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³A Life Assured shall be regarded as Terminally Ill only if that Life Assured is diagnosed as suffering from a condition which, in the opinion of two independent medical practitioner’s specializing in treatment of such illness, is highly likely to lead to death within 6 months. The terminal illness must be diagnosed and confirmed by medical practitioner’s registered with the Indian Medical Association and approved by the Company. The Company reserves the right for independent assessment. Terminal Illness benefit will not be applicable in case the policy is sourced through POS personnel.

Terminal Illness Benefit only accelerates the Death Benefit payable under the Policy and is not an additional benefit.

⁴Premium Break: You can get Premium Break under the product for a period extending by 12 months from the due date of first unpaid premium. During this Premium Break Period, the premium (including the rider(s) premium, additional premium (if any) for the other inbuilt benefits, any underwriting extra premium, loadings for modal premiums, applicable taxes, cesses and levies, etc. if any) due and payable for the said period will be deferred (“Deferred Amount”) but the risk cover under the policy and rider(s) will continue as per the terms and conditions of the policy and rider(s), respectively. In case of any claim under the Policy on the happening of any insured event during this period, the policyholder will receive the eligible claim amount under the policy after deducting all the deferred amount. This benefit option can be availed multiple times with at least 5 policy years between two Premium Break periods. The Premium Break will not be available during the last 3 policy years of the premium payment term. The Deferred Amount along with the next due Premium is to be paid within the Grace period applicable for the premium due at the next Policy Anniversary after the commencement of the Premium Break Period  to ensure continuance of the risk cover under the policy.

^sA discount as follows will be offered on first year’s premium of Death Benefit (excluding rider premiums, underwriting extra premiums and taxes) to salaried customers:

Premium Payment Option	Discount
Limited Pay	15%
Regular Pay	12.5%

^DA discount as follows will be offered on first year’s premium of Death Benefit (excluding rider premiums, underwriting extra premiums and taxes) to employee (ICICI Prudential Life Insurance Company Limited and the employees of the associate companies of ICICI Bank Limited.) who are also a salaried customer:

Premium Payment Option	Discount
Limited Pay	19%
Regular Pay	15%

^+- Inflation Rate (All India): 5.02% as on September 2023

^GDisclaimer for GST benefit for NRI:

GST benefits is subject to conditions prescribed under Goods and Services Tax laws and submission of applicable documents. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details.

The below mentioned conditions need to be abided by to get GST benefit -

• 1.  The premium should be paid from the individual’s NRE bank account only and submit all the required documents in the same month in which premium is due
• 2.  The individual should be residing abroad and must submit the valid foreign residence address proof. Any change in the residential status should be intimidated to ICICI Prudential Life Insurance 15 days prior to acquiring the changed status.
• 3.  GST benefit can be availed at the time of renewal by re-submitting required documents.
• 4.  The company reserves the right to cancel the policy in case of misinterpretation of details submitted or inability to submit the required documents.
• 5.  The premium payment done through debit card, credit card, wallet, inter policy transfer of funds or any other card will not be considered for GST benefit and full GST must be paid in such scenarios.
• 6.  ICICI Prudential Life Insurance Company Limited will be indemnified against any incorrect/inadvertent claim of GST on premiums along with interest, if any, as applicable from time to time in accordance with the GST law.

^FFlat 15% lifetime discount is applicable for females as compared to male lives for across all sum-assured, Policy Term, Premium Payment Term and age combinations. The discount is only available on the base premium.

^PThe premiums are guaranteed to remain fixed for the entire premium payment term of this product including the ICICI Pru Non-Linked Health Protect Rider.

^' The online discount percentages vary according to age, policy term , premium payment term and sum assured chosen by the customer and can range between 1%-5%. The exact 5% discount appears at the following scenario: ₹ 50 lakh of life cover for a 30-year-old healthy non-smoker male (occupation: non-salaried) for a policy term of 35 years with regular pay and lumpsum payout option. The offline monthly premium inclusive of taxes will be ₹876 & online annual premium inclusive of taxes will be ₹832.

