Personal Protect Policy

ICICI Lombard Personal Protect Policy is a comprehensive health insurance policy that offers an array of benefits and extensions to safeguard the insured and their family from the financial impacts of injuries. The plan covers events like Death, Permanent Total Disablement, Permanent Partial Disablement and Temporary Total Disablement due to accidents during the policy period.

Additionally, the policyholder has the option to include the coverage for daily hospital allowance and protection against terrorism-related incidents. The policy is renewable for life, with flexible tenure options of 1,3, or 5 years, catering to the individuals aged 18-80. This plan helps the insured maintain peace of mind by safeguarding their loved ones against life unexpected events.

Personal Protect Policy Specifications

To understand Personal Protect Policy Insurance in detail, take a look at the below table:

Entry Age

18 to 80 Years

Policy Type

Accident Health Insurance

Sum Insured

3 L | 25 L

Initial Waiting Period*

N/A Days

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.

Read more specifications in the brochure.

Coverage Table

Policy Coverage	SI	SI	SI	SI	SI	SI
Basic Coverage	Option 1	Option 2	Option 3	Option 4	Option 5	Option 6
Accident Resulting In Permanent Total Disablement(PTD)	300,000	500,000	1,000,000	1,500,000	2,000,000	2,000,000
Operational Coverage	Policy Year SI	Policy Year SI	Policy Year SI	Policy Year SI	Policy Year SI	Policy Year SI
Accidental Hospitalization Expenses	10,000	25,000	50,000	100,000	100,000	100,000
Accidental Hospital Daily Allowance	1,000 Per Day	1,000 Per Day	2,000 Per Day	2,000 Per Day	2,000 Per Day	2,000 Per Day

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.

Exclusions of ICICI Lombard Personal Protect Policy

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.

ICICI Personal Protect Plan Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under ICICI Personal Protect Plan are:

Hospitalization out of war, riot, strike, and nuclear weapons

Intentional self-injury

AIDS

Miscarriage, and Abortion

Congenital disease

Infertility and in vitro fertilization

Explore other ICICI Lombard Health Insurance

To cater to the different medical needs of an individual & their family, ICICI Lombard Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to ICICI Lombard Health Insurance plans explore more:

Individual and Family Health Insurance

AdvantEdge Plan

ICICI Lombard Health AdvantEdge plan is a comprehensive health insurance plan designed to cater to all your health care needs. A family health insuran...

Unique Features

Global Cover
SI Upto 3 Cr
Air Ambulance Cover

AdvantEdge Plan (Pros)

Restoration Benefit
Cumulative Bonus
Health Rewards
Domestic Air Ambulance

AdvantEdge Plan (Cons)

OPD Cover
Second medical opinion
Modern treatment
IVF treatment cover

AdvantEdge Plan (Other Benefits)

New Born Cover
Vaccine Cover
Maternity Cover
PED Cover
Personal Accident Cover

AdvantEdge Plan (Eligibility Criteria)

Entry Age: 18 - 65 years
SI: 5 L to 3 Cr
Initial waiting period: 30 days

Accident Health Insurance

Personal Protect Policy

ICICI Lombard Personal Protect Policy is a comprehensive health insurance policy that offers an array of benefits and extensions to safeguard the insu...

Unique Features

Accidental Death Benefit
Acts Of Terrorism Cover
Life Long Renewal

Personal Protect Policy (Pros)

Accidental Death
Permanent Total Disablement Benefit
Hospital Daily Allowance

Personal Protect Policy (Cons)

Illegal activities
Adventure sports
Obesity

Personal Protect Policy (Other Benefits)

Operational Coverage
Accidental Hospitalization
Hospital Daily Allowance

Personal Protect Policy (Eligibility Criteria)

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

Senior Citizen Health Insurance

Golden Shield Plan

Golden Shield Plan by ICICI Lombard is designed especially for senior citizens and to cater to all their health care needs. With growing age, the huma...

