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ICICI Prudential Life Insurance offers a range of innovative, customer-centric products that meet the needs of customers at every life stage. Its products can be enhanced with up to 4 riders, to create a customized solution for each policyholder.
Savings & Wealth Creation Solutions :
ICICI Pru Save 'n' Protect is an ideal plan for those who want to accumulate funds on a regular basis while enjoying insurance protection.
ICICI Pru CashBak is a single policy that combines the triple benefit of protection, savings & periodic liquidity.
Protection Solutions :
ICICI Pru iProtect is a term insurance plan that you can buy online at your convenience at affordable premiums.
ICICI Pru Pure Protect is a flexible and affordable term product, with which you can ensure your life and provide total security for your family in case of an unfortunate event.
ICICI Pru LifeGuard is a protection plan, which offers life cover at low cost. It is available in 2 options –level term assurance with return of premium & single premium.
ICICI Pru HomeAssure is a mortgage reducing term assurance plan designed specifically to help customers cover their home loans in a simple and cost-effective manner.
Child Plans :
ICICI Pru SmartKid Regular Premium is a fixed-term insurance plan that provides you with funds at regular intervals.
Retirement Solutions :
ICICI Pru ForeverLife is a traditional retirement product that offers guaranteed returns for the first 4 years.
ICICI Pru Immediate Annuity is a single premium annuity product that guarantees income for life at the time of retirement. It offers the benefit of 5 payout options.
Health Solutions :
ICICI Pru Hospital Care is a fixed benefit inpatient hospitalisation plan, covering various stages of treatment with a daily allowance, ICU, procedures & recuperating allowance. It covers a range of medical conditions (900 surgeries) and has a long term guaranteed coverage upto 20 years.
ICICI Pru Crisis Cover is a 360-degree product that will provide long-term coverage against 35 critical illnesses, total and permanent disability, and death.
ICICI Pru MediAssure is a reimbursement inpatient hospitalization health insurance policy that provides guaranteed insurability till age 75 years.
Group Insurance Solutions :
ICICI Prudential also offers Group Insurance Solutions for companies seeking to enhance benefits to their employees.
Group Gratuity Plan: ICICI Prudential Life's group gratuity plan helps employers fund their statutory gratuity obligation in a scientific manner and also avail of tax benefits as applicable to approved gratuity funds.
Group Leave encashment Plan: ICICI Prudential Life’s Group offers a market linked and traditional leave encashment plan designed to aid the employer to build a fund to meet their future leave encashment liability. The contributions made will be invested as per the chosen investment plans and will be available for payment of the benefit when it falls due. Additionally, the product also provides for term cover for all the employees covered under the policy.
Group Immediate Annuities: ICICI Prudential Life realises the importance of prudent retirement planning. With this in mind, it has developed a suite of life and joint life annuities which guarantee periodic payment to annuitants upto death. Further there are options which return the purchase price on death of annuitants. These annuity options are offered to our existing superannuation customers, and also to superannuation funds not managed by us.
Group Term Plan: ICICI Prudential Life's flexible group term solution helps provide an affordable cover to members of a group. The cover could be uniform or based on designation/rank or a multiple of salary. The benefit under the policy is paid to the beneficiary nominated by the member on his/her death.
Flexible Rider Options :
ICICI Prudential Life offers flexible riders, which can be added to the basic policy at a marginal cost, depending on the specific needs of the customer.
- Accident & disability benefit: If death occurs as the result of an accident during the term of the policy, the beneficiary receives an additional amount equal to the rider sum assured under the policy. If an accident results in total and permanent disability, 10% of rider sum assured will be paid each year, from the end of the 1st year after the disability date for the remainder of the base policy term or 10 years, whichever is lesser.
- Critical illness benefit: Critical Illness Benefit Rider provides protection against 9 critical illnesses to the policyholder when attached to the basic plan.
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