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ICICI Lombard Personal Accident Insurance

ICICI Lombard Personal Accident Insurance policy covers you not only against Accidental Death and Permanent Total Disablement (PTD). Optional coverage against Accidental Hospitalisation Expenses and Accidental Hospital Daily Allowance. Customized coverage that allows you to choose between Rs 3 Lakhs, Rs 5 Lakhs, Rs 10 Lakhs, Rs 15 Lakhs, Rs 20 Lakhs and Rs 25 Lakhs Sum Insured. The policy covers different types of accidents like road, rail accidents, accidents due to natural calamities and arising out of terrorism/ terrorist acts.

No health check-up required for policy issuance Worldwide coverage of the policy Easy Claim Process with minimal documentation Buy Online and pay in installments. Accidental Hospitalisation Expenses Reimbursement: Medical expenses incurred in case of Hospitalisation (minimum of 24 hrs), due to injury, within 7 days from the date of accident. Accidental Hospital Daily Allowance: Per day allowance paid to Insured person each day during Hospitalisation after the Insured event, not exceeding 30 days of Hospitalisation, deductible of 1 day.
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  • The customer can buy the policy for any family members i.e. spouse, children and / or parents.
  • Any person between 18 - 80 years of age is eligible for insurance.
  • The customer should be above 18 years.
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  • Policy Coverage
  • Benefits
  • Exclusions
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.

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.

Accidental Hospitalisation Expenses Reimbursement: Reimburses medical expenses incurred during hospitalisation, arising out of any injury, within 7 days from the date of accident subject to the sum insured opted for the policy year. Minimum period of hospitisation required is 24 hours. The claim amount payable will be on reimbursement basis subject to a maximum of sum insured.

Permanent Total Disablement (PTD): Personal Accident pays compensation against the permanent and total loss of limbs, sight etc. due to an accident within policy period. Permanent Total Disablement shall mean total and irrecoverable.
  1. Loss of sight of both eyes; or
  2. Actual loss of physical seperation of both hands or both feet or one entire hand and one entire foor; or
  3. Total and irreversible loss of use of both hands or both feet or of one hand and one foot without physical seperation.

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%.
  • Covers claims arising out of Terrorism or acts of Terrorism.
  • Covers against Accidental Death or Permanent Total Disablement (PTD).
  • Choose amoung Sum insured options of Rs. 3, 5, 10 , 20 and 25 Lakhs.
  • Choice of cover period: 3, 4 or 5 years.
  • No health check up required.
  • Easy Claim Process with minimal documentation.
  • Optional coverage against Accidental Hospitalisation Expenses and Accidental Hospital Daily Allowance.
  • Worldwide coverage of the policy.
  • Payment of any claim for hospitalisation where such hospitalisation does not commence within 7 days of accident.
  • from intentional self-injury, suicide or attempted suicide.
  • Any hospitalisation not arising out of an injury.
  • Dental treatment, eye treatment and plastic surgery unless necessitated as a consequence of an injury.
  • Any claim directly or indirectly related to:
    • Intentional self-injury, suside or attempted suiside
    • Whilst under the influence of intoxicating liquor or drugs
    • Arising out of child birth or pregnancy, except ectopic pregnancy or in consequence thereof
    • Veneral disease or insanity or mental, nervous or emotional disorder
    • Insured person committing any breach of law with criminal intent.

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