Unique Features

Care Management Program
50 L SI Available
Co-Pay Modification

Golden Shield Plan (Pros)

Reset Benefit
Coverage for Ambulance
Cashless Hospitalization

Golden Shield Plan (Cons)

Maternity cover
New born cover
Daily hospital cash

Golden Shield Plan (Other Benefits)

Care Management Program
AYUSH Treatments
Claim Protector

Golden Shield Plan (Eligibility Criteria)

Entry age: 56 years to no maximum limit
Sum insured: 5 to 50 Lakhs
Initial waiting period: 30 days

Individual and Family Health Insurance

Arogya Sanjeevani Policy

ICICI Lombard Arogya Sanjeevani is a versatile plan that pays for your medical bills in case of hospitalization. If you are looking for a health plan ...

Unique Features

COVID-19 Cover
Ambulance Cover
Affordable Plan

Arogya Sanjeevani Policy (Pros)

Cumulative bonus
Cataract treatment covered
Modern procedures covered
Intensive cardiac care charges

Arogya Sanjeevani Policy (Cons)

No eyesight correction expenses
Fertility expenses not covered
Nursing expenses not covered
Nursing at home not covered
OPD expenses not covered

Arogya Sanjeevani Policy (Other Benefits)

Floater benefit
Pre-existing diseases after 4 years
In-patient AYUSH treatment
Day care procedures

Arogya Sanjeevani Policy (Eligibility Criteria)

Entry age- 18 years
Max entry age- 65 years
SI- 1 L to 5 L
Waiting period- 30 days

Top Up and Super Top Up

Health Booster

ICICI Lombard Health Booster is a comprehensive super top-up health insurance plan designed to enhance your existing coverage. The policy acts as a s...

Unique Features

Reset Benefit
Top-up Plan
Lifetime Renewability

Health Booster (Pros)

In-patient treatment covered
High range of coverage
Flexible coverage

Health Booster (Cons)

Injury due to war
Cosmetic surgery
Aesthetics treatment

Health Booster (Other Benefits)

Reset benefit
Domestic road emergency
Pre and post-hospitalisation
Donor expenses

Health Booster (Eligibility Criteria)

Min entry age: 6 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 50 L

Individual and Family Health Insurance

ICICI Lombard MaxProtect Plan

ICICI Lombard MaxProtect health insurance plan is a multiple-benefit provider plan that comes with affordable premiums. It has two variants ie, Classi...

Unique Features

Up to 1 Crore SI
International coverage
Modern treatment

ICICI Lombard MaxProtect Plan (Pros)

Worldwide coverage
Modern-day treatment procedures
Reset benefits

ICICI Lombard MaxProtect Plan (Cons)

Maternity cover
OPD not covered
Daily hospital cash

ICICI Lombard MaxProtect Plan (Other Benefits)

Multi-yearPolicy discounts
Automatic restoration
Domiciliary hospitalization

ICICI Lombard MaxProtect Plan (Eligibility Criteria)

Entry age: 21 to 65 years
Sum Insured: Upto 1 Cr
Initial Waiting Period: 30 Days

Individual and Family Health Insurance

Health Shield 360

Worried about your medical expenses? Boost your healthcare experience with the ICICI Lombard Health Shield 360 insurance policy. Healthcare is one of ...

Unique Features

360° wellbeing programs
High SI options
Home healthcare

Health Shield 360 (Pros)

Worldwide cashless facility
Unlimited reset cover
Daycare procedures

Health Shield 360 (Cons)

Illegal activites
Adventure sports
Drug abuse

Health Shield 360 (Other Benefits)

Air ambulance
OPD Cover
Additional Sum Insured

Health Shield 360 (Eligibility Criteria)

Min entry age: 21 Years
Max entry age: 75 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 1 Cr

Individual and Family Health Insurance

Complete Health Insurance

Customize your ICICI Lombard Complete Health Plan with 4 available variants ICICI Lombard Complete Health Insurance is a comprehensive health ins...

