ICICI Lombard Personal Accident

ICICI Lombard Personal Accident

Your policy covers:

  • Accidental Death*​: In case of death due to an accident, within the policy period, the nominee mentioned in your policy will be compensated with the ​sum insured
  • Accidental Hospitalisation Expenses Reimbursement*: You can opt for an additional cover to compensate expenses in case of a minimum 24 hour hospitalisation due to injury, within 7 days of the date of the accident
  • Permanent Total Disablement: In case of permanent and total loss of limbs, sight, etc. due to an accident, you will be compensated with the ​sum ​insured
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%
*As stated in Part I of the Schedule.
  • Accidental Hospital Daily Allowance: We offer an additional cover that gives you a per day allowance for each day of hospitalisation after the insured event, not exceeding 30 days of hospitalisation, with a deductible of 1 day


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

Refer to the Policy Wordings document to understand exactly what all your policy covers, so you can benefit from it better.