurance Plan

ICICI Lombard Personal Protect Health Insurance Plan

ICICI Lombard Personal Protect Health Insurance plan mainly offers coverage for damages caused by accidental injuries. It provides a lump-sum benefit for accidental death, total disability, and partial disability to nominees. The plan aims at protecting a policyholder’s family with various benefits. Moreover, it allows a policyholder to enhance the coverage with some add-ons for accidental hospitalization and daily hospital cash allowance.

The entry age is a minimum of 18 years and a maximum of 80 years. Moreover, the plan offers a wide range of sum insured options from Rs.3 lakhs to Rs. 25 lakhs, and policyholders can choose the right one which exactly suits their requirements.

Eligibility criteria for ICICI Lombard Personal Protect Health Insurance plan

Key highlights of ICICI Lombard Personal Protect Health Insurance plan

• The policy offers coverage for multiple types of accidents such as road, rail, natural calamities, war, terrorism, and so on
• No need for customers to undergo medical tests when they want to buy a policy
• Lifetime renewability 
• Floater coverage option for a family to include parents, children, spouses, and dependents under one policy 
• Easy claim process with minimal documentation 
• Worldwide coverage for policyholders no matter where they are
• Optional coverage against accidental hospital daily allowance and accidental hospitalization expenses
• The policy offers a special daily allowance for each day of hospitalization due to an accident and a maximum of 30 days
• Accidental hospitalization expenses reimbursement benefit for policyholders to cover medical expenses that have incurred towards hospitalization to treat an injury
• Online purchase with discounts that will save money 
• Multiple insured options for policyholders to choose them based on their choices
• The policy has a grace period of 30 days when a policyholder forgets to renew a policy on time
• Premium refund options for policyholders subject to conditions

Inclusions in ICICI Lombard Personal Protect Health Insurance plan

• Accidental death benefit: The policy offers a lump sum amount to a policyholder’s family when he/she dies due to an accident 
• Permanent disability coverage: Individuals can get compensation against the permanent loss of limbs, and loss of sight of both eyes
• Accidental hospitalization expenses: The policy reimburses medical expenses during hospitalization that arises due to an injury within 7 days from the accident 
• Accidental hospital daily cash allowance: The policy offers a special daily allowance for each day of hospitalization to policyholders for up to a maximum of 30 days in a year which arises out of an injury within 7 days from the date of the accident 
• Terrorism and out of Terrorism: The plan offers coverage for any claim that arises out of terrorism or acts of terrorism within a policy period

Exclusions in ICICI Lombard Personal Protect Health Insurance plan

• The policy doesn’t cover any expenses towards a hospitalization claim when a policyholder is not admitted to a hospital within 7 days of an accident
• Expenses that arise from any cause which is not an injury 
• Dental treatment, eye treatment, and plastic surgery unless they occur as a consequence of injury
• Intentional self-injury, attempted suicide, or suicide 
• Treatments under the influence of drug and alcohol 
• Treatments for mental illness, nervous disorders, and emotional disorders
• Injuries caused due to childbirth or pregnancy
• Expenses when a policyholder  is indulging in criminal or illegal acts
• The plan doesn’t cover any tax benefits to a policyholder 
• Accidents caused due to adventurous activities such as mounting, skiing, and travelling in aircraft which don’t have any standard passenger license