{"uin":"ICIHLGP26053V052526","name":"Income Protect Prospectus","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526","insurer":{"slug":"icici-lombard-general-insurance","name":"ICICI LOMBARD General Insurance Company Limited","url":"https://indiainsurances.com/insurer/icici-lombard-general-insurance"},"line":"health","category":"critical-illness","category_name":"Critical illness","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Income Protect is a benefit policy with selectable sections for loss of income, critical illness, major surgical procedures, personal accident and hospital daily cash. It has entry age 18 to 65 years, policy term up to 1 year for non-credit linked policies and up to 5 years for credit linked policies, and initial waiting periods of 90 days for Sections A and B and 30 days for Section D.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:28:04.405052+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The documents describe selectable sections and benefits, not named plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Up to 1 year for non-credit linked policies and up to 5 years for credit linked policies.","display":"Up to 1 year for non-credit linked policies; up to 5 years for credit linked policies","note":"From the prospectus; the policy wording defines the policy period by the policy certificate.","quote":"The Policy will be issued for upto 1 year for non-credit linked policies and upto 5 years for credit linked policies.","sources":[{"clause":null,"heading":"Policy Period","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19811#c-policy-period"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Notify the insurer immediately, and submit the completed claim form and relevant documents within 30 days. Delay beyond 30 days may be condoned on merits only if beyond the claimant's control.","display":"Notify immediately; submit claim form and documents within 30 days","note":null,"quote":"Notify Us immediately on toll free number 1800 2666 or on our website www.icicilombard.com or also in writing at Our address specified in the Policy Certificate. ... If any Claim is not made within 30 days of the Insured Event, then We will condone such delay on merits only where the delay has been proved to be for reasons beyond the claimant’s control.","sources":[{"clause":null,"heading":"4. CLAIM SETTLEMENT/PROCEDURE","page":31,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19864#c-4-claim-settlement-procedure"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Duly completed Claim form signed by you and the Medical Practitioner","Original bills, receipts and discharge certificate/ card from the Hospital/ Medical Practitioner","Original bills from chemists supported by proper prescription","Original investigation test reports and payment receipts","Indoor case papers","Medical Practitioner's referral letter advising Hospitalization in non-Accident cases","Any other document as required by Us or to investigate the Claim or Our obligation to make payment for it"],"display":"Claim form, original bills and receipts, discharge certificate/card, chemist bills with prescription, investigation reports, indoor case papers, referral letter, and any other required document","note":"Section-specific claim documents are also listed separately for each benefit in the policy wording.","quote":"Duly completed Claim form signed by you and the Medical Practitioner. The claim form can be downloaded from our website www.icicilombard.com ... Original bills, receipts and discharge certificate/ card from the Hospital/ Medical Practitioner ... Original bills from chemists supported by proper prescription. ... Original investigation test reports and payment receipts. ... Indoor case papers ... Medical Practitioner's referral letter advising Hospitalization in non-Accident cases. ... vii) Any other document as required by Us or to investigate the Claim or Our obligation to make payment for it","sources":[{"clause":null,"heading":"CLAIM SETTLEMENT/PROCEDURE","page":21,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19811#c-claim-settlement-procedure"},{"clause":"4.3(d)(vii)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19811#c-4-3-d-vii"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"An admitted claim is paid within 15 days of receipt of the claim along with documents and information required for settlement.","display":"Within 15 days of receipt of the claim with required documents and information","note":null,"quote":"We shall make the payment of claim that has been admitted as payable by Us under the Policy within 15 days of receipt of the claim along with documents and information required for the settlement of the claim","sources":[{"clause":null,"heading":"4. CLAIM SETTLEMENT/PROCEDURE","page":31,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19864#c-4-claim-settlement-procedure"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["The Insured Event occurring prior to the Risk Inception Date or arising within the first 90 days","Any