ICICI Pru Non-Linked Group Accidental Death and Disability Rider is offered to employer-employee groups and non-employer-employee groups, as an attachment to their underlying group policy.

With this rider, in the event of an unfortunate demise or disability caused due to accident, the rider sum assured is payable. The Rider will have to be attached to your base master policy and it will provide additional sum assured to give you that extra comfort of safety.

What makes ICICI Pru Non-Linked Group Accidental Death and Disability Rider suitable for you?

  • Protection against accidental death1 and disabilities2
  • Option to add the rider benefit to base master policy at inception or at any subsequent master policy renewal of the base master policy
  • Flexibility to pay premiums in single pay, yearly (annual), half-yearly, quarterly or monthly mode
  • Tax benefits may be available as per prevailing tax laws

Additional Feature

Sum Assured Reset Benefit

The Rider Sum Assured for each Member can be increased or decreased by the Master Policyholder during the term of the Policy, subject to underwriting. This can be done provided the life cover for the Member is in force and the rider sum assured does not exceed the Member’s base sum assured. If the base sum assured for any Member is increased/decreased by the master policyholder during the term of the policy, the rider sum assured would be reset if necessary, such that it does not exceed the member base sum assured.

Product Information

  • What is the minimum amount of Life Cover offered?

    • The minimum amount of Life Cover is ₹ 5,000 for each member.

  • At what age can a member start this plan?

    • The minimum age of entry for a member should be 18 years. But, the maximum age of entry should not exceed 65 years. The maximum renewal age is 70 years.

  • What is maximum and minimum policy period offered?

    • Maximum coverage term permissible under each of the benefit option(s) offered within the rider is 1 year, subject to a maximum cover ceasing age of 70 years (last birthday).

    Any of the benefit option(s) under the rider can be attached to an applicable member cover at the inception of such master policy or at any subsequent master policy renewal, subject to the age restrictions mentioned.

    The policy term of the base plan and rider will be the same.

 

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1Under this option, if the Member whose life is covered by this benefit option passes away, due to an accidental death which happens within the Coverage term such that death happens 180 days from the date of accident, the sum assured for ADB will be paid out as a lump sum to the person specified (known as the Claimant) in the policy, provided the benefit option is in-force at the time of the accident.

If Accidental Death occurs beyond the Coverage Term, this sum assured will be paid provided the accidental death occurs within 180 days from the date of accident. This is applicable subject to Accident occurring within the Coverage Term and the Benefit Option being in-force at the time of Accident.

2Under this option, if the Member whose life is covered by this benefit option gets totally, continuously and permanently disabled, due to an accident which happens within the Coverage term of this benefit option such that the disability occurs within 180 days from the date of accident, the Sum Assured for ATPD will be paid out as a lump sum to the person specified (known as Claimant) in the policy.

If Accidental Total and Permanent Disability occurs beyond the Coverage Term, this sum assured will be paid provided the disability occurs within 180 days from the date of accident. This is applicable subject to Accident occurring within the Coverage Term and the Benefit Option being in-force at the time of Accident. For more details, kindly refer to the Rider policy document.

3Tax laws are subject to amendments made from time to time. Please consult your tax advisor for more details. Tax benefits under the policy are subject to conditions under provisions of the Income Tax Act, 1961. Goods and Services Tax and Cesses, if any, will be charged extra as per prevailing rates.

ICICI Pru Group Non – Linked Accidental Death and Disability Rider (UIN : 105B046V01)

ADVT: W/II/1189/2023-24

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