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Personal Accident Insurance - Introduction

ICICI Lombard Personal Accident Insurance policy covers you against Accidental Death, Permanent Partial Disablement (PPD) and Permanent Total Disablement (PTD) on account of an accident with a choice of continuous coverage for 3 or 5 years.

Policy Details

Policy Coverage

Amount of Cover Rs. 2,000,000
Personal Accident Plan shall cover the insured for:

  • Death of the Insured person
  • Permanent Total Disablement (PTD)
  • Permanent Partial Disablement (PPD)
  • Carriage of Dead Body

Death of the Insured person: Compensation paid on death of insured person on account of bodily injury sustained in an accident (including terrorism or acts of terrorism) within the policy period.

Permanent Total Disablement (PTD): Compensation paid for PTD on account of bodily injury sustained in a accident (including terrorism or acts of terrorism) resulting in total and irrecoverable loss of use or the actual loss by physical separation of the limbs / sight.
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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%.

Permanent Partial Disablement (PPD): Compensation paid for PPD on account of bodily injury sustained in a accident (including terrorism or acts of terrorism) resulting in total and / or partial irrecoverable loss of use or the actual loss by physical separation of defined body parts.
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Carriage of Dead Body: Reimbursement of expenses incurred for transportation of Insured person's dead body to the place of residence subject to a maximum of 2% of capital sum insured or Rs.2,500/-, whichever is less.


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Key Benefits

  • Cover against Accidental Death or Permanent Partial Disablement (PPD) or Permanent Total Disablement (PTD) on account of an Accident.
  • Covers claims arising out of Terrorism or acts of Terrorism
  • Choice of cover: 3 or 5 years
  • No health check up required
  • Renewable till the age of 70 years
  • Easy Claim Process with minimal documentation
  • Digitally signed policy is available 24X7 online and emailed immediately to the customer, from which printouts can be taken. The hard copy will reach customer within 2-3 days (couriered the same day if booked before 6 pm, else will be sent the following day)
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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.
  • The policy cover is renewable till the age of 70 years.
 
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Policy Exclusions

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.

For more details, kindly refer to the Policy Wording.


Personal Accident Product Code: Misc 15


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 ICICI Lombard General Insurance Company Limited. Insurance is the subject matter of solicitation. Motor 01.