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Disclaimers

  • Car
  • Two wheeler
  • Health
  • Travel
  • A. Motor Vehicle Act: For more details on Motor Vehicles (Ammendment) Act 2019, please refer to: https://egazette.nic.in/WriteReadData/2019/210413.pdf
  • B. Car insurance starting price ₹2094: This premium, excluding 18% GST, applies to Motor Third Party Liability Insurance for private cars with cubic capacity of less than 1000 cc for a 1 year policy and may vary depending on the cubic capacity of the vehicle. The TP rates are provided by IRDAI and are subject to change as per the guidelines issued by authority from time to time.
  • C. 15000+ network garages: This is as of Oct 31, 2025. Breakup is as below
    6900+ cashless garages for private cars
    6900+ cashless garages for two wheelers
    1200+ cashless garages for commercial vehicles
  • D. Claim via InstaSpect: Instant approval is subject to policy terms & conditions and type of loss/damage. Approval would be subject to physical survey of the vehicle wherever deemed necessary. The insurer reserves the right to conduct a physical survey in accordance with the regulatory prescriptions. This is not applicable for major loss i.e. claims above Rs.50,000 & Third Party claims.
  • E. Preferred network garages services:
    • Pick-up & drop facility for your damaged car within city limits subject to availability of services.
    • Loss assessment survey within 4 working hours at preferred network garage.
    • Quality assurance of 6 months or maximum usage up to 6000 km post repairs whichever is earlier. This is applicable only if the claim has been intimated to us first before reporting the vehicle to any other garage. Also not applicable on consequential losses.
  • F. No Claim Bonus (NCB): No Claim Bonus will only be allowed if the policy is renewed within 90 days of the expiry date of the previous policy and there's no paid/pending claims on the previous policy. It is applicable for own damage section of the policy. Complete transfer of NCB can be done based on NCB reserving letter availed by the customer on the old vehicle provided the insured person remains the same. This will not be over and above the existing NCB in policy. Only either of the two can be taken.
  • G. Add-on covers: These add-on’s can be added in own damage (OD) components by paying additional premium.
    Add-on cover UIN
    Zero Depreciation IRDAN115RP0006V01201819/A0021V01201819
    Tyre Protect IRDAN115RP0006V01201819/A0029V01201819
    Road Side Assistance IRDAN115RP0006V01201819/A0028V01201819
    Return to Invoice IRDAN115RP0006V01201819/A0023V01201819
    Motor Floater IRDAN115RP0021V01202122/A0013V01202223
    Smart Saver Plus IRDAN115RP0021V02202122/A0001V01202425
    Loss of Personal Belongings IRDAN115RP0006V01201819/A0027V01201819
    Key Protect IRDAN115RP0006V01201819/A0026V01201819
    Garage Cash IRDAN115RP0006V01201819/A0024V01201819
    Engine protect Plus IRDAN115RP0006V01201819/A0025V01201819
    EMI Protect IRDAN115RP0006V01201819/A0013V01201920
    Emergency Medical Expenses IRDAN115RP0006V01201819/A0010V01202122
    Consumable Items IRDAN115RP0006V01201819/A0022V01201819
    Battery Protect Cover IRDAN115RP0006V01201819/A0007V01202223
    Telematics - PAYU & PHYU IRDAN115RP0021V01202122/A0021V01202223
    Zero Depreciation IRDAN115RP0001V01201920/A0035V01201819
    Tyre Protect IRDAN115RP0001V01201920/A0012V01201920
    Road Side Assistance IRDAN115RP0001V01201920/A0039V01201819
    Return to Invoice IRDAN115RP0001V01201920/A0036V01201819
    Motor Floater IRDAN115RP0001V01201920/A0011V01202223
