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Personal Protect Insurance Policy

The Personal Protect Insurance policy covers you against Accidental Death and Permanent Total Disablement (PTD) on account of Accident and also includes coverage against terrorism and acts of terrorism and optional cover against Accidental Hospitalisation Expenses and Accidental Hospital Daily Allowance.

Benefits of Personal Protect Insurance


  • Secure yourself without any pre-requisite tests
    • You can purchase a Personal Protect policy without undergoing any health check-ups
  • If you are hospitalised due to an accident, your expenses will be covered
    • Personal Protect gives you the option to get an additional cover and reimbursement for accidental hospitalisation expenses
  • Adjust your insurance coverage as per your needs and requirements
    • Avail customised coverage with sum insured options ranging from Rs. 3 lakh up to Rs. 25 lakh
  • Get fixed amount for each day that you spend hospitalised on account of an accident
    • Opt for our additional hospital daily allowance cover
  • When you are not around, your family will still be financially secure
    • Your Personal Protect policy offers coverage against accidental death
  • If a permanent disability leaves you stranded, we step up to help
    • Get coverage against expenses related to permanent total disablement with your Personal Protect policy
  • Align your premium payments to financial planning
    • You can buy your policy online and pay for it in easy installments
  • Enjoy life time renewability
    • Buy a policy between the age of 18-65 years and have a life time security


Accidental Death

In case of death of the insured due to an accident within the policy period, the nominee (mentioned in the policy) is compensated with the Sum Insured.


Permanent Total Disablement (PTD)

Loss of use/Actual loss by physical separation of Percentage of Capital Sum Insured*
Sight of both eyes 100%
Both hands 100%
Both feet 100%
One hand and one foot 100%
One eye and one hand or one foot 100%
Sight of one eye 50%
One hand or one foot 50%
*As stated in Part I of the Schedule.  

Personal Protect pays compensation against the permanent and total loss of limbs, sight etc. due to an accident. 


Terrorism and Acts of Terrorism

In case of the death or PTD of the insured arising out of terrorism or acts of terrorism within the policy period, the nominee (mentioned in the policy) is compensated with the Sum Insured.


Optional Cover

Accidental Hospitalisation Expenses Reimbursement*

Medical expenses incurred in case of Hospitalisation (minimum of 24 hrs), due to injury, within 7 days from the date of accident


Accidental Hospital Daily Allowance

Per day allowance paid to Insured person each day during Hospitalisation after the Insured event, not exceeding 30 days of Hospitalisation, deductible of 1 day


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%. 

* Within 12 months from date of accident For more details, kindly refer to the Policy Wordings


What is not covered in Personal Protect Insurance

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 as a result of

  • From intentional self-injury, suicide or attempted suicide
  • Whilst under the influence of intoxicating liquor or drugs
  • 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
  • Directly or indirectly caused by venereal disease or insanity
  • Arising or resulting from the Insured committing any breach of the law with criminal intent
  • 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
  • Nuclear weapon induced treatment
  • Childbirth or pregnancy or in consequence there of

For more details, kindly refer to the Policy Wordings.


Eligibility of Personal Protect Insurance

  • The minimum entry age is 18 years and the maximum entry age is 60 years (age as on last birthday).

The applicant can buy the policy for his spouse aged between 18-60 years.

The advertisement contains only an indicative of cover offered. For more details on risk factors, terms, conditions and exclusions, please read the terms & conditions/policy wording carefully before concluding a sale. Insurance is underwritten by ICICI Lombard General Insurance Company Limited. Group Personal Accident Insurance ICIPAGP03004V040203 (Misc 05)


ICICI Bank Limited (“ICICI Bank”) with registered office at ICICI Bank Tower, Near Chakli Circle, Old Padra Road, Vadodara, 390 007, Gujarat (CIN: L65190GJ1994PLC021012) Toll Free No. 1860 120 7777 is only a Corporate Agent (Composite, IRDAI Regn No.: CA0112 valid till March 31, 2022) of ICICI Lombard General Insurance Company Limited having its registered office at ICICI Lombard House, 414, Veer Savarkar Marg, Near Siddhivinayak Temple, Prabhadevi, Mumbai 400025. IRDAI Reg. No. 115. Toll Free No. 1800 2666. Fax No. 022 61961323, CIN: L67200MH2000PLC129408. Email - customersupport@icicilombard.com, Website - www.icicilombard.com.


Enrolment by ICICI Bank’s customer of any insurance products is purely voluntary, and is not linked to availment of any other facility from ICICI Bank.



  • IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums.
  • Public receiving such phone calls are requested to lodge a police complaint.