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Stay protected with our complimentary insurance cover

Your ICICI Bank Account offers a complimentary Accident Insurance cover and purchase protection.

The earlier criteria, to avail of the complimentary insurance feature, required you to spend Rs 499 or more on your Debit Card, 30 days prior to the claim.

We have now removed the Debit Card spends criteria and have simplified it by linking it to your ICICI Bank Account.

Personal Accident Insurance (Non-Air)

ICICI Bank offers complimentary accident insurance on your Bank Account for ICICI Bank customers.

Personal Accident Insurance (Air)

Get complimentary air accident insurance on your Bank Account. All you need to do is use your ICICI Bank Debit Card every time you purchase your Air Ticket.

Purchase Protection

The goods you purchase using your ICICI Bank Debit Card are secured from theft, fire or loss in transit till 90 days from the date of purchase.

Details of Insurance Cover:

Savings Account VariantPersonal Accident-
Insurance (Air)
Personal Accident-
Insurance (Non Air)
Purchase Protection Cover up to
Regular Savings Account Rs 50,000   Rs 50,000
Silver Savings Account Rs 50,000   Rs 50,000
Gold Savings Account Rs 30 lacs Rs 5 lacs Rs 1 lacs
Magnum Savings Account Rs 40 lacs Rs 5 lacs Rs 1.5 lacs
Titanium Savings Account Rs 40 lacs Rs 10 lacs Rs 1.5 lacs
Wealth Savings Account Rs 50 lacs Rs 10 lacs Rs 2 lacs

Major Terms and Conditions:

Insurance coverage is linked to Savings Account. The criteria to claim insurance are as follows:

Account TypeCriteria to claim Insurance
Salary Account All covers are valid on Salary Accounts where there is at least one salary credit in the preceding three months, prior to the month of claim.
Savings Account with Monthly Average Balance (MAB) All covers (Personal Accident/Air Accident/Purchase Protection) are now valid on Savings Account, if minimum MAB is maintained in any one of the preceding two months, prior to the month of claim.
Savings Account with Nil MAB (non-maintenance charges are waived off) All covers (Personal Accident/Air Accident/Purchase Protection) are now valid on Savings Account and at least one customer initiated transaction (credit/debit) of at least Rs 100 in the previous month, prior to the month of claim.
Wealth All covers (Personal Accident/Air Accident/Purchase Protection) are now valid on Savings Account and at least one customer initiated transaction (credit/debit) in the previous two months, prior to the month of claim.
  • For Air Accident, ticket should have been bought from the Debit Card linked to Savings Account only.
  • Purchase Card protection:
    • Cover against standard fire and allied perils and burglary in residential premises only.
    • Cover valid for purchases on respective ICICI Bank Debit Card only.
    • Valid for 90 days from the date of purchase.
  • Insurance is not applicable for Basic Savings Bank Deposit Account (BSBDA).

Terms and Conditions apply.

Click here to know the policy number


Policy numbers to be referred for intimation of claim or for any reference:

  • For saving/salary account holder – 4049/95762299/05
  • Defence – 4005/159457421/01