    Loss of Personal Belongings IRDAN115RP0001V01201920/A0011V01201920
    Key Protect IRDAN115RP0001V01201920/A0010V01201920
    Garage Cash IRDAN115RP0001V01201920/A0037V01201819
    Engine protect Plus IRDAN115RP0001V01201920/A0009V01201920
    EMI Protect IRDAN115RP0001V01201920/A0004V01202021
    Emergency Medical Expenses IRDAN115RP0001V01201920/A0011V01202122
    Consumable Items IRDAN115RP0001V01201920/A0008V01201920
    Battery Protect Cover IRDAN115RP0001V01201920/A0004V01202223
    Telematics - PAYU & PHYU IRDAN115RP0001V01201920/A0019V01202223
    Smart Saver Plus IRDAN115RP0001V02201920/A0003V01202425
    Zero Depreciation IRDAN115RP0017V01200102/A0368V01200910
    Tyre Protect IRDAN115RP0017V01200102/A0001V01201819
    Road Side Assistance IRDAN115RP0017V01200102/A0027V01201213
    Return to Invoice IRDAN115RP0017V01200102/A0329V01200910
    Loss of Personal Belongings IRDAN115RP0017V01200102/A0021V01201213
    Key Protect IRDAN115RP0017V01200102/A0019V01201213
    Garage Cash IRDAN115RP0017V01200102/A0256V01200910
    Engine protect Plus IRDAN115RP0017V01200102/A0015V01201213
    EMI Protect IRDAN115RP0017V01200102/A0001V01202021
    Emergency Medical Expenses IRDAN115RP0017V01200102/A0002V01202122
    Consumable Items IRDAN115RP0017V01200102/A0216V01200910
    Motor Floater - Private Car Package IRDAN115RP0017V01200102/A0009V01202223
    Battery Protect Cover - Private Car Package Policy IRDAN115RP0017V01200102/A0005V01202223
    Telematics - PAYU & PHYU - Privare Car Package IRDAN115RP0017V01200102/A0017V01202223
    Smart Saver Plus IRDAN115RP0017V01200102/A0002V01202425

    • Road Side Assistance: Complimentary taxi services, towing, flat tyre services will be provided for up to 50 kms beyond which additional charges will be applicable. Accommodation will be provided for only one day with limit of Rs.5000 if the breakdown / accident has happened at least 100 kms away from the Insured's place, the time of repair of the insured vehicle exceeds 12 hours and The number of individuals seated in the Insured vehicle is not more than the maximum seating capacity.


    Garage Cash: This add-on cover is available at an additional premium. To avail this, minimum number of days spent in garage should be 2 days, and coverage days can be for up to 14 days. The per-day allowance is ₹500.


    Zero Depreciation: This add-on cover is available at an additional premium depending on the age, make-model, and RTO of the vehicle.



  • H. Doorstep Cashless Claims: Call us on 1800 2622 before reporting vehicle to any garage for doorstep service. The service is currently available in selected cities. For more details, please call on toll free number or visit our website.
  • A. Starting at just ₹538: This annual premium applies to Motor Third Party Liability Insurance for two wheelers with cubic capacity of less than 75 cc for a 1 year policy and may vary depending on the cubic capacity of the vehicle. The TP rates are provided by IRDAI and are subject to change as per the guidelines issued by authority from time to time.
  • B. 15000+ network garages: This is as of Oct 31, 2025. Breakup is as below
    6900+ cashless garages for private cars
    6900+ cashless garages for two wheelers
    1200+ cashless garages for commercial vehicles
  • C. 320+ branches: As on December 31, 2024
  • D. 24x7 road side assistance: This is an add-on cover available by paying additional premium
  • F. Personal accident: This is an add-on cover available by paying additional premium.
  • G. Add-ons: This add-on’s can be added in own damage (OD) components by paying additional premium.
