ICICI Lombard Universal Protection Plan

• 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

• Critical Illness

• Personal Accident

List of Critical Illnesses covered
Cancer	Myocardial Infarction	Deafness
Stroke	Multiple Sclerosis	Loss of Speech
Heart Valve Replacement	Parkinson’s Disease	Benign Brain Tumour
Major Organ Transplant	End Stage Renal Failure	Motor Neurone Disease with Permanent Symptoms
Coma	Medullary Cystic Disease	Primary Pulmonary Hypertension
Paralysis	Alzheimer’s Disease	Pulmonary Artery Graft Surgery
End Stage Liver Disease	Major Burns	Muscular Dystrophy
Coronary Artery Bypass Graft	Surgery of Aorta	Pneumonectomy
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
		Min	Max	Min	Max
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
1	Fire Retail	15.00%	20.00%	12.50%	22.50%
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%
4	Marine-Cargo	15.00%	20.00%	12.50%	22.50%
5	Marine-Hull	15.00%	20.00%	12.50%	22.50%
6	Miscellaneous Retail	15.00%	20.00%	12.50%	22.50%
7	Miscellaneous Corporate/Group	20.00%	37.50%	22.50%	22.50%
8	Miscellaneous Corporate (Engineering Risks with SI>2500Crs)	7.50%	20.00%	7.50%	22.50%
	Commission from GI- Motor Insurance
1	Motor Comprehensive***	17.50%	30.00%	17.50%	30.00%
2	Motor (Stand Alone-TP)	2.50%	2.50%	2.50%	2.50%

Note:

​​​​​​​* 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.

Disclaimer:

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:customersupportba@icicilombard.com  ,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