• ICICI Lombard Personal Protect Plan

    Unfortunate events can strike unannounced. While we cannot stop them from happening, but we can surely be prepared to deal with them better. ICICI Lombard presents a health insurance policy designed just for that purpose. The ICICI Lombard Personal Protect policy will give your chosen beneficiary a death benefit following the unfortunate event of your passing away due to an accident. In addition to this, the policy also covers you against Permanent Total Disablement (PTD) following an accident. You can also opt for additional coverage against Accidental Hospitalization Expenses Reimbursement and Accidental Hospital Daily Allowance by making a nominal additional premium payment.

    Entry Age Applicant must be between the age of 18 years to 80 years when applying for the policy
    Policy Tenure Policy provides cover for a term of 1 year, 3 years or 5 years
    Renewability Lifetime renewability
    Sum Insured Choose between the following options - Rs.3 lakh, Rs.5 lakh, Rs.10 lakh, Rs.15 lakh, Rs.20 lakhs and Rs.25 lakh
    Medical check-up No medical check-up required to purchase policy
    Premium Premium rates will be decided based on the tenure, sum insured and coverage provided by the policy
    Coverage This plan provides cover against accidental death and Permanent Total Disablement (PTD) due to an accident.
    Optional Benefits You can take optional cover against Accidental Hospitalization Expenses and Accidental Hospital Daily Allowance
    Tax Benefits Nil
    Grace period Grace period of 30 days, counting from the date policy expiry, will be provided for renewal of policy.
    Premium Refund Premiums paid are eligible for refund subject to conditions
    Free Look period Free look period of 15 days will be provided, starting from the day of receipt of the policy.

    Features & Benefits of ICICI Lombard Personal Protect:

    • Provides cover against Accidental Death and Permanent Total Disablement (PTD) following an accident.
    • Get optional coverage against Accidental Hospital Daily Allowance and Accidental Hospitalization Expenses.
    • Multiple Sum Insured options to choose between, ranging from Rs.3 lakhs to Rs.25 lakhs.
    • Coverage for multiple types of accidents such as rail, road and also those caused due natural calamities or due to terrorism/terrorist acts.
    • No need to undergo medical check-up to purchase the policy.
    • Enjoy worldwide coverage, no matter where you are.
    • Hassle-free and streamlined claim filing process with minimal documentation required.
    • Online purchase option.
    • Accidental Hospitalization Expenses Reimbursement will cover medical expenses which you have incurred towards hospitalization (minimum of 24 hrs) that is required to treat an injury which has occurred within 7 days from the date of accident.
    • Accidental Hospital Daily Allowance is another benefit provided by this policy where the insured gets a daily allowance for every day during hospitalization following a covered claim. Hospitalization must not exceed 30 days.

    Documents Required To File a Claim:

    • FIR
    • Copy of Policy document
    • Duly filled Claim Form, signed by either the insured, claimant or the nominee
    • Post mortem report (if applicable)
    • Death certificate
    • Disability certificate
    • Spot Panchnama (certified copies)
    • Medical/hospital report
    • Hospital Discharge Card or summary
    • All medical and pharmacy bills and prescriptions
    • Any other additional documents requested

    Exclusions of ICICI Lombard Personal Protect Plan:

    This ICICI Lombard health insurance plan will not be liable to pay for the following expenses. Please refer to the policy document for a complete list of exclusions.

    • Payment towards a hospitalization claim where hospitalization has not been done within 7 days of accident.
    • Expenses of hospitalization arising from any cause that is not an injury.
    • Expenses of eye/dental treatment and plastic surgery unless the same is required following an accidental injury.
    • Self-inflicted injury, attempted suicide or suicide.
    • Any injury caused under influence of intoxicants like liquor or drugs.
    • Injury caused due to pregnancy or childbirth; except ectopic pregnancy or a consequential injury caused from the same.
    • Venereal diseases, insanity or a mental/nervous/emotional disorder.
    • Injury caused while insured is committing an illegal or criminal act.

    Other Health Insurance Plans from ICICI Lombard Health Insurance:

