Insurance other than ‘Life Insurance’ falls under the category of General Insurance. General Insurance comprises of insurance of property against fire, burglary etc, personal insurance such as Accident and Health Insurance, and liability insurance which covers legal liabilities. There are also other covers such as Errors and Omissions insurance for professionals, credit insurance etc.

Personal insurance covers include policies for Accident, Health etc. Products offering Personal Accident cover are benefit policies. Health insurance covers offered by non-life insurers are mainly hospitalization covers either on reimbursement or cashless basis.Accident and health insurance policies are available for individuals as well as groups

Liability insurance covers such as Motor Third Party Liability Insurance, Workmen’s Compensation Policy etc offer cover against legal liabilities that may arise under the respective statutes. There are general insurance products that are in the nature of package policies offering a combination of the covers mentioned above.

Suitable general Insurance covers are necessary for every family. It is important to protect one’s property, which one might have acquired from one’s hard earned income.

1. Travel Insurance

Introduction

• All overseas travel policies charge premium on a slab basis.
• Which means if you are on a 16-day trip, you end up paying for 21 days, as the slab is 14 to 21 days. But with us you ‘pay per day’

Key Benefits

• Cashless Medical Service, at any hospital in the world.
• Special Family Plans and Annual Multi-Trip Plans to save you money.
• Immediate policy issuance, no medical checks.
• Coverage up to 85 years*
• Claims settlement in 7 days, with minimum documentation

Please contact us for further details

2. Vehicle Insurance

Introduction

• ICICI Lombard brings to you a comprehensive Package Policy for your four-wheelers, which covers Third Party Liability (TPL) for bodily injury and/or death, Personal Accident cover for owner-driver and loss or damage to the vehicle insured (Own Damage or OD)

Key Benefits

• Digitally signed policy is available 24X7 online, customer can take prints instantly.
• The hard copy of the policy is couriered the same day (or next day if customer buys after 6 PM) and will reach him/her within 2-3 working days.
• You can claim towing charges up to Rs 1,500
• Cashless claim settlement at All India Cashless Garage List all across India.
• Avail of the following bonuses and discounts :
  No Claim Bonus: If you do not make a claim during the policy period, a No Claim Bonus (NCB) is offered on renewals. This discount can go as high as 50%. (NCB will only be allowed provided the policy is renewed within 90 days of the expiry date of the previous policy.)  
  Transfer your NCB: You can transfer full benefits of No Claim Bonus when you shift your motor insurance policy from another company to ICICI Lombard.

3. Health Insurance

Introduction

• For the first time in India, one single policy takes care of the hospitalization expenses of your entire family. Family Floater Health Plan takes care of all the medical expenses during sudden illness, surgeries and accidents.
• New! - Avail complete health check-up absolutely free!

Key Benefits

• One Policy – One Premium for the entire family. The floater health plan covers your entire family under one policy with one sum insured and one premium. This takes care of hospitalization expenses in case of a sudden illness, accident or planned surgery of the entire family.
• Income Tax benefit under Section 80D

4. Home Insurance

Introduction

• It is imperative that you secure your home from natural and man-made catastrophes. Our Home Insurance Plan ensures you peace of mind by protecting the structure and the contents of your home.

Key Benefits

• Digitally signed policy is available 24X7 online, customer can take prints instantly.
• The hard copy of the policy is couriered the same day (or next day if customer buys after 6 PM) and will reach him/her within 2-3 working days.
• Avail 15% discount on a 3 years home insurance policy and 25% discount on 5 years policy.
• Optional covers available - Terrorism and Additional expenses of rent for alternative accommodation.

5. Personal Accident Insurance

Introduction

• 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.

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.
• Digitally signed policy is available 24X7 online and emailed immediately to the customer, from which printouts can be taken. The hard copy will reach customer within 2-3 days (couriered the same day if booked before 6 pm, else will be sent the following day).
• Multiple payment options – credit card, net banking (direct debit), and cheque / demand draft. You can pay through your ICICI Bank Credit Card and avail of Interest-Free equal monthly installments (EMI) for your premium.