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Personal Accident Insurance - Introduction

ICICI Lombard Personal Accident Insurance policy covers you against Accidental Death & Permanent Total Disablement (PTD). Choose among 4 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 with a choice of cover period (annual auto renewal) - 3, 4 or 5 years.

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Policy Details
Policy Coverage | Key Benefits |Eligibility | Need for PA | Claim Process |


Policy Coverage

4 New Personal Accident Plans

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

 

Personal Accident Comprehensive Plan:

These are comprehensive Personal Accident Plans that cover the insured for a period of 3, 4 or 5 years for the following:
Death of the Insured person
Permanent Total Disablement (PTD)


Understand the covers:

Death of the Insured person: In case of death of the insured due to an accident (including on account of terrorism or acts of terrorism) within the policy period, the nominee (mentioned in the policy) is compensated with the Sum Insured.

Permanent Total Disablement (PTD): 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. Click here for details.

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%.

For more details, kindly refer to the Policy Wordings.

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Key Benefits

  • Covers Accidental Death & Permanent Total Disablement (PTD)
  • Choose among Sum insured options of Rs. 3, 5, 10 and 20 Lakhs
  • Covers claims arising out of Terrorism or acts of Terrorism
  • Choice of cover: 3, 4 or 5 years
  • No health check up required
  • Renewable till the age of 70 years
  • Easy Claim Process with minimal documentation

 


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.

Click here to view our Policy Exclusions.

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Need for PA
  • According to a report by IIT Delhi on Traffic Injuries and Fatalities in India, road traffic accidents take a toll of almost 1.2 million people a year and additionally injure or disable between 20 million and 50 million annually.
  • Personal Accident Insurance protects the insured against Accidental Death & Permanent Total Disablement (PTD).
  • Protects against terrorism-related accidental losses.



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Claim Process

Know all about making a claim



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Personal Accident Product Code: Misc 15


Insurance is the subject matter of solicitation. 
Insurance brought to you from ICICI Lombard General Insurance Co Limited Misc 1, 13, 29, 30, 34B, 46, 50. ICICI Bank Limited has a referral arrangement with ICICI General. The contract of insurance is between ICICI General and the Insured, and not between ICICI Bank Limited and the Insured. Nothing contained on the Website shall constitute or be deemed to constitute an advice, an offer to purchase or an invitation or solicitation to undertake any activity or enter into any transaction relating to the Insurance Products. Participation by ICICI Bank's customers is on a purely voluntary basis and there is no direct or indirect linkage between the provision of the banking services offered by the Bank to its customers and their usage of the product or participation in the scheme. For more details on coverage, terms and conditions, please read the policy document carefully before conducting a sale.

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