    Add-on cover UIN
    Zero Depreciation IRDAN115RP0002V01201920/A0003V01201920
    Road Side Assistance IRDAN115RP0002V01201920/A0005V01201920
    Return to Invoice IRDAN115RP0002V01201920/A0004V01201920
    Motor Floater - SAOD TW IRDAN115RP0002V02201920/A0012V01202223
    Garage Cash IRDAN115RP0002V01201920/A0006V01201920
    Telematics - PAYU & PHYU - SAOD Two Wheeler IRDAN115RP0002V02201920/A0020V01202223
    Emergency Medical Expenses IRDAN115RP0002V01201920/A0006V01202122
    Battery Protect Cover TW - SAOD IRDAN115RP0002V02201920/A0045V01202223
    Consumables Cover IRDAN115RP0002V02201920/A0008V01202324
    Driving Accessories Cover IRDAN115RP0002V02201920/A0009V01202324
    Engine Protect Plus IRDAN115RP0002V02201920/A0010V01202324
    Key Protect IRDAN115RP0002V02201920/A0011V01202324
    Tyre and Wheel Rim Protect IRDAN115RP0002V02201920/A0012V01202324
    Road Side Assistance IRDAN115RP0015V01200607/A0002V01201213
    Return to Invoice IRDAN115RP0015V01200607/A0017V01200910
    Garage Cash IRDAN115RP0015V01200607/A0018V01200910
    Zero Depreciation IRDAN115RP0015V01200607/A0020V01200910
    Motor Floater - Two Wheeler Package IRDAN115RP0015V04201415/A0010V01202223
    Garage Cash IRDAN115RP0015V01200607/A0018V01200910
    Emergency Medical Expenses IRDAN115RP0015V04201415/A0007V01202122
    Telematics - PAYU & PHYU - Two Wheeler Package IRDAN115RP0015V04201415/A0018V01202223
    Battery Protect Cover TW - Package IRDAN115RP0015V04201415/A0047V01202223
    Consumables Cover IRDAN115RP0015V05201415/A0003V01202324
    Driving Accessories Cover IRDAN115RP0015V05201415/A0004V01202324
    Engine Protect Plus IRDAN115RP0015V05201415/A0005V01202324
    Key Protect IRDAN115RP0015V05201415/A0006V01202324
    Tyre and Wheel Rim Protect IRDAN115RP0015V05201415/A0007V01202324
  • I. Up to 93% discount on two-wheeler insurance: This discount is applicable only on the Own Damage section of the Two wheeler vehicle package policy only and is available only for scooters which are older than 5 years.
  • J. InstaSpect: Instant approval is subject to policy terms & conditions and type of loss/damage. Approval would be subject to physical survey of the vehicle wherever deemed necessary. The insurer reserves the right to conduct a physical survey in accordance with the regulatory prescriptions. This is not applicable for major loss i.e. claims above Rs.50,000 & Third Party claims.
  • K. No Claim Bonus (NCB): No Claim Bonus will only be allowed if the policy is renewed within 90 days of the expiry date of the previous policy and there's no paid/pending claims on the previous policy. It is applicable for own damage section of the policy. Complete transfer of NCB can be done based on NCB reserving letter availed by the customer on the old vehicle provided the insured person remains the same. This will not be over and above the existing NCB in policy. Only either of the two can be taken.
  • A. Zero hassle health policies starting @₹20/day: Elevate health policy starting @₹20/day: Premium for Elevate health insurance for Zone A, including GST and 5% online discount for the policies purchased from our website, for ₹7.5L sum insured (SI) for a customer aged 16-20 years, with no pre-existing condition, is ₹7219. Premium excluding 18% GST is ₹6118. Therefore, the per day premium is ₹19.78, i.e. approximately ₹20, sold annually. (Zone A: Delhi, Mumbai (including Thane district, Navi Mumbai) , Gurugram district, Karnal district, Sonipat district, Rohtak district, Bhiwani district, Chakri Dadri district, Mahendragarh district, Daman & Diu, Dadra Nagar, Ahmedabad, Surat, Noida City, Ghaziabad district, Hapur district, Meerut district, Muzaffarnagar district, Shamali district)
  • B. No medical checkup required: No medical tests will be required for insurance cover below the age of 56 years and sum insured up to ₹20 lakh.
  • C. 10,300+ Healthcare providers: As on Jan 31, 2025
  • D. 60 mins TAT for cashless hospitalisation: Turnaround time of 60 minutes is from the time of receipt of complete documents, on best effort basis.
  • E. 320+ branches: As on December 31, 2024
  • F. Domiciliary hospitalisation: Available in health shield, health shield plus, health elite and health elite plus plans
    Air ambulance cover: Available in health shield, health shield plus, health elite and health elite plus plans
    Donor expenses: Available in health shield, health shield plus, health elite and health elite plus plans
    Emergency services: Available in health shield, health shield plus, health elite and health elite plus plans
    Unlimited reset benefit: Available in health shield, health shield plus, health elite and health elite plus plans
    Available in Health AdvantEdge plans: Available in health shield, health shield plus, health elite and health elite plus plans
  • G. Worldwide cover: Optional covers available at an additional premium.
    Super no claim bonus: Optional covers available at an additional premium.
    Claim protector: Optional covers available at an additional premium.
  • H. Cataract: After 2 years from the policy start date, any claim for cataract treatment shall not exceed ₹20,000 per eye during each policy year for sum insured up to ₹5 lakh and shall not exceed ₹1 lakh per eye for sum insured ₹7 lakh and above.
