General Insurance is also known as non-life insurance. An individual can avail insurance protection by paying premium to an insurance company. There is a vast scope for the General insurance products in the national market and the insurers are trying to provide the customers with innovative plans to secure their lives. In India, the insurance penetration is improving and it will lead India to the position of the second largest developing economies in the world.

Some of the reputed general insurance companies offer unique plans that protect you against the risks and induce maximum benefits to you.

Health Insurance for Family

 Health Insurance

Health Insurance is also known as Mediclaim. There are several types of insurance policies that come under health insurance. Some health insurance plans avail you tax benefits whereas some provide you coverage against accident. Majority of insurance plans cover health and health related issues of the entire family. When you opt for a family health insurance plan, you get benefits like a free health check-up coupon, terrorism cover etc… Purchase health insurance that suits your need, budget and interest.

Motor Insurance - Car Insurance and Two wheeler Insurance

 Motor Insurance

Motor Insurance is known as Auto, Vehicle or Car insurance and its basic aim is to provide protection against losses incurred as a result of traffic accidents and against liability that could be incurred in an accident. Two wheeler insurance also comes under Motor Insurance.  

Fly with Travel Insurance and have a safe journey...

Travel Insurance

 Travel Insurance covers medical and non-medical expenses, financial expenses like money invested in nonrefundable pre-payments and other losses incurred while traveling in the nation or overseas. These days, with the increasing risk of terrorist attacks, buying a travel insurance plan has become a must thing before departure.

Protect you home with Home Insurance

 Home Insurance

Home Insurance covers your home, private property and other structures such as furniture, appliances and clothing against fire and theft. An insurance plan for your home from a reputed insurer not only protects your home and your belongings but also provides coverage for the losses that could have taken place due to terrorism and acts of terrorism.

You can also browse through the plan details and premium quotes before making a final decision. Purchasing policies online is a smart option to get apt coverage without any paperwork. You can view, print and manage your insurance policy anytime, anywhere. Insure your life and your most precious assets and live with peace of mind.

             Being in good health is essential to maintain the quality of life. World Health Organization (WHO) celebrates the World Health Day every year on 7th of April to ensure a better health for people across the globe. The theme of World Health Day 2009 is to focus on the safety of health facilities and the readiness of health workers who treat those affected by emergencies.(Source: www.who.int/) 

Live Healthy

             Many of us may or may not be affected by such emergencies but we can certainly be a part of this mission by creating a healthy environment. See how some simple tips can help you gain sound health at least for yourself: Following factors are in your control and implementing them will certainly bring you good results:

Well-balanced diet :A balanced diet means eating the right amount of the right type of food. Consuming appropriate portions of variety of nutritious foods nurture your body and keep you active. A well-balanced diet consists of food groups that provide sufficient carbohydrates, proteins, vitamins and minerals to your body. These are essential sources of energy, fiber, strength and stamina. Eating right things in a right way also makes you feel good about yourself as your emotional well-being is dependent on it.

 Regular Exercise: It is important to add movement to your life. Regular exercise brings multiple benefits that improve your body and mind. If you have hectic lifestyle, try doing small activities like taking steps instead of elevators, opting for longer routes to your desk, parking further so you walk between the car and the stores, playing with kids, swimming on free days, joining a dance or aerobics class. Simply getting a exercise buddy can also help you a lot in order to be  fit. So, keep moving.

De-stressing:  Timely and adequate sleep is essential and works as natural stress buster. Resting and relaxing are key ‘activities’ that help you manage stress in a better way. Allow yourself to de-stress at least once a day. Listen to music, plant trees, read a book or just sit at a comfortable place and breathe in deeply. Stress management is not very difficult if you’re eating balanced meals and exercising regularly. But if it’s still overpowering you then ensure that you take additional steps to combat stress.

Adopting new healthy habits:  Instead of changing a bad habit, adopt a new habit. If you’re leaving home without having breakfast, it’s a time to adopt a habit of ensuring that you have breakfast before leaving home. Research has shown that people who eat breakfast, tend to take in more vitamins and minerals and less of fat and cholesterol. Quiting to smoke or moderating consumption of Alcohol are difficult habits to change but not impossible. Smoking doesn’t induce any benefits and damages your health in many ways. If you carefully choose your drinks then they might help you to a certain extent. Prefer making your own cocktails. Also, avoid drinking creamy liqueurs after dinner as they contain huge amount of calories.

Positive Attitude:  This is common yet very important. Your attitude towards looking at life alone can change many things. Thinking positive keeps your mind and body active. Find a way to bring joy into your life by pursuing some hobby, be creative, pamper yourself with a massage treatment, get a pet, believe in sharing, make friends, help your neighbors or simply write a blog every week. A lot can be done if you think you can… because when you think you can , you will..!

