ICICI Lombard Universal Protection Plan
When life throws you off guard, we will help you to stay strong.
Presenting, Universal Protection Insurance Policy.
Rising healthcare expenses bring in a lot of financial burdens when it comes to unfortunate hospitalizations. ICICI Lombard General Insurance cushions you against the uncertainties of life and adds the ‘extra’ layer to your financial security.
25 Critical Illness covered up to ₹20 Lacs
Accidental Death, Permanent Total Disability and Permanent Partial Disability covered
Flexibility to choose higher Personal Accident Death Sum Insured (up to 5 times of CI)
Children Education Benefit covered up to 10% of Personal Accident Sum Insured, Maximum upto ₹50K per child or ₹3 Lacs on aggregate basis, whichever is lower
No survival period in case of Critical Illness. Initial Waiting Period of 90 days applicable only to Critical Illness section. However, waiting period is not applicable on renewal
Permanent Total Disability covered up to 150% of Accidental Death Sum Insured, Permanent Partial Disability covered up to 75% of Accidental Death Sum Insured
No Financial Underwriting required
List of Critical Illnesses covered
Loss of Speech
Heart Valve Replacement
Benign Brain Tumour
Major Organ Transplant
End Stage Renal Failure
Motor Neurone Disease with Permanent Symptoms
Medullary Cystic Disease
Primary Pulmonary Hypertension
Pulmonary Artery Graft Surgery
End Stage Liver Disease
Coronary Artery Bypass Graft
Surgery of Aorta
Systemic Lupus Erythematosus with Lupus Nephritis
Commission from General Insurance
Details of the Commission earned by the Bank as corporate agent from Non-Life insurance distribution business w.e.f April 1, 2023 are as follows:
|Sr No||Categories||First Year Commission||2nd Year Renewal Commission|
|1||Health Individual *||12.50%||52.50%||12.50%||25.00%|
|2||Health Individual2 Health-Group (Employer-Employee Annual)||7.50%||7.50%||7.50%||7.50%|
|3||Health-Group (Employer-Employee Annual)||7.50%||7.50%||7.50%||7.50%|
|4||Health-Group (Non Employer-Employee Annual)*||15.00%||47.50%||15.00%||25.00%|
|5||Health-Group (Credit Linked upto 5 years)*||27.50%||62.50%||0.00%||40.00%|
|6||Health Govt Schemes **||As specifed in the Government Scheme/ Notifcation|
|Commission from GI-Other than Motor|
|2||Fire Commercial (Risks with SI < 2500 cr)||15.00%||20.00%||12.50%||22.50%|
|3||Fire Commercial (Risks with SI > 2500 cr)||7.50%||20.00%||7.50%||22.50%|
|8||Miscellaneous Corporate (Engineering Risks with SI>2500Crs)||7.50%||20.00%||7.50%||22.50%|
|Commission from GI- Motor Insurance|
|2||Motor (Stand Alone-TP)||2.50%||2.50%||2.50%||2.50%|
* Health Individual/Health Group Includes annual premium, more than one-year single premium.
** Commission/remuneration shall be payable as per government notification.
*** Commission /Remuneration shall be payable only to OD portion of Motor.
Registered and Corporate Office address: ICICI Lombard General Insurance Company Ltd., ICICI Lombard House, 414, Veer Savarkar Marg, Prabhadevi, Mumbai – 400025, IRDAI Registration No: 115, CIN:L67200MH2000PLC129408,
Email:firstname.lastname@example.org ,Telephone: 18001032292.
For more details on risk factors and terms and conditions, please read the sales brochure carefully before concluding the sale. For all other Terms and Conditions, please refer to policy wordings on https://www.bharti-axagi.co.in. Product Name: ICICI Lombard Group Health Assure Super Top up, UIN No: BHAHLGP20039V011920. HDFC Bank is a licensed corporate agent of ICICI Lombard General Insurance. CA license number CA0010.
ICICI trade logo displayed above belongs to ICICI Bank and is used by ICICI Lombard GIC Ltd. under license and Lombard logo belongs to ICICI Lombard GIC Ltd