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

    ICICI Lombard Personal Protect Plan Reviews

  • Page 1 of 31 1 2 3 4 5
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've a health insurance policy with the ICICI Lombard general Insurance company. I am paying a premium 39000 per year. I do not have any claim experience with this policy. So far in terms of the features and benefits it is a recommendable policy to have. I pay the premium online.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 12, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've a health insurance policy with the ICICI Lombard which is provided by the company. The company is paying the premium. It is a policy worth the money and I never had any claim experience with them. I'll have to wait and see how they respond to my claim request in future.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 11, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 3.5/5 "Pretty good"
      I've had taken a health insurance policy from the ICICI Lombard. I never had any claim experience with the policy. I'll have to wait and see how they respond to my claim requests in future. So far, I never had any issues with their services till date.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 07, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've a health insurance policy from the ICICI Lombard. I pay a premium of 15000 Per year for 100000 Annual coverage. I do not have any claim experience. The policy offers full family protection under a small budget. Overall their services are good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 26, 2018
    • ICICI Lombard Health Insurance
      "Good experience with ICICI"
      0.5 5.0/5 "Blown Away!"
      I have taken the health insurance from ICICI Lombard and the response from there end was really good. They provide cashless facility and the claim experience was really good. The customer service and response is good.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 26, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've a health insurance policy from ICICI Lombard . I do not have any claim experience with the policy. I make payments at the branch and the branch staff are really good and approachable. Overall I never had any issues with their services. Good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 24, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've a Health Insurance polciy with the ICICI Lombard . I don't have any claim expereince with this policy. I pay a premium of 12000 per year for a coverage of 3 lacs for an year. Me and wife are covered under this policy. Overall I never had any issues with their services.
      Was this review helpful? 0
      , secunderabad
      Reviewed on May 20, 2018
    • ICICI Lombard Health Insurance
      "Not satisfied"
      0.5 2.0/5 "Expected more"
      I have my health insured with ICICI LOMBARD from last 1 year, my premium amount gets auto deducted from the loan amount. I am not happy with the customer service as there was no proper information given about the health insurance. I have a coverage value of Rs 2.5 lakhs.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 18, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I've been using the ICICI Lombard health insurance for a while. I am paying 46000 for every two years. It has the cashless treatment and I am happy about the network list of hospitals. I've claimed this policy once for almost INR 30000. The claim process was very easy and hassle free. Overall I am happy with their service.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 16, 2018
    • ICICI Lombard Health Insurance
      "ICICI health insurance"
      0.5 4.0/5 "Great!"
      I hold a health insurance from ICICI Lombard and the policy coverage is for 3 lakhs. As this is a corporate insurance. Till now there is no claim experience. The provide both cashless and reimbursement facility.
      Was this review helpful? 0
      , ahmednagar
      Reviewed on May 16, 2018
    • ICICI Lombard Health Insurance
      " ICICI Lombard health insurance"
      0.5 3.5/5 "Pretty good"
      From ICICI Lombard i have taken a health insurance and the policy coverage is for 3 lakhs. The yearly premium is 38000 and if there is no claim experience then i can extend the policy up to 5 lakhs.Yearly i have to renew the policy with ICICI.They do the coverage for general and critical related health issues.
      Was this review helpful? 0
      , bhopal
      Reviewed on May 14, 2018
    • ICICI Lombard Health Insurance
      "Good experience for claim"
      0.5 5.0/5 "Blown Away!"
      I have taken a health insurance with ICICI LOMBARD and the its a family floater.The policy coverage is for 4 lakhs. Once i had a claim and the experience was good.I go for cashless treatment. The customer service and response was good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 13, 2018
    • ICICI Lombard Health Insurance
      "Better policy to use"
      0.5 5.0/5 "Blown Away!"
      I never got any claim experience from the ICICI Lombard health insurance policy. I got the health insurance policy from the ICICI Lombard general insurance around 4 yeas ago. This policy covers 3members in my family. There is no claim experience from this policy.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 11, 2018
    • ICICI Lombard Health Insurance
      "GOOD POLICY"
      0.5 4.5/5 "Excellent!"
      Using Icici Lambord for health insurance . This policy is best compared to other policy as i have compared to many policy regarding claim. Used to pay the payment on-line. Paying annual for this policy , there is good coverage, as there is no money had to pay for the medical expense . Their customer service and response is good.
      Was this review helpful? 0
      , chennai
      Reviewed on May 11, 2018
    • ICICI Lombard Health Insurance
      "ICICI lombard Health insurance"
      0.5 4.0/5 "Great!"
      I hold a health insurance from ICICI lombard general insurance and the premium amount is 13500 for 2 years. They do not have any health checkup on yearly basis. Still now there was no claim experience. We can claim up to 2.5 lakhs. This policy covers me an my wife.
      Was this review helpful? 0
      , thane
      Reviewed on Apr 27, 2018
    • ICICI Lombard Health Insurance
      "Average Policy"
      0.5 3.0/5 "Satisfactory"
      I have my health insured with ICICI lombard from last 2 years, the coverage value of this insurance policy is very less which is Rs 1 lakh. I am not aware of the premium amount as my company pays it. I do not have claim experience so far with this insurance policy.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 24, 2018
    • ICICI Lombard Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance policy with ICICI lombard from last 2 years and it is one of the best insurance policy to use. They gave a coverage value of Rs 3 lakhs for this insurance. My claim experience was good and they covered 100% of the billed amount. I pay an insurance premium of Rs 16000-17000 every year.
      Was this review helpful? 0
      , jabalpur
      Reviewed on Apr 16, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I have a health Insurance with Icici. The benefits is for the whole family. The offers covers the top hospitals. But still now I have not claimed any service from Icici health insurance service. It was an good experience with Icici Health Insurance service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 12, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      The Health insurance policy is good to use with the ICICI Lombard. The customer support service is good with the ICICI Lombard. The documentation process was good with the ICICI Lombard and They offer the top hospitals which is helpful for me.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 05, 2018
    • ICICI Lombard Health Insurance
      "ICICI lombard didn't honour claim"
      0.5 1.0/5 "Really Bad"
      I had taken ICICI lombard mediclaim policy for about 10 years . When I was hospitalised , they didn't honour my claim . Worst they harassed me for so many documents . After submitting all documents they didn't pay . Since then I discontinued their policy
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 30, 2018
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