Ensure yourself a better health this year to live longer… Happier..!

Log on to www.icicilombard.com for more information on Health and Health Insurance.

If you are planning to travel to U.S.A, do ensure that you abide by the various requirements. Here are few important pointers regarding the Health and Medical requirements.

• Visitors’ Medical Health Insurance is mandatory while traveling to U.S.A. You are therefore recommended to take a comprehensive medical insurance, which also covers unforeseen medical expenses.
•  As a visitor or new immigrant, you will not be eligible for domestic health insurance plans. An insurance is therefore necessary because treatment in U.S.A., particularly in case of hospitalization is very expensive. Even a visit to the doctor for minor problems may cost several hundred dollars. This does not include the medication or laboratory tests fees.
•  A Health Insurance is mandatory to maintain a legal visa status if you hold a F or J Visa (non-immigrant student visas). If you are an Indian student going to U.S.A. for higher studies, do check our University Search for your university specific student medical insurance requirements.
•  Only emergency cases are handled without prior payment. In case of other services, treatment is refused without evidence of medical insurance or upfront payment.
•  Any medications you buy over the counter in U.S.A. requires a doctor’s prescription.
•  Long-term visitors with children need immunization certificates against measles, diphtheria, rubella and poliomyelitis to enroll them into a school. In certain states, immunization against mumps, tetanus and whooping cough is also required.
•  Act 212 (1) of Immigration and Nationality Act (INA) lists individuals inadmissible into U.S.A. on health grounds. In general, individuals with communicable diseases of public significance, a history of/suffering from physical and mental disorders perceived to be a threat to public property and safety, non-compliance to vaccination requirements and drug abusers/addicts are inadmissible foreigners. Click here for more details.
•  It is recommended that you take a Hepatitis B vaccination when traveling to United States of America.
•  Take precaution against mosquito-borne diseaseWest Nile Virus (during the summer and autumn months) and that by infected-tick bites-Lyme Disease.
•  Under the 96 Act, foreigners intending to immigrate permanently are inadmissible unless they have received vaccinations for mumps/measles/rubella (MMR), diphtheria/pertussis(whooping cough)/tetanus (DPT), polio, influenza, Hepatitis B and others as recommended byAdvisory Committee on Immunization Practices.
•  Apart from Hepatitis B, all the vaccinations mentioned above are “routine vaccinations” and must be taken even if one is not traveling.

For more information on Visa Laws, Baggage Guidelines, Prohibited and Permitted items and other important Custom Laws, click here.

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Frequent terror strikes in the recent past clearly indicates our vulnerability towards terrorism. A series of five synchronized bomb blasts within few minutes on September 13 in Delhi, the capital of India, has shaken the country’s sense of security. At least 100 people were wounded and 20 killed in the blasts at Delhi’s busiest areas: Karol Bagh market, Kailash market and Connaught Place. 

The blasts in Jaipur on 13 May, the serial bombings in Bangalore on July 25 and blasts in Ahemdabad on July 26 can be viewed as black days in the history of our country. Hundreds of lives were lost due to these attacks.

The evil mess created by the terrorists largely affects the victims and his family. Though we at once, cannot uproot these terror strikes, we can still do a lot to reduce the toll it can have on our family and ourselves. Insurance against terror attacks, hence, has become more necessary than ever before.

Keeping this in mind, ICICI Lombard General Insurance Company offers terrorism cover through Personal Accident insurance policy,  thereby providing relief and a source of replacement income to the victims of terrorism. In case of death of the insured due to terrorist attack or act of terrorism, the nominee is compensated with the sum insured. If the insured is permanently disabled losing his limbs, sight, etc. he receives the sum insured in the form of a lump sum payment.

The toll of terrorism is unthinkable. Obviously, the need for having proper coverage cannot be undermined. It is necessary for everyone and if you are an earning member of your family, the need demands greater attention.

Personal Accident Insurance is available in 4 easy plans with 4 different sum insured. You can also choose the period of coverage that varies from 3 to 5 years.

Anyone in the age group of 18 to 70 years can buy this policy without undergoing a medical check-up. With our Buy Online service you can buy this policy online, without any paperwork, in as few as 10 minutes.

Looking at the frequent terror strikes in the country, it becomes important to secure ourselves and our families at the earliest possible.

Click here to insure against terrorism instantly….

For further queries, call 1800-209-888 (toll-free) or visit www.icicilombard.com for more information and to buy online.

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We all have commitments, both personal and professional to live up to. The result is a  busy schedule where we are racing against time and thus, tend to forget important activities and dates. One such important date, which one usually tends to miss out, is the insurance policy renewal date.

ICICI Lombard GIC, the pioneer of general insurance products in India, brings to you a service to ensure you renew your insurance policies on time.