  • I. Customise your health insurance policy for family with our ready-made set of add-ons: Optional covers available at an additional premium.
  • J. Donor expenses: Donor expenses are covered under base plan up to ₹10 lakh in health shield, health shield plus, health elite & health elite plus.
  • K. Optional covers available at an additional premium. Donor expenses is available as an optional add-on in iHealth covering up to ₹50,000.
  • L. 99.7% of health insurance claims*: For FY 2020-21
  • M. 62%* of healthcare costs are out of hospital expenses: As per the Insurance Regulatory and Development Authority of India (IRDAI), out of pocket medical expenses make up for nearly 62% of the total healthcare costs in India.
  • N. Health AdvantEdge: Medical test will be needed if age is above 45 years and sum insured is above ₹ 10 lakh
  • O. Declared & accepted Pre-existing diseases will be covered after a waiting period of 2 years.
  • P. Instant policy: to a successful verification and approval of the submitted documents.
  • Q. Cashless Everywhere: As per policy T&C. This facility will be extended based on confirmation from respective hospital/healthcare provider. Customer to request through app at least 24 hours before planned admission date.
    1. For elective procedures, customer should intimate at least 48 hours prior to admission
    2. For emergency treatment, customer should intimate within 48 hours of admission.
    3. Claim shall be admissible as per terms of the policy and cashless facility shall be admissible as per the operating guidelines of the Insurance Company.
  • R. Health Booster Starting Price ₹ 132/month: is for a sum insured of ₹ 5 Lac, at a deductible of ₹ 5 Lac for 1 adult, 21 years old.
  • S. Reset benefit: Reset will not be triggered for the first claim under the policy. Applicable only for admitted claims under “Inpatient Care” or “Day care Procedure/Treatment”. The Reset Benefit will not be available for an Illness / Injury or related complications including but not limited to any relapse within 45 days in respect of which a claim has been paid in that Policy Year for the same Insured Person.
  • T. Worldwide coverage: There will be a waiting period of 2 years after this cover has been opted to avail any kind of benefit under the same. There will be no waiting period for any inpatient hospitalization claims arising due to Accident or Injury. In case of planned Inpatient Care, prior intimation of at least 7 days in advance of travel and due approval from Us will be necessary. In case of hospitalisation for emergency care, You must intimate us within 24 hours of such inpatient admission. This cover can only be availed by you if the insured's age is up to 65 years.
  • U. 1 crore: This policy provides coverage of 1 crore and other sum insured options as per requirement. For more details please refer the policy documents.
  • V. Tax Disclaimer: Deduction under section 80D is as per applicable provisions of the Income Tax Act, 1961 and amendments made thereto.
  • W. ICICI Lombard's Health AdvantEdge plan has recently topped Mint- Beshak ratings. Source - www.beshak.org and www.livemint.com
  • X. We have option of co-pay and deductibles
  • Y. Optional covers available on payment of additional premium
  • Z. Teleconsultation (Unlimited times): Available in Elevate. Applicable to all sum insured; consultations can be availed via IL TakeCare App only for emergency and everyday health issues. Choosing the services under this Cover is purely upon the Insured Person’s own discretion and at own risk. The services under this Benefit should not be construed to constitute medical advice and/or substitute the Insured Person's visit/ consultation to an independent Medical Practitioner/Healthcare professional.
  • AA. Powered by AI: Additional coverages will be recommended basis the information provided.
  • AB. Power of Infinite Personalisation (Elevate): Policy can be personalized by selecting from the wide range of add-on covers available in the product.
  • AC. Waiver of Deductible: Waiver of deductible feature allows you to convert your top up policy to a base policy with no deductible, if the policy was first purchased before the age of 50 and is continuously renewed thereafter. This feature can be exercised only when the age of the eldest insured member is between the ages of 55-65 years.
  • AD. Guaranteed Deductible Reduction: Guaranteed deductible reduction feature to reduce your deductible by 10% at each renewal, with maximum reduction of 50% of the deductible opted during the first policy issuance.
  • AE. Elevate and Activate Booster can be purchased individually, as per your convenience. Activate Booster, which is a super top-up policy, can be purchased along with any other base retail health insurance policies of ICICI Lombard.
  • AF. For Elevate: The discount is available on base cover premium of Elevate health insurance for Non Resident Indians / Overseas Citizens of India if the NRI Advantage add-on cover is opted. Add-ons are subject to payment of additional premium.
