Personal Accident Insurance - Secure your Family's future

Individual Personal Accident Insurance

Ensure personal safety for you, financial security for your loved ones with ICICI Lombard Individual Personal Accident Insurance policy. Individual Personal Accident Insurance Policy provides immediate coverage on policy issuance. This policy covers you against Accidental Death & Permanent Total Disablement (PTD) on account of an accident.

Choose among 4 Individual Personal Accident plans that offer choices in sum insured and policy duration. The insurance cover is available in options of Rs. 3 Lakhs, 5 Lakhs, 10 Lakhs or 20 Lakhs.

Individual Personal Accident Insurance - What does the policy cover?

4 New Individual Personal Accident Plans

Choose among 4 easy
Individual Personal Accident plans to insure your personal safety available in Rs. 3 Lakhs, 5 Lakhs, 10 Lakhs and Rs. 20 Lakhs cover options.

Individual Personal Accident Plan:

Individual Personal Accident Insurance pays you/ your nominee the sum insured chosen, in case an accident occurs during the policy period resulting in the insured's:

  • Death*
  • Permanent Total Disability* - Individual Personal Accident 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.

*within 12 months from the date of accident

Loss of use/Actual loss by physical separation of Percentage of Capital Sum Insured*
Sight of both eyes
Both hands 100%
Both feet 100%
One hand and one foot 100%
One eye and one hand or one foot 100%
Sight of one eye 50%
One hand or one foot 50%

*As stated in Part I of the Schedule.

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%

Note: The Premium amount is inclusive of applicable Service Tax and Education

Expiry of the policy: The benefits offered under the policy shall stand forfeited on occurrence of any of the following:

  • Payment of Death or Disability claim
  • Customer attaining the age of 70 years
  • Any fraud, misrepresentation, etc
Key Benefits
  • Covers against Accidental Death or Permanent Total Disablement (PTD) on account of an accident.
  • Immediate cover on policy issuance
  • Choose among Sum insured options of Rs. 3, 5, 10 and 20 Lakhs
  • Covers claims arising out of Terrorism or acts of Terrorism
  • No health check-up required for policy issuance
  • Renewable till the age of 70 years
  • Easy Claim Process with minimal documentation
The insured has to be aged a minimum of 18 years and a maximum of 70 years. The applicant can buy the policy for his spouse aged between 18-70 years. The policy cover is renewable till the age of 70 years
Claims Process
In case of claim, please follow the procedure given below:
  • Call us at our toll free insurance helpline number at 1800 209 8888 to register your claim
  • Submit documents to ICICI Lombard
  • Admissible claims will be settled by ICICI Lombard within 21 days of receipt of all completed documents such as death certificate, doctor's certificate, FIR, police report, etc.
What is not covered in the policy?

The Company shall not be liable under this policy for:

  • 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
    (a) from intentional self-injury, suicide or attempted suicide;
    (b) whilst under the influence of intoxicating liquor or drugs;
    (c) 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.
    (d) directly or indirectly caused by veneral disease or insanity;
    (e) arising or resulting from the Insured committing any breach of the law with criminal intent.

    ( f )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.
    (g) Nuclear weapon induced treatment.
    (h) Childbirth or pregnancy or in consequence thereof
ICICILombard General Insurance Company Limited. Insurance is the subject matter of the solicitations.IRDA Reg. No.115 Misc 15