Dedicated claims assistance for families affected by floods. Click here for list of nodal officers. 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`
Complete protection for your family through
our award winning' term plan ICICI Pru iProtect Smart
Tell us about yourself to customize your plan. I am:

    Option to change nominee later. Save tax up to ₹54,600`

    Married without kids

    Full claim payout on diagnosis of 34 critical illnesses^. Option to increase life cover at the time of 1st & 2nd child birth, without any medicals

    Married with kid

    Full claim payout on diagnosis of 34 critical illnesses^. You can choose how your family will get the life cover amount - as lump sum and/or monthly income

    Working woman

    Special rates for women. Full claim payout on diagnosis of 34 critical illnesses^

    Self employed

    MWPA – Protection against wrongful claims. Additional payout up to Rs. 2 Crore in case of death due to accident^^

    Paying off a loan

    Large sum assured to cover your loan amount Full claim payout on diagnosis of 34 critical illnesses^ which can be used to pay your EMIs

*Day 1 is counted from the day of receiving the last document. All due premiums in the policy must have been paid and the policy must have been active for a continuous period of 3 years. Mandatory document to be submitted at Branch Office before 3pm on a working day- Original policy certificate, copy of death certificate by local authority, 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, Panchanama, Inquest report, Driving license. Claim documents submitted prior to 3pm will be considered for ULIP policies. Interest will be paid on claim amount for every day of delay beyond 1 working day. Applicable only for non-investigative death claims. 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. W/II/0379/2019-20

Future Perfect

ICICI Pru Signature - a savings and protection oriented unit linked insurance plan, designed for the preferred customer like you.


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.

'ICICI Pru iProtect Smart won Product of the Year award in 2019 in life insurance category in a survey of over 2800 people by Nielsen across categories

^^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.

1The company will allocate extra units to your ULIP policy provided all due premiums have been paid. To know more in detail, kindly refer to sales brochure of the respective products.

2Tax benefits under the policy are subject to conditions under Section 80C, 10(10D) and other provisions of the Income Tax Act, 1961. Goods and Services Tax and Cesses, if any will be charged extra by the redemption of units, as per applicable rates. Tax laws are subject to amendments from time to time.

*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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