Unique Features

Wellness Program
Maternity & Newborn Cover
Riders Available

Complete Health Insurance (Pros)

Critical Illness cover
AYUSH treatment covered
Ambulance coverage
E-consultation

Complete Health Insurance (Cons)

Vaccination not covered
IVF Treatment
Modern treatment
Air ambulance

Complete Health Insurance (Other Benefits)

Cataract
Daily hospital cash
Organ donor

Complete Health Insurance (Eligibility Criteria)

Min entry age: 3 months
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 50 L

Group Health Insurance

ICICI Lombard Group insurance is a type of insurance plan that covers many people in the same proximity, for example, employee-employer, bank customer...

Unique Features

Large Sum Insured
Daycare Treatment
Floater Benefit

Group Health Insurance (Pros)

Tax benefit
Less waiting period
Hospital coverage
Wide range coverage

Group Health Insurance (Cons)

Pre-existing diseases
Hazardous or adventure sports

Group Health Insurance (Other Benefits)

Cashless benefit
Day care treatment
Floater benefit

Group Health Insurance (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 50 L

ICICI Personal Protect Policy: FAQs

1. Does the plan cover Pre-existing Diseases?

The policy does not cover any pre-existing diseases, the plan basically covers injuries.

2. What is Sum Assured Adjustments In ICICI Personal Protect Policy?

This term means that the sum insured can increase at policy renewal.

3. What is the cancellation process of the ICICI Lombard Personal Protect Plan?

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.

Personal Protect Policy

Personal Protect Policy Specifications

Entry Age

Policy Type

Sum Insured

Initial Waiting Period*

Renewability

Policy Term

Coverage Table

Key Features and Benefits of ICICI Lombard Personal Protect Policy

Exclusions of ICICI Lombard Personal Protect Policy

ICICI Personal Protect Plan Exclusions

Permanent Exclusions

Explore other ICICI Lombard Health Insurance

AdvantEdge Plan (Pros)

AdvantEdge Plan (Cons)

AdvantEdge Plan (Other Benefits)

AdvantEdge Plan (Eligibility Criteria)

Personal Protect Policy (Pros)

Personal Protect Policy (Cons)

Personal Protect Policy (Other Benefits)

Personal Protect Policy (Eligibility Criteria)

Golden Shield Plan (Pros)

Golden Shield Plan (Cons)

Golden Shield Plan (Other Benefits)

Golden Shield Plan (Eligibility Criteria)

Arogya Sanjeevani Policy (Pros)

Arogya Sanjeevani Policy (Cons)

Arogya Sanjeevani Policy (Other Benefits)

Arogya Sanjeevani Policy (Eligibility Criteria)

Health Booster (Pros)

Health Booster (Cons)

Health Booster (Other Benefits)

Health Booster (Eligibility Criteria)

ICICI Lombard MaxProtect Plan (Pros)

ICICI Lombard MaxProtect Plan (Cons)

ICICI Lombard MaxProtect Plan (Other Benefits)

ICICI Lombard MaxProtect Plan (Eligibility Criteria)

Health Shield 360 (Pros)

Health Shield 360 (Cons)

Health Shield 360 (Other Benefits)

Health Shield 360 (Eligibility Criteria)

Complete Health Insurance (Pros)

Complete Health Insurance (Cons)

Complete Health Insurance (Other Benefits)

Complete Health Insurance (Eligibility Criteria)

Group Health Insurance (Pros)

Group Health Insurance (Cons)

Group Health Insurance (Other Benefits)

Group Health Insurance (Eligibility Criteria)

ICICI Personal Protect Policy: FAQs

1. Does the plan cover Pre-existing Diseases?

2. What is Sum Assured Adjustments In ICICI Personal Protect Policy?

3. What is the cancellation process of the ICICI Lombard Personal Protect Plan?

Explore ICICI Lombard Health Insurance

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Written By: Bindiya Sinha

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