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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? |
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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 |
100% |
| 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
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| 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
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| Eligibility |
| 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 |
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| 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.
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| What is not covered
in the policy? |
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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 |
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