^EStaff discount is offered on first year’s offline premium of Death Benefit (excluding rider premiums) to employees of ICICI Prudential Life Insurance Company Limited and the employees of the associate companies of ICICI Bank Limited. This discount will be as follows:

Premium Payment Option	Discount
Single Pay	1%
Limited Pay	5%
Regular Pay	2.5%

^7`Savings in yearly mode of premium payment are in the form of Modal Loadings. For monthly and Half-yearly mode of premium payment, modal loadings are 5% and 2% respectively.

^9*Our Life insurance policies cover COVID-19 claims under life insurance claims, subject to applicable terms and conditions of policy contract and extant regulatory framework. COVID-19 is not included in Critical Illness benefit covered under IProtect Smart Plus..

⁹Accidental Death benefit (ADB) is up to ₹3 crores (Subject to underwriting guidelines). ADB is available in Life Plus option. In case of death due to an accident Accidental Death Benefit will be paid out in addition to Death Benefit. Accidental Death Benefit policy term will be equal to the policy term of death benefit or (85-Age at entry), whichever is lower.

^α Data regarding volume of claims is as per ICICI Prudential Annual Report FY2025. Please refer to Public Disclosure section on ICICI Prudential website for more details. https://irdai.gov.in/document-detail?documentId=1632108

^LYou can choose to increase the Death Benefit at the key milestones of marriage, child birth/ adoption of child or disbursement of a home loan provided this feature is exercised within 6 months from the date of the event, age of the policy holder is less than 50 years, no claim has been admitted for any benefits under the policy and the policy is in force..

On exercising the option, you will have to pay an additional premium for the additional Sum Assured for the outstanding term of the policy based on your then age. This feature is available only with Regular premium payment option. Such increase in sum assured is only applicable to base death benefit.

Event	Maximum Additional Death Benefit (percentage of original Sum Assured)
Marriage	50%
Birth / Legal adoption of 1st child	25%
Birth / Legal adoption of 2nd child	25%
Disbursement of Home Loan	100%

^>1 Day is a working day, counted from the date of receipt of all relevant documents from the claimant, additional information sought by the Company and any clarification received from the claimant. The Company will be calling the claimants for verification of information submitted by the Claimant which will also be considered as part of relevant documents. Working day will be counted as Monday to Friday and excluding National holidays /Bank holidays/Public holidays.

• ●  ^#Interest shall be at the bank rate that is prevalent at the beginning of the financial year in which death claim has been received. In case of breach in regulatory turnaround time, interest will be paid as per IRDAI regulations
• ●  All due premiums in the policy have been paid and the policy has been active for 3 consecutive years preceding life assured’s death.
• ●  Mandatory documents to be submitted at Branch Office- Claimant statement form, Copy of death certificate issued by local authority, AML KYC documents- Nominee’s recent photograph, Copy of Nominee’s pan card, Nominee’s current address proof, photo identity proof, Cancelled cheque/ Copy of bank passbook, Copy of medico legal cause of death, Medical records (Admission notes, Discharge / Death summary, Test reports, etc.), For accidental death - Copy of FIR, Panchnama, Inquest report, Postmortem report, Driving license.
• ●  Total claim amount of all the life policies held by the Life Assured <=₹1.5 Crore.
• ●  Claim does not require any on-ground investigation.

^`₹3.09 Lakh Crore benefits paid till March 31, 2025 as per ICICI Prudential Annual Report 2024-25. Please refer to Public Disclosure section on ICICI Prudential website for more details.

^¶Calculation of 85 years is based on the existing life years , that is, 85 years of age minus your current age. There are also other option for payment that is 7 pay, 10 pay, RP, 60 year-Age and PT – 5 year . For more details please refer product brochure.

