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Health Insurance 1911 views May 26, 2020
Nowadays rash and fast driving is the major reason for road accidents. Many people lose their lives and some become totally or partially disabled. No one can compensate for the loss that occurs after a permanent or partial disability. But you will be on a safer side if you have an insurance plan for this loss. You can have a look at the ICICI Lombard Personal Protect Insurance Policy that will help you to cover the risk of accidental death, permanent total disability, and permanent partial disability. This plan will cover the treatment expenses done for the treatment of an injury that occurred due to an accident. Let’s explore all the features of this policy.
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There are some exciting benefits of this health insurance policy. It covers various types of risks that you can see below.
In case of unfortunate death of the insured due to an accident, the nominee will receive the full amount of the Sum Assured. A Lump sum payment will be made to the nominees and that will be the 100% of the Sum Assured.
There are four earning body parts in a human body two hands and two legs. If any two-earning body part becomes permanently disable then the company will give the total and permanent disability benefits to the insured. The two body parts can be both hands, legs, or one hand and one leg. You will receive 100% of the Sum Assured as a lump sum.
Permanent and Partial Disability simply means that one of your earning body parts has become permanently disabled. In such a case you are entitled to receive 50% of the Sum Assured. It can be only one hand or only a foot. The insured will get a cover for the permanent and partial disability in the ICICI Lombard Personal Protect Insurance Policy.
You can also enjoy the dismemberment benefits and that means the company will cover the loss in case any of your body parts are removed during surgery. The cause for the dismemberment must be an accident.
In order to take this insurance plan, there is no need for a health check-up. You can take this plan without going through a pre-medical check-up and it will save a lot of time and energy.
This health insurance plan also covers the accidental losses that occur due to war and a terrorist attack. In case of an unfortunate death due to war or a terrorist attack, the nominee is entitled to receive the amount of the Sum Assured.
There is no need to visit the official branch of ICICI Lombard in order to take this plan. It is available online and you can buy it with online payment. You can ask the company’s representative if you encounter any queries related to this plan. All the details of the policy are available online.
There are some of the optional benefits that you can add to this plan. If you take the additional benefits then the amount of your premium will be increased. You can have a look at the additional benefits options of the ICICI Lombard Personal Protect Plan.
In this benefit, the company will reimburse the expenses occurred during hospitalization in case of an injury for 7 days. You will have to opt for this benefit at the time of the inception of the policy. A minimum of 24 hours of hospitalization is needed to enjoy this benefit.
In this option, the company will give a daily reimbursement in case of hospitalization for 30 days. You can use the amount for meeting day to day hospitalization expenses.
Disabilities | Percentage of the Sum Assured |
---|---|
Loss of Sight of Both Eyes | 100% |
Loss of Both Hands | 100% |
Loss of Both Feet | 100% |
Loss of One Hand and One Foot | 100% |
Loss of One Eye, One Hand, and One Foot | 100% |
Loss of Sight of One Eye | 50% |
Loss of One Hand | 50% |
Loss of One Foot | 50% |
Particulars | Details |
---|---|
Minimum Age of Entry | 18 Years |
Maximum Age of Entry | 60 Years |
Policy Terms | 1 Year, 3 Years, and 5 Years |
Minimum Sum Assured | Rs.3 Lacs |
Maximum Sum Assured | Rs.25 Lacs |
Maximum Age of Entry of Children | 25 Years |
You can contact the toll-free number of ICICI Lombard that is 1800-2666 in order to make the claim. The 24×7 customer representative will help you to process the claim amount. On the other hand, you can also send an email regarding the claim to ihealthcare@icicilombard(dot)com. You will get a reply in context with your settlement.
Some individuals also make the claim by contacting the ICICI Lombard Head Office. So, in order to make the claim for the ICICI Lombard Personal Protect Insurance Policy you can contact the head office of the ICICI Lombard.
Head Office Address- ICICI Lombard Healthcare, ICICI Bank Tower, 9th Floor, Plot No. 12, Financial District, Nanakram Guda, Gachibowli, Hyderabad – 500032, Andhra Pradesh.