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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

  • Features
  • 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

Covers

  • 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