Buy Life Insurance Policy Online - FAQs

Buying a life insurance policy is very simple when you purchase it online. The complete buying process is completed in just 10 minutes. Just follow the simple steps mentioned as follows:

Step 1: Select a plan you want to buy. Details of our plans which can be bought online are mentioned below:

Product Name
Our plans that offer Life Cover`
Term Life Insurance ICICI Pru iProtect Smart Check Premium Know More
ULIP ICICI Pru Signature Check Returns Know More
ULIP ICICI Pru LifeTime Classic Check Returns Know More
ULIP ICICI Pru SmartLife Check Returns Know More
Savings Plan ICICI Pru Guaranteed Income For Tomorrow Check Returns Know More
Savings Plan ICICI Pru Assured Savings Insurance Plan Check Returns Know More
Money-Back Policy ICICI Pru Cash Advantage Check Returns Know More
Endowment Policy ICICI Pru Future Perfect Check Returns Know More
Health Insurance ICICI Pru Heart/Cancer Protect Check Premium Know More
Our plans without Life Cover
Pension Plan ICICI Pru Guaranteed Pension Plan-Deferred Annuity Check Premium Know More
Pension Plan ICICI Pru Guaranteed Pension Plan-Immediate Annuity Check Premium Know More

Step 2: Once you have selected a plan – click on Buy Now to calculate your premium or to Check Returns.

Step 3: Complete the application form by answering some simple questions about your personal life, professional life and health details.

Step 4: Review the form and make payment.

^T&C Apply

Frequently asked questions about the application form

Please enter your middle name in the Full Name field. Please ensure that the details entered by you in this field matches your ID proof.
We periodically update the organisation's name list. If the name of your organisation is not mentioned, please select “Others” from the dropdown and enter the name of your organisation.
No worries! You may either look it up on the internet or select your organisation type to the best of your knowledge.

For the annual income field, enter the amount that is mentioned in your income proof

Please include a bonus only if it is part of your salary slip. If the bonus is variable in nature then don’t include it as part of your income

If you are a self-employed individual please only enter the Net Profit earned through your business income in the last 1 year. (DO NOT include income earned through rent or any interest earned from other investments)

The following KYC documents are required:

  1. PAN/Form 60 (mandatory)
  2. Officially valid document (any one from the list mentioned below)
  3. One recent photograph

List of officially valid documents:

  1. Passport
  2. Driving License
  3. Voter's Identity Card issued by the Election Commission of India
  4. Job Card issued by the National Rural Employment Guarantee Act, 2005 (NREGA) duly signed by an officer of the State Government
  5. Letter issued by the National Population Register containing details of name, address or any other document as notified by the Central Government in consultation with the Regulator
  6. Proof of possession of Aadhaar (to be taken in masked/redacted form/blackout version to be taken from clients

If you are our existing customer, all the previous information is pre-filled except the health questions, education, occupational details and a few other details.

If you have an account with ICICI Bank, based on your bank account number most of the questions on your form would be pre-filled.

The proposal will be accepted subject to the following:

  1. All KYC documents are submitted and verified by ICICI Prudential.
  2. Medical tests, if any, are completed by the customer.
  3. Any other requirement, post verification of documents and medical reports, if any, to be fulfiled by the customer.
  4. Realisation of the complete payment amount.

Our process of medical examination is very simple. Immediately after making the payment, based on your PIN code, you will be eligible either for a home visit or for a centre visit.

Home visit: If you have selected this option, you can choose the date and time of the examination as per your convenience.

Medical centre visit: If the home visit option is not available for your location or in case of tests that require a medical centre visit like X-ray, TMT (Treadmill test), and more. You can choose the date, time and centre of the examination as per your convenience.

  • Tip: The company would bear the cost of the medical exam.
  • Tip: In case fasting is required for your medical tests, you will be informed about the same beforehand
  • Tip: You can also get your medical test report at a request.

    Example: If you have a medical appointment scheduled the next day (Saturday) at 9:00 am, please have your last meal latest by 9:00 pm the previous day (Friday).

There are 3 major legs to the policy issuance process:

  1. Submitting documents
  2. Undergoing Medicals
  3. Closing additional requirements (if any) to issue the policy

Submitting documents

You need to submit KYC documents i.e. your age proof, address proof, ID proof, Photograph, PAN Card and relevant income proof.

It is very important that you provide accurate details while filling up the application form.


Based on your profile you may either be eligible for a Tele Medical or a Physical medical.

Our team will be in touch with you and assist you in scheduling your Tele medical/Physical medical.

For Physical medical, you will be informed whether it would be a home visit or if you may have to visit a diagnostic centre near your place of residence.

Additional requirements

In case during evaluation our team of experts come up with certain findings which need additional information/documents from you, we will notify you of the same.

The quicker you fulfil all the requirements and complete the necessary steps the quicker will be the issuance of your policy.

To cancel your application even before the policy is issued, you can email us at

Please note that if the policy is in the proposal stage for 45 days after payment, cancellation is triggered from our side. An email stating the same is sent to the customer.


~ Guaranteed benefits are payable subject to all due premiums being paid and the policy being in force on the date of maturity.

` Life Cover is the benefit payable on the death of the life assured.

ICICI Pru iProtect Smart UIN: , ICICI Pru Signature UIN: , ICICI Pru Life Time Classic UIN: , ICICI Pru Smart Life UIN: , ICICI Pru Guaranteed Income For Tomorrow UIN: (A Non-Linked Non-Participating Life Individual Savings Product), ICICI Pru Assured Savings Insurance Plan UIN: ,  ICICI Pru Guaranteed Pension I13 & I14 UIN: , ICICI Pru Guaranteed Pension Plan-Immediate Annuity UIN: , ICICI Pru Cash Advantage UIN: , ICICI Pru Future Perfect UIN: , ICICI Pru Heart/Cancer Protect UIN:

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