ICICI Lombard Universal Protection Plan

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.

All You Need To Know


  • 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


Myocardial Infarction



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


Medullary Cystic Disease

Primary Pulmonary Hypertension


Alzheimer’s Disease

Pulmonary Artery Graft Surgery

End Stage Liver Disease

Major Burns

Muscular Dystrophy

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 NoCategoriesFirst Year Commission2nd Year Renewal Commission
1Health Individual *12.50%52.50%12.50%25.00%
2Health Individual2 Health-Group (Employer-Employee Annual)7.50%7.50%7.50%7.50%
3Health-Group (Employer-Employee Annual)7.50%7.50%7.50%7.50%
4Health-Group (Non Employer-Employee Annual)*15.00%47.50%15.00%25.00%
5Health-Group (Credit Linked upto 5 years)*27.50%62.50%0.00%40.00%
6Health Govt Schemes **As specifed in the Government Scheme/ Notifcation

Commission from GI-Other than Motor

1Fire Retail 15.00%20.00%12.50%22.50%
2Fire Commercial (Risks with SI < 2500 cr)15.00%20.00%12.50%22.50%
3Fire Commercial (Risks with SI > 2500 cr)7.50%20.00%7.50%22.50%
6Miscellaneous Retail15.00%20.00%12.50%22.50%
7Miscellaneous Corporate/Group20.00%37.50%22.50%22.50%
8Miscellaneous Corporate (Engineering Risks with SI>2500Crs)7.50%20.00%7.50%22.50%

Commission from GI- Motor Insurance

1Motor Comprehensive***17.50%30.00%17.50%30.00%
2Motor (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: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