Hospitalization falling within the Waiting Period as specified in the Policy Certificate subject to maximum 30 days waiting period","Pre-existing Disease (Unless specifically covered and mentioned in the policy certificate)","Specific Waiting Period","Any treatment received outside India unless specifically covered and specified in the Policy Certificate","Maternity (Unless specifically covered and mentioned in the policy certificate)","Cosmetic or Plastic Surgery","Any Injury / Illness occurring whilst engaging in any Adventure Sports","Breach of Law","Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof","War, invasion, act of foreign enemy hostilities or warlike operations","Any physical, medical condition or treatment or service that is specifically excluded in the Policy Certificate under the head “Special Conditions”"],"display":"Main exclusions include 90-day/30-day waiting periods, PED and specific waiting periods, outside-India treatment unless specified, maternity unless specified, cosmetic surgery, adventure sports, breach of law, alcohol or drug abuse, war, and special-condition exclusions.","note":"Exclusions vary by section; this list combines key waiting-period exclusions, Section D exclusions and general exclusions.","quote":"The Insured Event occurring prior to the Risk Inception Date or arising within the first 90 days of commencement of the Period of Cover. ... Any Hospitalization falling within the Waiting Period as specified in the Policy Certificate subject to maximum 30 days waiting period. ... Pre-existing Disease (Unless specifically covered and mentioned in the policy certificate) ... Specific Waiting Period (Unless specifically ... Any treatment received outside India unless specifically covered and specified in the Policy Certificate unless specifically covered and specified in the Policy Certificate. ... Maternity (Unless specifically covered and mentioned in the policy certificate) ... Cosmetic or Plastic Surgery: Expenses for cosmetic or plastic surgery or any treatment to change appearance ... Any Injury / Illness occurring whilst engaging in any Adventure Sports ... Breach of Law: Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent. ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... War, invasion, act of foreign enemy hostilities or warlike operations ... Any physical, medical condition or treatment or service that is specifically excluded in the Policy Certificate under the head “Special Conditions”.","sources":[{"clause":"1.2","heading":"Exclusions applicable to Section A","page":8,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19864#c-1-2"},{"clause":null,"heading":"5.2 Exclusions applicable to Section D","page":26,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19864#c-5-2-exclusions-applicable-to-section-d"},{"clause":"Row 1(c)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19864#c-row-1-c"},{"clause":"31","heading":"Specific Waiting Period (Unless specifically","page":28,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19864#c-31-2"},{"clause":"Row 1(d)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19864#c-row-1-d"},{"clause":"Row 1(a)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19864#c-row-1-a-6"},{"clause":"Row 1(b)(iv)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19864#c-row-1-b-iv-2"},{"clause":"19","heading":"Any Injury / Illness occurring whilst engaging","page":27,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19864#c-19-2"},{"clause":"23","heading":"Breach of Law: Expenses for treatment","page":27,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19864#c-23-2"},{"clause":"24","heading":"Treatment for, Alcoholism, drug or substance","page":27,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19864#c-24-2"},{"clause":"27","heading":"War, invasion, act of foreign enemy hostilities","page":28,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19864#c-27-2"},{"clause":"1","heading":"Any physical, medical condition or treatment or","page":30,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19864#c-1-5"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact ICICI Lombard through the website, toll-free number, email or the company's branch/grievance cell. If not satisfied, contact the grievance officer, then IRDAI/Bima Bharosa, and then the Insurance Ombudsman subject to jurisdiction.","display":"Contact ICICI Lombard through website, 1800 2666, customersupport@icicilombard.com or branch/grievance cell first","note":null,"quote":"ln case of any grievance the insured person may contact the Company through Website: www.icicilombard.com Toll free: 1800 2666 Email: customersupport@icicilombard.com ... lnsured person may also approach the grievance cell at any of the company's branches with the details of grievance. ... lf lnsured person is not satisfied with the redressal of grievance, insured person may contact the grievance officer","sources":[{"clause":"17","heading":"Grievances","page":35,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19864#c-17-3"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"not-stated","value":null,"display":null,"note":"The