ICICI Lombard Health Insurance - Personal Accident Insurance

ICICI Lombard Health Insurance - Personal Accident Insurance Eligibility

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

ICICI Lombard Health Insurance - Personal Accident Insurance Policy Coverge

• Terrorism and Acts of Terrorism:

  
  In case of the death of the insured arising out of terrorism or acts of terrorism within the policy period, the nominee (mentioned in the policy) is compensated with the sum Insured. The Company shall also pay compensation against permanent and total loss of limbs, sight etc. (of the insured) arising out of terrorism or acts of terrorism.




• Accidental Death :

  
  In case of death of the insured due to an accident within the policy period, the nominee (mentioned in the policy) is compensated with the Sum Insured.




• Permanent Total Disablement (PTD) :

  
  Personal Accident pays compensation against the permanent and total loss of limbs, sight etc. due to an accident.

ICICI Lombard Health Insurance - Personal Accident Insurance Key Benefits

• Covers claims arising out of Terrorism or acts of Terrorism


• Covers against Accidental Death or Permanent Total Disablement (PTD)
• Choose among Sum insured options of Rs. 3, 5, 10 and 20 Lakhs
• Choice of cover period: 3, 4 or 5 years
• No health check up required
• Easy Claim Process with minimal documentation

ICICI Lombard Health Insurance - Personal Accident Insurance Policy Exclusions

• Compensation/claim under more than one of the categories specified in the Policy Coverage in respect of the same period of disablement of the Insured Person.
• Claims arising from sickness/illness.
• Death, injury or disablement of Insured Person

1. from intentional self-injury, suicide or attempted suicide;
2. whilst under the influence of intoxicating liquor or drugs;
3. whilst engaging in aviation or ballooning, or whilst mounting into, or dismounting from or travelling in any balloon or aircraft other than as a passenger (fare-paying or otherwise) in any duly licensed standard type of aircraft anywhere in the world.
4. directly or indirectly caused by veneral disease or insanity;
5. arising or resulting from the Insured committing any breach of the law with criminal intent.
6. war, invasion, act of foreign enemy, hostilities (whether war be declared or not) civil war, rebellion, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrests, restraints and detainment of all kinds.
7. Nuclear weapon induced treatment.
8. Childbirth or pregnancy or in consequence thereof.