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ICICI Lombard Personal Accident Insurance policy covers you against Accidental Death and Permanent Total Disablement (PTD) due to accident. You can choose from 4 options of Rs. 3 Lakhs, 5 Lakhs, 10 Lakhs or 20 Lakhs with a choice of cover period (annual auto renewal) - 3, 4 or 5 years.

	Covers against Accidental Death or Permanent Total Disablement (PTD) on account of an accident.
	Choose among Sum insured options of Rs. 3, 5, 10 and 20 Lakhs
	Covers claims arising out of Terrorism or acts of Terrorism
	Choice of cover: 3, 4 or 5 years
	No health check up required
	Easy Claim Process with minimal documentation
	Digitally signed policy is available 24X7 online and emailed immediately to you, from which printouts can be taken. The hard copy will reach you within 2-3 days (couriered the same day if booked before 6 pm, else will be sent the following day)

You can pay through your ICICI Bank, Citibank & HDFC Credit Card and avail of equal monthly installments (EMI) without any extra charges.

EMI facility available only for ICICI Bank, Citibank, HDFC Bank (up to 6 months) and card customers at the sole discretion of the Banks. Note: EMI option subject to minimum annual premium of Rs. 1500. Click here to know more.

Death of the Insured person: In case of death of the insured due to an accident (including on account of terrorism or acts of terrorism) within the policy period, the nominee (mentioned in the policy) is compensated with the Sum Insured.

Permanent Total Disablement (PTD): 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. Click here for details

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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%.

1.	Age criteria at entry: Minimum 18 years, Maximum 70 years
2.	The applicant can buy the policy for his spouse aged between 18-70 years

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Policy Exclusions

Exclusions valid for the first 30 Days
Any illness contracted within 30 days of the inception date of the Policy, except those that are incurred as a result of an accident. This clause is not applicable on the subsequent renewals.
Exclusions valid for the first 2 Years
Treatment of the following diseases/illness/ailments: Exclusions valid for the first 30 Days Any illness contracted within 30 days of the inception date of the Policy, except those that are incurred as a result of an accident. This clause is not applicable on the subsequent renewals.
Exclusions valid for the first 2 Years
Treatment of the following diseases/illness/ailments:

Cataract

Benign Prostatic Hypertrophy

Myomectomy, Hysterectomy unless because of malignancy

Hernia, Hydrocele

Fistula in Anus, Piles

Arthritis, Gout, Rheumatism

Joint replacement, unless due to accident

Sinusitis and related disorders

Stone in the urinary and biliary systems

Dilatation & Curettage

Skin and all internal tumors / cysts / nodules / polyps of any kind, including breast lumps, unless malignant / adenoids and hemorrhoids

Dialysis required for chronic renal failure

Surgery on tonsils, adenoids and sinuses

Gastric and duodenal ulcers

If the Policy is renewed with us for two consecutive years, the above diseases/illness/ailments will be covered from the 3rd year. If these are pre-existing diseases at the time of inception of the policy, the same will be covered from the 4th year onwards.

Frequently Asked Questions (FAQs)

I already have a health insurance from my employer. Do I still need Family Floater?

Yes. Your employer will cover your medical expenses only as long as you are providing him services. But if you change your job, retire or start something of your own venture, your personal health policy would be your shield. Secondly, the extent of cover offered by the employer may be below than what your need. The Family Floater policy will supplement your existing medical policy. Also, Family Floater provides a cover for all the insured family members under a single policy.

Do I get multiple health cards for every individual covered?

Yes. Although all the members are covered under one policy, each one of them shall get an individual health card.

How do I select the appropriate cover amount?

Consider the following factors Frequently Asked Questions (FAQs)

Your age: Age is a critical factor for determining the cover since health risk increases with age.

Pre-existing / hereditary diseases: Pre-existing diseases are covered subject to sub-limits and waiting period. For example: A person whose parents suffer from Diabetes is more prone to the same disease,here we recommend a higher cover at an early age in order to cover such pre-existing diseases.

Financial status: Consider your financial status and lifestyle before selecting the coverage amount.

Does a higher cover guarantee better protection?

A higher cover protects you from a medical emergency, which can burn a hole in your procket. Today, people are more prone to various ailments and health problems due to fast-paced lifestyle and erratic schedules. Rising medical cost is a major deterrent, and thus, a higher cover would guarantee you a better protection.

When do I have to take a medical check-up? What is the period for the medical check-up i.e., from the start date of the policy?

On purchase of the policy, we would inform you on the medical check-up routine. Ideally, the check-ups are conducted within 5 days of paying the first premium.

How can I obtain a hard copy of my policy?

You can select to the “Send me the Policy through courier” option while buying the policy, it will be couriered to your correspondence address, and will reach you within 15 days.

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SMS 'INSLOM' to 5676766

*Insurance is the subject matter of solicitation.

FAQs

Policy Exclusions


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