documents point to the Policy Certificate/Schedule for the chosen sum insured but do not state selectable cover amounts.","quote":null,"sources":[],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days for Section D; 90 days for Sections A and B; Section C no waiting period","note":"The 90-day waiting period for Section B stands modified if the optional cover “Modification of Waiting Period for Section B” is opted.","quote":"Section A | 90 Days\nSection B | 90 Days\nSection C | No Waiting Period\nSection D | 30 Days","sources":[{"clause":null,"heading":"GENERAL TERMS AND CONDITIONS OF THE POLICY","page":18,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19811#c-general-terms-and-conditions-of-the-policy"}],"law":[]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"months","amount":24},"display":"24 months","note":"Applies to Section D unless specifically covered and mentioned in the policy certificate; accident claims are not subject to this exclusion.","quote":"Expenses related to the treatment of the below listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first policy with us","sources":[{"clause":"31","heading":"Specific Waiting Period (Unless specifically","page":28,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19864#c-31-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["Deviated Nasal Septum, CSOM-Chronic Suppurative Otitis Media","Stapedectomy, Mastoidectomy, any treatment for conditions related to tonsils, adenoids, sinuses, turbinates/ concha","Fibroids (fibromyoma), Endometriosis, Uterine Prolapse, Polycysyic Ovarian Syndrome(PCOS)","Dilatation and curettage (D&C), Myomectomy, Hysterectomy","Arthritis, Gout and Rheumatism","Stones in gall bladder & Biliary System; Cholecystitis, Fissure/fistula in anus, haemorrhoids, pilonidal sinus, piles, Esophageal Varices & Gastric Varices, Gastritis, Duodenitis & Pancreatitis","Gastric & Duodenal ulcers, Gastro Esophageal Reflux Disorder (GERD)/Acid Peptic Disease, Ulcerative colitis, Crohn's disease, Irritable Bowel Syndrome, Inflammatory Bowel disease","All forms of cirrhosis, Rectal prolapse, Perineal Abscesses, Perianal Abscesses","Cholecystectomy, Endoscopy","Stones in Urinary system, all prostate diseases, chronic renal failure or end stage renal failure or chronic kidney disease, dialysis","Dysfunctional uterine bleeding, pelvic inflammatory diseases, stress incontinence, Hydrocele, varicocele/ rectocele/ spermatocele","Cataract, Glaucoma, Diseases of the vitreous and retina","Unless malignant, All Internal/ External tumors, cysts, nodules, polyps, sinus, fistula, adenoma, lumps including teratoma, breast lumps, dermoid cyst, ovarian cyst, desmoid tumour, umblical granuloma, mucous cyst of lip/cheek","Diseases related to thyroid","All skin ailments","Ulcers of any kind (whether internal or external) including decubitus ulcers","Varicose veins & Varicose ulcers","Intervertebral disc disorders , Arthroscopy, Spinal and Vertebral Disorders including diagnosis as low back ache, Surgeries for joint replacements (except if hospitalization is required due to an accidental injury)","All Hernias (except if Hospitalization is5 required due to an Injury)"],"display":"Specified list includes ENT procedures, fibroids/endometriosis/PCOS, D&C/myomectomy/hysterectomy, arthritis/gout/rheumatism, gall bladder and GI conditions, urinary/prostate/kidney conditions, cataract/glaucoma, non-malignant tumours/cysts, thyroid, skin, ulcers, varicose veins, spine/joint disorders and hernias.","note":"The same list appears in the policy wording; the prospectus text is used here because it is legible in the extracted clauses.","quote":"• Deviated Nasal Septum, CSOM-Chronic Suppurative Otitis Media ... • Stapedectomy, Mastoidectomy, any treatment for conditions related to tonsils, adenoids, sinuses, turbinates/ concha\n• Fibroids | (fibromyoma), Endometriosis, Uterine Prolapse, | Polycysyic | Ovarian\nSyndrome(PCOS)\n• Dilatation and curettage (D&C), Myomectomy, Hysterectomy\n• Arthritis, Gout and Rheumatism\n• Stones in gall bladder & Biliary System; Cholecystitis, Fissure/fistula in anus, hemorrhoids, pilonidal sinus, piles, Esophageal Varices & Gastric Varices, Gastritis, Duodenitis & Pancreatitis\n• Gastric & Duodenal ulcers, Gastro Esophageal Reflux Disorder (GERD)/Acid Peptic Disease, Ulcerative colitis, Crohn's disease, Irritable Bowel Syndrome, Inflammatory Bowel disease\n• All forms of cirrhosis, Rectal prolapse, Perineal Abscesses, Perianal Abscesses\n• Cholecystectomy, Endoscopy\n• Stones in Urinary system, all prostate diseases, chronic renal failure or end stage renal failure or chronic kidney disease, dialysis\n• Dysfunctional uterine bleeding, pelvic inflammatory diseases, stress incontinence, Hydrocele, varicocele/ rectocele/ spermatocele\n• Cataract, Glaucoma, Diseases of the vitreous and retina\n• Unless malignant, All Internal/ External tumors, cysts, nodules, polyps, sinus, fistula, adenoma, lumps