ICICI Lombard Personal Accident Insurance policy covers you against Accidental Death, Permanent Total Disablement (PTD) and Permanent Partial Disablement (PPD). As a special offer, we now bring 3 new Personal Accident flexible plan options (Accidental Death & Permanent Total Disablement cover only) with a sum insured of Rs. 3, 5 and Rs. 10 Lakh.
Personal Accident Insurance - Policy Coverge
3 New Personal Accident Plans
Choose between 3 easy Personal Accident plans to insure your personal safety available in Rs. 3 Lakh, 5 Lakh, 10 Lakh cover options. These are pure personal accident plans with Death and Permanent Total Disablement (PTD) cover only.
Accidental Death & Permanent Total Disablement Cover |
| |
Capital Sum Insured (Rs.) |
Policy Period |
3,00,000 |
5,00,000 |
10,00,000 |
| 3 years Premium (Rs.) |
1125 |
1875 |
3750 |
| 4 years Premium (Rs.) |
1500 |
2500 |
5000 |
| 5 years Premium (Rs.) |
1875 |
3125 |
6250 |
Personal Accident Comprehensive Plan:
Amount of Cover Rs. 2,000,000
This is a comprehesive Personal Accident Plan that shall cover the insured for:
- Death of the Insured person
- Permanent Total Disablement (PTD)
- Permanent Partial Disablement (PPD)
- Carriage of Dead Body
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.
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. |
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%.
Permanent Partial Disablement (PPD): Personal Accident covers total and/ or partial loss of use of the defined body parts or loss by actual physical separation (including on account of terrorism or acts of terrorism.
Loss of use/Actual loss by physical separation of |
Percentage of Capital Sum Insured* |
| Loss of toes |
| All |
20 |
| Great both phalanges |
5 |
| Great – one phalanxs |
2 |
| Other than great if more than one toe lost each. |
1 |
| Loss of hearing – both ears |
75 |
| Loss of hearing one ear |
30 |
| Loss of four fingers and thumb of one hand |
40 |
| Loss of four fingers |
35 |
| Loss of thumb |
| Both phalanges |
25 |
| One phalanx |
10 |
| Loss of Index finger |
| Three phalanges |
10 |
| Two phalanges |
8 |
| One phalanx |
4 |
| Loss of middle finger |
| Three phalanges |
6 |
| Two phalanges |
4 |
| One phalanx |
2 |
| Loss of ring finger |
| Three phalanges |
5 |
| Two phalanges |
4 |
| One phalanx |
2 |
| Loss of little finger |
| Three phalanges |
4 |
| Two phalanges |
3 |
| One phalanx |
2 |
| Loss of metacarpus |
| First or second (additional) |
3 |
| Third, fourth or fifth (additional) |
2 |
| Any other permanent partial disablement) |
% as assessed by the Doctor |
| *As stated in Part I of the Schedule. |
Carriage of Dead Body: Reimbursement of expenses incurred for transportation of Insured person's dead body to the place of residence subject to a maximum of 2% of capital sum insured or Rs.2,500/-, whichever is less.
Personal Accident Insurance - Key Benefits
- Covers against Accidental Death or Permanent Total Disablement (PTD) on account of an accident with an option to cover Permanent Partial Disablement (PPD).
- Flexible Plan options with sum insured of Rs. 3, 5, 10 and Rs. 20 Lakh
- 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
Personal Accident Insurance - 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.
Personal Accident Insurance - Policy Exclusions
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
- 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 veneral 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 thereof.
Personal Accident Insurance - 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 (PTD) or permanent partial disablement (PPD)
- Protects against terrorism-related accidental losses
Personal Accident Insurance - Claim Process
Know all about making a claim
Insurance is the subject matter of the solicitation.
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