ICICI Personal Protect Policy

Key Features and Benefits of ICICI Lombard Personal Protect Policy

The plan offers various Benefits and has many unique features, which are mentioned below:

• Accidental Death Benefit
  In case of the death of the insured due to an accident during the policy period, the nominee will receive the sum insured payout, helping the family during difficult times.
• Permanent Total Disablement Benefit
  If the policyholder suffers permanent or partial loss of limbs or sight within the policy period, the policy provides compensation to help need the financial challenge of such a life-altering event.
• Accidental Hospitalization Benefit
  This benefit covers medical expenses incurred during hospitalization resulting from an injury within 7 days of the accident.
• Hospital Daily Allowance
  The insured has the option to include this benefit, which provides a daily allowance for each day of hospitalisation (up to 30 Days per year) due to an injury within 7 days of the accident. It helps to cover additional expenses during the hospital stay.
• Refund Grid
  If the policyholder needs to cancel the policy before the renewal, the refund grid ensures a partial premium refund based on the policy that has been in force.
• Free Look Period
  The insured has 15 days to review the policy terms, and if they disagree with any condition they may withdraw the policy within this period.
• Flexible Tenure
  The policy has a duration of 1,3, or 5 years, allowing the policyholder to customise the coverage according to their need.
• Life long Renewal
  The policyholder can renew the policy throughout their life without any age restrictions, ensuring continuous protection against accidents.
• Terrorism And Acts of Terrorism Coverage
  The plan offers coverage for the claims that have arisen from the act of terrorism, providing peace of mind in uncertain times.

• Delay In Hospitalization
  Any delay beyond 7 days of the accident may result in claim denials.
• Non-accident Hospitalisation
  Hospitalization due to illness or medical conditions unrelated to accident is not covered.
• Specific Medical Treatment
  Dental treatment, plastic surgery, and eye treatment are not covered under this plan.
• Intentional Self Injury
  The policy excludes the claims related to intentional self-injury, suicide or attempt to suicide.
• Influnece of Intoxcications
  If the policyholder is under the influence of any intoxicating liquors or drugs at the time of the accident, then the claims are denied.
• Pregnancy or Childbirth
  Claims related to complications arising due to childbirth or pregnancy are excluded.
• Venereal or Mental Disorder
  Claims arising due to mental illness or emotional disorders are not covered under this plan.
• Criminal Activities
  If the policyholders are involved in any breach of law with criminal intent, claims are denied by the company.