^°The policyholder will have an option to cancel the Policy and receive Smart Exit Benefit i.e. 100% of Total Premiums Paid under the Policy.
The following conditions are applicable for availing 100% Premium Refund:

• ● This option can be exercised in any policy year greater than 25 but not during the last 5 policy years, provided the age of the life assured is 60 years or more at the time of exercise.
• ● The Policy is in-force with all due premiums paid at the time of exercising this option.
• ● No claim for any of the underlying benefits has been registered and is under evaluation/ or accepted/ or paid/ being paid on the Policy.

Where, Total Premiums Paid means the total of all premiums received, excluding any extra premium, any rider premium and taxes. In case the benefit term for additional benefit(s), for which additional premium has been paid, has expired at the time of exercise of Smart Exit Benefit, then Total Premiums Paid shall exclude the premium paid towards such additional benefit(s). Please refer to sales brochure for more details.

^%9.17 Crore lives covered across our individuals and group customers as per ICICI Prudential Annual Report 2024-25. Please refer to Public Disclosure section on ICICI Prudential website for more details.

^##Critical Illness benefit under ICICI Pru Non-Linked Health Protect Rider: Critical Illness rider(CI benefit) is up to life cover value capped at 1.5 crore (Subjected to underwriting guidelines). Critical Illness Benefit (CI Benefit) is optional and is payable, on first occurrence of any of the 20 or 60 illnesses covered ( covers 20 illnesses/60 illnesses). Medical documents confirming diagnosis of critical illness needs to be submitted. The benefit is payable only on the fulfilment of the definition of the diagnosed critical illness. The CI Benefit, is an additional benefit which means the policy will continue with the life cover and other riders covers even after CI Benefit is paid. The future premiums payable under the policy will reduce proportionately. To know more in about CI Benefit, terms & conditions governing it, kindly refer to rider sales brochure. CI Benefit term would be equal to policy term or 20 years or (75-Age at entry), whichever is lower.

^D2Increasing income:This is one of the four death benefit payout options available. Under this option, the benefit amount is payable in monthly instalments for 10 years starting with 10% of the benefit amount per annum in the first year. The income amount will increase by 10% per annum simple interest every year thereafter. At the time of death claim approval and at any time after the start of monthly income, the beneficiary will have the option to convert the outstanding monthly income into lump sum pay out and the Policy will terminate after the lump sum payout. The lump sum amount will be the present value of future payouts calculated at a discount rate.

^D3Lump sum and income: This is one of the four available death benefit payout options. Under ‘Lump sum and income’, the Death Benefit will be paid as a combination of income and lump sum payout options. The percentage of the Death Benefit to be paid out as lump sum is chosen at inception. The balance Death Benefit will be paid out in equal monthly instalments in advance for income term of 10 years i.e. 0.83333% of death benefit will be payable as monthly in advance. . At the time of death claim approval and at any time after the start of monthly income, the beneficiary will have the option to convert the outstanding monthly income into lump sum pay out and the Policy will terminate after the lump sum payout. The lump sum amount will be the present value of future payouts calculated at a discount rate.

^!cMWPA: Nothing herein contained shall operate to destroy or impede the right of any creditor to be paid out of the proceeds of any policy of assurance, which may have been affected with intent to defraud creditors. In case of any third-party claim in the Courts of India with regards to the insurance proceeds, the amount shall be subject to the judiciary directions. Please seek professional legal advice for the applicability of this provision.

^D1Monthly income: This is one of the four available death benefit payout options. Under ‘Income’ option, a percentage of the benefit amount is payable every year throughout the income term of 10 years as chosen at policy inception. This will be paid in equal monthly instalments in advance at for income term of 10 years i.e. 0.83333% of death benefit will be payable as monthly in advance. At the time of death claim approval and at any time after the start of monthly income, the beneficiary will have the option to convert the outstanding monthly income into lump sum pay out and the Policy will terminate after the lump sum payout. The lump sum amount will be the present value of future payouts calculated at a discount rate.