including teratoma, breast lumps, dermoid cyst, ovarian cyst, desmoid tumour, umblical granuloma, mucous cyst of lip/cheek\n• Diseases related to thyroid\n• All skin ailments\n• Ulcers of any kind (whether internal or external) including decubitus ulcers\n• Varicose veins & Varicose ulcers\n• Intervertebral disc disorders , Arthroscopy, Spinal and Vertebral Disorders including diagnosis as low back ache, Surgeries for joint replacements (except if hospitalization is required due to an accidental injury)\n• All Hernias (except if Hospitalization is5 required due to an Injury)","sources":[{"clause":null,"heading":"List of such specific diseases/procedures","page":15,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19811#c-list-of-such-specific-diseases-procedures"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"60 continuous months","note":"For enhanced sums insured, 60 continuous months applies from the date of enhancement only on the enhanced limits.","quote":"After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud.","sources":[{"clause":"24","heading":"Moratorium - After completion of sixty continuous","page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19864#c-24"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"The insured may port the policy from one insurer to another and transfer credits gained to the extent of the sum insured and previous benefits, subject to underwriting. The application must be made at least 30 days before, but not earlier than 60 days from, the renewal due date.","display":"Yes, with waiting-period credit transfer; apply 30 to 60 days before renewal","note":"Portability benefit is not applicable for enhanced sum insured.","quote":"The insured has the choice to port his / her policies from one Insurer to another. ... The insured is entitled to transfer the credits gained to the extent of the sum insured and the benefits available in the previous policy, subject to the underwriting policy of the Company ... at least 30 days before, but not earlier than 60 days from the due date for renewal","sources":[{"clause":"5","heading":"PORTABILITY BENEFITS","page":31,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19864#c-5-5"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"quote-verified","value":true,"display":"Yes, for Benefit 2, Benefit 3 and Benefit 9","note":"Benefit 9 cannot be renewed in isolation; no subsequent renewals are allowed after an admitted claim under Benefit 2, Benefit 3, Benefit 4, Benefit 5 or Benefit 8.","quote":"The Policy provides for life-long Renewals with respect to Benefit 2, Benefit 3, and Benefit 9.","sources":[{"clause":null,"heading":"Renewal of Policy","page":30,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19864#c-renewal-of-policy"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"No loading applies on renewals based on individual claims experience.","display":"No loading on renewals based on individual claims experience","note":null,"quote":"No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":null,"heading":"Renewal of Policy","page":30,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19864#c-renewal-of-policy"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"quote-verified","value":["Any physical, medical condition or treatment or service that is specifically excluded in the Policy Certificate under the head “Special Conditions”","Any breach of the law by the Insured Person with a criminal intent","War, invasion, act of foreign enemy, hostilities","Any Injury sustained while performing duty in army, navy, air force, paramilitary force, police or any other such institution","Ionising radiation or contamination by radioactivity","Usage, consumption or abuse of alcohol and/or drugs","Any act of self-destruction or self-inflicted injury, attempted suicide or suicide","Any tests and treatment relating to infertility and in vitro fertilization","Any Injury / Illness occurring whilst engaging in any Adventure Sports","Unproven Treatment","Maternity","Change of Gender Treatment","Treatment by a Family Member and self medication","Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof","Exclusion related to Rest Cure, rehabilitation and respite care"],"display":"Permanent exclusions include special conditions, criminal breach of law, war, military/police duties, nuclear/radiation, alcohol or drugs, self-injury/suicide, infertility/IVF, adventure sports, unproven treatment, maternity unless specified, change of gender, treatment by family/self medication, substance abuse and rest cure/rehabilitation/respite care.","note":"Excl01 to Excl03 are waiting-period exclusions and are not included here.","quote":"Any physical, medical condition or treatment or service that is specifically excluded in the Policy Certificate under the head “Special Conditions”. ... Any breach of the law by the Insured Person with a criminal intent. ... War, invasion, act of foreign enemy, hostilities ... Any Injury sustained while performing duty in army, navy, air force, paramilitary force, police or