The Policy Renewal Reminder is an online initiative to help customers renew their policy before the expiry date and prevent it from lapsing. All one has to do is fill up some basic details and set a reminder.

How does it work?
Simply go to the Online Policy Renewal Reminder tool and fill up the basic details such as your name, email address and your mobile and telephone numbers.

You then choose the insurance policy you want to set a reminder for (e.g. car insurance, health insurance, home insurance etc), put in the expiry date and set a reminder either 5, 10 or 15 days before the lapse date (as per your discretion). Just click on submit and its done!

We shall send you a reminder via Email and SMS when your renewal is due.

What sets this service apart is that you need not be n ICICI Lombard customer to avail this. Any general insurance policy holder, irrespective of where he got his insurance from, can set a reminder with this tool.

You can set reminders for multiple policies in one go itself. E.g. if you want to set reminders for your car and health insurance, you need not go to renewal reminder tool  and submit details twice. You can choose multiple policies at the same time.

The best part is that this service is absolutely free and can be availed online anytime, anywhere. The procedure is extremely simple and it hardly takes a minute or two.

So, simply log on to www.icicilombard.com to set a reminder and forget about it! We shall do the remembering on your behalf.

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If you are planning a trip abroad, availing travel insurance is a must. However, choosing the right plan and the provider from the the numerous options available in the market can get quite tricky.

ICICI Lombard General Insurance Company, the pioneer of travel plans amongst the private insurers in India, offers Individual Overseas Travel insurance that also covers pre-existing diseases (in case of emergency). Yes, you read it right. ICICI Lombard offers coverage for pre-existing disease in life-threatening situations, thereby making it one of the most opted travel insurance amongst the many plans available.

ICICI Lombard has also tied up with UnitedHealth Group (UHG), one of the largest health care companies in the US, thereby providing exclusive health care services to its customers. This assures the travelers access to 86% of acute care hospitals, more than 554,000 physicians, 4,800 medical facilities & OPD centers and 60,000 pharmacies throughout the U.S. 

What also sets this travel policy apart form others is that the premium is charged on a unique pay per day basis and not the usual slab rates. If you travel for 15 days, you pay exactly for 15 days and not for 20 days according to the slab system.

Travelers up to the age of 85 do not have to undergo any health check-up. What’s more, we also offer you the convenience of calculating premium and buying insurance online in just a few minutes. When you buy online, a digitally signed document is generated which is saved online and can be accessed from any place any time. The secure online platform allows you to not only buy but also renew and track your claims online.

The benefits mentioned above, makes our Overseas Travel Insurance, one of the most preferred travel insurance plan for Indians going abroad. 

In its 7 successful years of operations, ICICI Lombard has kept the promise of providing good deals to the customers for the simple reason that we prioritize our customer’s emotions with their hard-earned money. Our Individual Overseas Travel Insurance Plan is no exception.

Travel Worry Free with ICICI Lombard’s travel insurance. That’s what a holiday is meant for!

For further queries, call 1800-209-888 (toll-free) or visit www.icicilombard.com for more information and to buy online.

Travelling abroad for further studies is an important chapter in one’s life. Before you tread on this exciting path, it is necessary that you prepare for yourself a safety net for the new environment that can act as a shield against unforeseen emergencies. Purchasing a student medical insurance can remove these worries and make your study abroad a pleasant experience.

When people plan to study abroad for higher studies, the United States of America is their first preference. U.S. is known for top rated universities, varied and conventional courses and specialization, and state-of-the-art training and research facilities. There are number of must haves while you leave your home country to study in the States. Student Medical Insurance is one such requirement. Current U.S. laws require international students to carry student medical insurance. Universities in the US do provide international students with a health insurance but it is always recommended that you carry your health insurance in the home country and get a waiver from the university plan simply because you can avail the same coverage a lesser cost.

ICICI Lombard General Insurance offers Student Medical Insurance that covers medical & non-medical benefits at a comparatively low cost. Buying in India means that you pay premiums in rupees and get the benefits in dollars!

To ensure quality health care, ICICI Lombard has now tied-up with United Health Group, the best, and the most diverse health care company in the US which serves more than 70 millions Americans. More than 86% of all acute care hospitals and huge number of physician and OPD facilities are in their network. This tie-up will benefit the students going to U.S. because of the hospital network and give all the students access to United Healthcare’s network of hospitals and physicians.

All our students traveling to the US will now receive a co-branded ICICI Lombard and UHI card printed along with the policy and get access to 86% of acute care hospitals, more than 554,000 physicians, 4,800 medical facilities, OPD centers and 60,000 pharmacies throughout the U.S.

Our student medical insurance is one of the most preferred because we cover pre-existing disease in life-threatening emergencies. The plans are tailor made according to the requirement of universities.