^2aThe 1^st year online premium is ₹440 p.m. and has been approximately calculated for a 19-year-old healthy male life (occupation: salaried) with monthly mode of payment and premiums paid regularly for the policy term of 28 years with income payout with Life Cover of ₹1 crore. The premium amounts are exclusive of taxes.

¹Life cover is the benefit payable on the death of the Life Assured during the policy term.

^{^}Tax benefits are subject to conditions under Sections 80C, 80D, 10(10D), 115BAC and other provisions of the Income Tax Act, 1961. Goods and Services tax and Cesses, if any will be charged extra as per prevailing rates. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for more details.

⁵In the event of the death of the Life Assured and upon subsequent receipt of intimation of the death claim (with required supporting documents) by the Company, the Company shall pay an accelerated Death Benefit of Rs. 3,00,000/- (Rupees Three Lakhs only). Thiswill only be applicable where sum assured is greater than or equal to ₹1 crore and is not payable in case of death of the Life Assured during the first three Policy Years from the Date of Commencement of Risk or that from the Date of Revival of the policy whichever is later.. The immediate payout will be done within 1 working day from the Claim Registration Date, subject to submission of required documents. In case, after the evaluation or investigation of the claim records, it is found that the Death Benefit (including the applicable accelerated death benefit) is not payable to the Claimant owning to any reason whatsoever, the Claimant shall refund the entire amount paid towards accelerated Death Benefit within 7 days of receipt of communication. In case the policyholder has opted for a Death Benefit Payout Option whereby a part or the whole of the death benefit is payable in monthly instalments, this accelerated death benefit amount will be the lowest of:

• ● monthly income applicable in the first month as per the Death Benefit Payout Option chosen at policy inception
• ● amount payable as lumpsum (if Lumpsum and Income Option is chosen as Death Benefit Payout Option at policy inception), and
• ●₹ 3,00,000.

ICICI Pru iProtect Smart Plus UIN: 105N205V01 (A Non-Participating Non-Linked Life Individual Pure Risk Insurance Product)

ICICI Pru Non-Linked Health Protect Rider: UIN 105B049V01

ADVT: W/II/0638/2025-26

Comp code - COMP/DOC/Apr/2022/84/0030

Comp code (negative pincode) - COMP/DOC/Dec/2021/112/7011

Comp code (Did you know?) - COMP/DOC/Feb/2022/42/7340

Comp code (Did you know?) - COMP/DOC/Feb/2022/102/7387

Comp code (Medical Checkup) - COMP/DOC/Jun/2022/286/0671

Comp code - COMP/DOC/Sep/2022/59/1069

Comp code - COMP/DOC/Sep/2022/219/1161

Comp code - COMP/DOC/Aug/2023/18/3663

Comp code - COMP/DOC/Oct/2023/1310/4341

Comp code - COMP/DOC/Nov/2023/1511/4702

Comp code - COMP/DOC/Jan/2024/31/5112

Comp code (Employee discount) - COMP/DOC/Feb/2022/282/7498

© ICICI Prudential Life Insurance Co. Ltd. All rights reserved. Registered with Insurance Regulatory & Development Authority of India (IRDAI) as Life Insurance Company. Regn. No. 105. CIN: L66010MH2000PLC127837.
Reg. Off.: ICICI PruLife Towers, 1089 Appasaheb Marathe Marg, Prabhadevi, Mumbai 400025. Tel.: 40391600. Customer helpline number – 1800 2660 (Help us to serve you better by calling us from your registered mobile number). Timings – 10:00 A.M. to 7:00 P.M., Monday to Saturday (except national holidays). Member of the Life Insurance Council. For more details on the risk factors, term and conditions please read the product brochure carefully before concluding the sale. Trade Logo displayed above belongs to ICICI Bank Ltd & Prudential IP services Ltd and used by ICICI Prudential Life Insurance Company Ltd under license.