any other such institution ... Ionising radiation or contamination by radioactivity ... Usage, consumption or abuse of alcohol and/or drugs. ... Any act of self-destruction or self-inflicted injury, attempted suicide or suicide. ... Any tests and treatment relating to infertility and in vitro fertilization. ... Any Injury / Illness occurring whilst engaging in any Adventure Sports, either as an instructor/ trainer, or as a participant. ... Unproven Treatment: Expenses related to any unproven treatment, services and supplies for or in connection with any treatment. ... Maternity (Unless specifically covered and mentioned in the policy certificate) ... Change of Gender Treatment” Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex. ... Treatment by a Family Member and self medication or any treatment that is not scientifically recognized. ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... Exclusion related to Rest Cure, rehabilitation and respite care:","sources":[{"clause":"1","heading":"Any physical, medical condition or treatment or","page":30,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19864#c-1-5"},{"clause":"2","heading":"Any breach of the law by the Insured Person with a","page":30,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19864#c-2-4"},{"clause":"3","heading":"War, invasion, act of foreign enemy, hostilities","page":30,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19864#c-3-5"},{"clause":"4","heading":null,"page":30,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19864#c-4-5"},{"clause":"5","heading":"Ionising radiation or contamination by radioactivity","page":30,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19864#c-5-4"},{"clause":"6","heading":null,"page":30,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19864#c-6-4"},{"clause":"8","heading":null,"page":30,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19864#c-8-4"},{"clause":"11","heading":"Any tests and treatment relating to infertility and in","page":30,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19864#c-11-3"},{"clause":"12","heading":"Any Injury / Illness occurring whilst engaging in any","page":30,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19864#c-12-3"},{"clause":"Row 1(d)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19864#c-row-1-d"},{"clause":"Row 1(a)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19864#c-row-1-a-6"},{"clause":"20","heading":"Change of Gender Treatment” Expenses","page":27,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19864#c-20-2"},{"clause":"21","heading":"Treatment by a Family Member and self","page":27,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19864#c-21-2"},{"clause":"24","heading":"Treatment for, Alcoholism, drug or substance","page":27,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19864#c-24-2"},{"clause":"29","heading":"Exclusion related to Rest Cure, rehabilitation","page":28,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19864#c-29-2"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The scope of cover is within the geographical boundaries of India unless specified otherwise.","display":"India, unless specified otherwise","note":null,"quote":"The scope of cover shall be within the geographical boundaries on India unless specified otherwise.","sources":[{"clause":"6","heading":"OTHER RELATED TERMS AND CONDITIONS","page":32,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19864#c-6-5"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Free look is not provided for policies with tenure of less than a year.","quote":"Every insured of new health insurance policies, except for those policies with tenure of less than a year, shall be provided a free look period of 30 days beginning from the date of receipt of policy document","sources":[{"clause":null,"heading":"13. Free Look Period","page":34,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19864#c-13-free-look-period"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":15},"display":"15 days for monthly mode; 30 days in all other cases","note":"The renewal clause also refers to a Grace Period of 30 days from expiry of the policy.","quote":"The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases.","sources":[{"clause":"13","heading":"“Grace period”","page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19864#c-13"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Minimum entry age is 18 years and maximum entry age is 65 years.","display":"18 years to 65 years","note":null,"quote":"The minimum and maximum age of entry into the Policy is 18 years and 65 years respectively.","sources":[{"clause":"1","heading":"AGE LIMIT","page":30,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19864#c-1-6"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["monthly","quarterly","half yearly","annual"],"display":"Monthly, quarterly, half-yearly or annual instalments","note":null,"quote":"We will accept payment of the premium applicable taxes, charges, cess etc. in monthly/quarterly/half yearly/annual