  • AO. 0% GST applicable for individual and family floater
  • A. Inclusions/Exclusions: These are a part of an indicative list, for detailed information please refer policy wordings.
  • B. Lost checked in baggage: We shall indemnify the Insured for the value of the Checked In Baggage totally lost whilst in custody of the Common Carrier during the period of journey in relation to Trip covered.
  • C. MISSED (FLIGHT) CONNECTIONS of International Travel Insurance: The time gap between the scheduled arrival of the previous flight and the scheduled departure of the next flight (Missed Flight) shall be less than 3 hours.
  • D. Delay of checked-in-baggage: Fixed allowance in case the Insured shall encounter a delay in receipt of his/ her Checked-In Baggage beyond the period as specified in the Policy Schedule.
  • E. World wide cashless hospitalisation : To avail this service. Customer needs to inform us at least 24 hours before the Date of Admission (DOA) to faciliate Anywhere Cashless. This facility will be extended based on the confirmation from respective hospital/ healthcare provider” and "T& C Apply
  • F. Personal accident (TripSecure+) : We shall pay a lump sum payout in case of death or permanent total disablement or permanent partial disablement of the insured during the policy period. Excludes amounts related to medical expenses.
  • G. Financial emergency cash allowance (TripSecure+) : Lump sum payout in case you are left with no travel funds following an incident of theft, robbery, etc. during the policy period. No claim will be accepted if the claim is reported to the Company or Assistance Service Provider more than 48 hours after the incident of theft or burglary of luggage/money.
  • H. Burglary- Home Contents (TripSecure+) : Indemnification for financial loss or damage due to burglary/attempted burglary at your residence while you are on a covered trip. Excludes the loss or damage while Insured’s premises is unoccupied, for a consecutive period of more than 30 days, without informing informed the Company and obtaining its written approval. Also excludes Theft without actual forcible and violent entry and/or exit from the premises.
  • I. Hospitalisation Expenses for Injury and Illness (TripSecure+) : Reimbursement of medical expenses incurred for medical treatment on account of injury. Either Hospitalisation Expense for Illness and Injury cover or Hospitalisation Expense for Injury cover can be selected. Both cannot be opted together. Sub limits, if any, under this cover can be removed upon payment of additional premium.
  • J. Loss of checked-in baggage (TripSecure+) : Under this cover, coverage is limited to any one incident of loss.
  • K. Trip cancellation (TripSecure+) : Indemnification for financial loss (travel and accommodation) incurred on cancellation of trip due to unexpected events e.g. sickness, natural calamities, terrorist attack etc.
  • L. Car rental cover (TripSecure+) : We will reimburse the Insured for the Rental Vehicle Insurance in case the Rental Vehicle is stolen, damaged or involved in a collision whilst in the care of the Insured. Rental Vehicle Insurance means the amount, the Insured is legally liable to pay under the Rental Vehicle hiring agreement to the car rental company, if the Rental Vehicle is involved in an accident or is stolen during the rental period. However, the Rental Vehicle Insurance does not include the Deductible amount as defined under Cover 36: Car Rental Cover for Deductible.
  • M. Loss of passport and international driving license (TripSecure+) : Reimbursement of a fixed benefit amount shall be given to the Insured is he/she loses or damages their original Passport or International Driving License.
  • N. Financial emergency cash allowance : Lump sum payout in case you are left with no travel funds following an incident of theft, robbery, etc. during the policy period. No claim will be accepted if the claim is reported to the Company or Assistance Service Provider more than 48 hours after the incident of theft or burglary of luggage/money.
  • O. Pre-existing disease cover add-on (TripSecure+) : Subject to payment of additional premium. Sub limits, if any, under this cover can be removed upon payment of additional premium.
  • P. Medical evacuation (TripSecure+) : Reimbursement of expenses for emergency transportation and evacuation services necessitated due to any Illness contracted or accidental Injury sustained during the policy period. Excludes any Medical treatment or expense related to Cruise cover unless such Cover 32: Medical Cover on a Cruise has been opted.
  • Q. Adventure sports add-on (TripSecure+) : Subject to additional premium.
  • R. Debit and credit card and forex card - fraudulent utilisation (TripSecure+) : Reimbursement for financial loss due to fraudulent utilization of debit / credit / forex card in the event of loss or theft of such card during policy period upto the limit as defined in policy certificate.

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