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ICICI Lombard General Insurance Company
ICICI Lombard General Insurance Company
an Individual Basis (which is taken for each person separately, premiums being payable for
each insured member) or on a Floater Basis (wherein the entire family is covered for a
particular amount). Coverage options are also flexible. Customers can choose to make their
cover more comprehensive by opting to to cover critical illnesses in addition to the basic
plan.
Entry Age
Policy Period
1 yr. or 2 yrs
Renewability
Lifetime
Medical Screening
Basis
Individual or Floater
Rs.1, 2, 3, 4, 5, 7 or 10 lakhs.
(chosen amount can be enhanced at renewal)
Sum Assured
Premium
Coverage
Add-on Covers
Option 1
- Daily Cash Allowance: Per day of
hospitalisation; max. 10 days; deductible: 3
days
Rs.500 for coverage options Rs.1 lakh or 2
lakhs
Rs.1,000 for coverage options Rs.3, 4 or 5
lakhs
Rs.2,000 for coverage options Rs.7 or 10
lakhs
- Convalescence Benefit: Hospital stay of10
days or more; Rs.10,000 per insured member;
one-time per policy period
Option 2 - For coverage options above Rs.2
lakhs
- Critical Illness: One-time, Lump sum
payment on diagnosis for Cancer, CABG, Heart Attack, Major Organ
Transplant, Stroke, Paralysis, Heart Valve
Replacement,
Terminal Liver Failure
- Organ Donor Expenses: Up to Rs.50,000;
reimbursed
Policy Period
1 yr. or 2 yrs.
Renewability
Lifetime
Medical Screening
Basis
Individual
Coverage
Personal Protect
This plan can be taken in addition to a basic health plan held by a customer. It covers
financial loss due to death or Permanent Disablement arising from an accident.
Entry Age
18 yrs. to 80 yrs.
Policy Period
1, 3 or 5 yrs.
Sum Assured
Coverage
Add-on Covers
Car Insurance
Policy Coverage
Loss or Damage to your Vehicle: The policy covers the loss or damage endured by
your vehicle due to the following reasons.
Man-made: Burglary, theft, riot, strike, malicious act, accident by external means,
terrorist activity, any damage in transit by road, rail, inland waterway, lift, elevator or
air, etc.
Personal Accident Cover: As part of the overall motor insurance, ICICI Lombard
provides personal accident cover in the event of your unfortunate accident while
driving. This accident cover can also be extended to passengers, whose number equals
the maximum permissible occupancy in the vehicle.
Third Party Legal Liability: The policy also provides for scenarios wherein your
vehicle might have been the cause of/ been part of an accident that resulted in the
injury, disability or death of an individual (not directly related to you) or caused
damages to a third party property.
Additional Covers: Herein, additional protection can be purchased for electrical/nonelectrical accessories including fog lights, stereo system, mats and seat cover etc.
Implementation of bi-fuel injection systems, such as for CNG, can also be covered.
Damage caused to vehicle when the driver wasnt carrying a drivers license, and/or
driving under the influence of alcohol or other mood/mind stimulating substances.
Depreciation in line with the market scenarios and other external conditions.
Loss of the vehicle or damage incurred that can be sufficiently proven to be deliberate
or consequential. Any contractual liabilities are also excluded from the scope of the
policy.
Garage Cash Cover: This additional cover helps you during the times when your
vehicle has been halted in a garage. A daily conveyance allowance of Rs.500 will be
provided to you through this duration, to help you commute and not miss your
cherished vehicle all that much.
Zero Depreciation Cover: Avail coverage on replaced parts with zero deduction for
depreciation. However this endorsement shall be applicable for only the first two
claims during the policy period.
Comprehensive cover available, which covers both structure and / or contents of your
home
Coverage up to 10 years for only structure, 5 years for only contents and 5 years for
structure & content
Cover against Fire and allied perils, Burglary & Theft and Optional cover for
Terrorism and Additional expenses of rent for alternative accommodation.
What is covered
You can choose to buy insurance for only the building (structure) of your home, or
only the contents (belongings) or both.
The policy covers the losses to the structure and contents of your home due to any
natural and man-made calamities.
What is not covered