instalments as specified in the Policy Certificate","sources":[{"clause":"2","heading":"Premium Instalment Clause Premium Payment in installments","page":39,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19864#c-2-7"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["Modification of Waiting period for Section B"],"display":"Modification of Waiting period for Section B","note":"Available only if opted at inception of the policy and the applicable premium has been paid.","quote":"Optional Cover: Modification of Waiting period for Section B. If this optional cover is opted by paying additional premium, the Waiting Period applicable under Section B – shall stand modified as number of days as specified in Policy Schedule/CIS against this section","sources":[{"clause":null,"heading":"3.4 Optional Cover: Modification of Waiting","page":21,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19864#c-3-4-optional-cover-modification-of-waiting"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"For renewal grace period, coverage is not available and claims arising during the grace period are not payable. For instalment premium during the policy period, the insurer says it shall offer coverage during the grace period if the premium is paid in instalments during the policy period.","display":"No cover for renewal grace-period claims; instalment grace cover is offered if premium is paid in instalments during the policy period","note":"The document contains both the general renewal rule and the instalment-premium rule; both are from the policy wording.","quote":"Coverage is not available during the grace period. ... We will not be liable to pay for any Claim arising out of an Insured Event that occurs during the Grace Period. ... Provided the company shall offer coverage during the grace period, if the premium is paid in instalments during the policy period.","sources":[{"clause":null,"heading":"Renewal of Policy","page":30,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19864#c-renewal-of-policy"},{"clause":"2","heading":"Premium Instalment Clause Premium Payment in installments","page":39,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19864#c-2-7"}],"law":[]},{"key":"illness_count","label":"Number of illnesses covered","section":"Cover","meaning":"How many critical illnesses are listed. The definitions matter more than the count.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"illness_list","label":"Illnesses covered","section":"Cover","meaning":"The listed illnesses. Standard definitions are set by IRDAI.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"payout","label":"Payout","section":"Cover","meaning":"Lump sum on diagnosis, staged payouts by severity, or reimbursement.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"survival_period","label":"Survival period","section":"Waiting periods","meaning":"Days you must survive after diagnosis before the money is paid.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"multiple_claims","label":"Multiple claims","section":"Cover","meaning":"Whether you can claim for more than one illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ped_waiting","label":"Pre-existing conditions","section":"Waiting periods","meaning":"Whether an illness you already had can ever be claimed: after a waiting period, or never.","status":"quote-verified","value":{"unit":"months","amount":24},"display":"24 months for Section D","note":"For Section B, the policy excludes claims arising from pre-existing diseases rather than giving a waiting period.","quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first policy with insurer.","sources":[{"clause":"Row 1(a)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19864#c-row-1-a-5"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]}],"documents":[{"kind":"wording","label":"Income Protect","pages":44,"fetched_at":"2026-10-20 01:57:09+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/income-protect_policy-wordings_lot-14.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19864"},{"kind":"prospectus","label":"Income Protect Prospectus","pages":25,"fetched_at":"2026-10-20 01:53:39+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/income-protect_prospectus_lot-14.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/19811"},{"kind":"cis","label":"Income Protect","pages":16,"fetched_at":"2026-10-20 02:21:25+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/income-protect-cis.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526/document/20170"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"ICICI LOMBARD General Insurance official website","url":"https://www.icicilombard.com","note":"Website as listed by IRDAI. Not checked: the site blocks automated requests (bot wall) for our crawler on 2026-10-19; we do not bypass walls."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Income Protect Prospectus (UIN ICIHLGP26053V052526), IndiaInsurances, https://indiainsurances.com/policy/icici-lombard-general-insurance/income-protect-prospectus-icihlgp26053v052526"}