With Student Medical Insurance from ICICI Lombard you get good cash value because you can avail the same coverage at 1/3rd the cost of insurance premium abroad. What’s more? You can also buy policy online without any paperwork and get the documents instantly.

Facilities as attractive as these makes it compelling to get insurance from Student Medical Insurance from ICICI Lombard.

Indian students enrolled at a U.S. university can purchase insurance in India and activate the policies prior to their departure and the commencement of their academic session.

So the next time you or any of your loved ones is planning a study abroad in U.S., call 1800 209 888 and get your comprehensive Student Medical Insurance from ICICI Lombard GIC.

Click Here to buy online.

For further details, please log on to www.icicilombard.com

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United Kingdom is considered one of the best international destination for higher education. It offers a perfect mix of good institutions, courses and affordable fees. UK also ranks as one of the most preferred study destination by Indians as the Indian curriculum matches that of the British to a great extent. Hence, Indian students face less adaptability problems while studying in UK University.

When it comes to health care, it is often believed that the NHS services offered in UK is enough and no student medical insurance is required. Agreed that it is not mandatory to have one in UK, but it definitely is important to have one. Why? Simply because the NHS is not a free medical service; charges are made for certain things so you should not assume that all treatments will be free. Generally, as an International Student studying on a course in the UK for more than six months, you are entitled to the same treatment as UK citizens.

None the less, you do require to compliment your NHS cover with a comprehensive Student Medical policy that  cover medical costs if you fall ill, and also to cover the additional possible costs resulting from illness. These can be substantial, and include things like study interruption, compassionate visit, medical evacuation and repatriation of remains.

ICICI Lombard GIC covers all these and more at most nominal prices. Apart form medical benefits, we also provide 8 non medical covers. You can buy online with us instantly without any paperwork and get insurance in just a few minutes..

Here are a few reasons on why you need to complement your NHS cover with ICICI Lombard Student Medical Insurance

• Avail coverage at all hospitals including Private Clinics – Avail treatment at all hospitals including Private Clinics. Along with General Practitioner Charges, Specialist Treatment like Dental Treatment Charges is also covered. 
• Worldwide Cashless Hospitalization Facility – Avail cashless hospitalization across network hospitals worldwide. This means that you are covered even if you were to travel outside UK to European countries during your internship program.
• Avoid long waiting periods – With ICICI Lombard Student Medical Insurance, you can avoid long wait periods to avail medical treatment.
• 8 Non-Medical Benefits – Avail coverage for 8 additional non-medical benefits including Bail Bond, Study Interruption, Compassionate Visit
• 2 year Continuous plan – Opt for 2 year Plans to cover your entire period of study (365+365 days)

To know more about studying in UK and university specific insurance requirements, click here.

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ICICI Lombard Motor Insurance gives you 5 ‘ CARing’ tips for the Monsoon driving

Car Care
Remember to check battery, electrical wiring, headlights , tyres, engine, wipers and the underbody anti- rust coating on a regualar basis. Tyre pressure, tread depth and spare wheel should also be checked. Replace cloth floor mats with plastic/ rubber mats as it avoids dampness and bad odour.

Driving Care
Avoid driving when it is pouring heavily . But if urgent, drive using first gear only and avoid using full accelerator. Lower your window panes while driving through water logged areas. If the car stalls in between, do not try to push start or crank start. It is advisable to get technical help and towing the vehicle to the the nearest authorised garage. Avoid parking the vehicle near a newly built compound wall or under big trees, as storms or heavy thundershowers may collapse them.

Personal Care
A well equipped first aid kit with bandage, pain relief spray, antiseptic cream, anti-allergics such as Avil and Aspirin should be kept handy, also carry umbrella / raincoats. People with serious illness should carry their prescribed medicines while travelling.

Emergency Care
In case you are stuck, park your car and look for the nearest garage. Be prepared to carry a list of the name of garages. It is also advisable that you create the ICE (In Case Emergency) number in your cell phone so that incase of an eventuality near ones can be informed. Also store emergency numbers of hospitals , police stations, fire stations etc.

Wallet Care

Now Save money on your Motor Insurance. It is advisable to check our Motor Insurance rates before renewing/ buying your Motor Insurance policy.

Renew your Motor Insurance NOW with ICICI Lombard 24 X 7

• Avail of the 0% EMI option on your insurance premium
• Comprehensive cover of personal accident, third party liability and own damage (OD) cover.
• Avail cashless settlement of claims across 2200+ network garages
• Transfer your NCB (No Claim Bonus) and avail discount of up to 50% on your renewals

Call us now for a free quote at 1800 209 8888 (toll free, also accessible from your mobile phone) or SMS MOTOR to 56767.

Visit www.icicilombard.com to buy online