ICICI Lombard Personal Protect Policy: Benefits and Coverage
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ICICI Lombard Health Insurance ICICI Lombard Health Insurance ★ 4.4

ICICI Personal Protect Policy

Comprehensive health insurance covers road traffic accidents and assis ...Read More

Up to 3 Crores
Sum insured
1
No. of plans
320+
Pan India presence
97.16%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,704 reviews
🏥 10,600+ hospitals
📊 2.69 solvency ratio
✅ 97.16% claim settlement

Comprehensive health insurance covers road traffic accidents and assisted reproductive treatments. The plan offers a 5% discount on premiums for maintaining a healthy lifestyle.

Why Do We Recommend This?
  • Avail cataract treatments for covered members
  • Emergency domestic evacuation
  • Compassionate visit

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 to 80 Years
Plan type
Accident Health Insurance
Sum insured options
₹3 L, ₹25 L
Waiting period
N/A
Renewability
Lifelong
Policy term
1, 3, 5 Years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Accidental Death
  • Permanent Total Disablement Benefit
  • Hospital Daily Allowance

Cons

  • Illegal activities
  • Adventure sports
  • Obesity

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Not covered
  • ICU charges Not covered
  • Pre-hospitalization Not covered
  • Post-hospitalization Not covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Not covered
  • OPD charges Not covered
  • Covid-19 treatment Not covered
  • Cataract Not covered

Bonuses & restoration

  • No-claim bonus Not covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Not covered
  • Organ donor expenses Not covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Not covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Not covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Not Applicable
  • Sub-limits Applicable
  • Compassionate travel Not covered
  • Global coverage Covered

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min entry age: 18 Years
  • Max entry age: 80 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 25 L

Frequently Asked Questions

The 3 most-asked questions about ICICI Personal Protect Policy, answered.

The policy does not cover any pre-existing diseases, the plan basically covers injuries.
This term means that the sum insured can increase at policy renewal.
The cancellation process is as follows: Notify the company by email or phone. The company will verify the claims and premiums paid or dues. And if there are no dues or issues found they will cancel the policy. The refund is based on the remaining policy period.

Conclusion

Affordable accident-focused protection plan best suited as a supplementary cover alongside comprehen

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 19 May 2026 · Originally published: 18 Nov 2024

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