Dedicated claims assistance for families affected by floods. Click here for more information


Kerala Flood Cess @ 1% is applicable with effect from August 01, 2019 for Kerala customers.

Life insurance

is the ultimate promise of protection that you can give to your loved ones.
It provides a tax-free payout to your beneficiaries in case of your death so that your family is financially protected in your absence.

  • ICICI Pru iProtect Smart
    • Get up to `1 crore on first diagnosis of 34 critical illnesses (optional)^
    • Get accidental death cover upto `2 crore (optional)^^
    • Pay for limited period and get cover till age 99 yrs
  • ICICI Pru Heart & Cancer
    • Get claim amount on diagnosis++
    • Waiver of future premium on diagnosis of cancer or heart ailments for the rest of the policy term
    • Tax benefits under Section 80D`

You can depend on us

We are committed towards fulfilment of our promise to you and your family. We are happy to share that Our claim settlement ratio is 98.6% for FY2018-19 (as per ICICI Prudential Life Insurance Annual Report FY2018-19).

At ICICI Prudential Life, we believe that every claim represents fulfilment of a promise made to our policyholders. We are committed towards securing the future of your loved ones, in a manner that’s quick and efficient. Accessibility, sensitivity and efficiency are the values that drive our claims philosophy.

Read our Claims Process



ICICI Pru iProtect Smart
One of the simplest ways to create an inheritance for your family
Get life cover till age 99 years



Future Perfect

ICICI Pru Future Perfect has opportunity to create wealth, protect your investment and secure your loved ones in your absence.


Bonus Declared

The bonus declared on our money back plans add to your savings and help you grow your money faster and achieve your dreams.






ICICI Pru iProtect Smart:

^Critical Illness Benefit is optional and available under Life and Health and All in One options. This benefit is payable, on first occurrence of any of the 34 illnesses covered. The CI Benefit, is accelerated and not an additional benefit which means the policy will continue with the Death Benefit reduced by the extent of the CI Benefit paid. The future premiums payable under the policy will reduce proportionately. If CI Benefit paid is equal to the Death Benefit, the policy will terminate on payment of the CI Benefit. To know more in detail about CI Benefit, terms & conditions governing it, kindly refer to sales brochure. Critical Illness benefit is available till age of 75.

^^Available only under Life Plus and All in One option. Maximum amount that can be availed is `2 Crore and will be paid as a lump sum.

++ A lump sum is paid out on diagnosis of any of the listed conditions. This payout is based on the level of the condition. In any case, the total payout in the policy cannot exceed 100% of the Sum Assured of the cover selected. Please refer to the sales brochure to know about the payouts at different level of condition

`Tax benefits under the respective policies are subject to conditions under Section 80C, 80D, 10(10D) and 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.

+ The Policyholder can have funds in only one of the Portfolio Strategies.

# Excluding taxes and Top-up Premium Allocation Charges.

UIN details: ICICI Pru iProtect Smart - 105N151V04. ICICI Pru Heart Cancer Protect - 105N154V01. ICICI Pru SmartLife - 105L145V03. ICICI Pru LifeTime Classic - 105L155V02.

*Claim statistics are for FY 2018-19 and is computed basis individual claims settled over total individual claims for the financial year. For details, refer to Public Disclosures in our Website. W/II/3484/2018-19. 

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