You can pay your policy premiums through any of the convenient options mentioned below:

• Online: Click here to pay your premium through net banking, UPI, debit card, credit card & e-wallets.
• Cheque: You can drop your policy premium cheque at any ICICI Prudential branches and a few banks. Click here for the list of banks where cheque payments are accepted. Click here for the list of drop boxes.
• Cash: You can pay policy premiums in cash up to ` 49,999/- at any of our authorised collection centres. Click here for the list.

You can automatically pay your future premiums with your credit/debit card using the auto-pay facility. To set or modify auto-pay on your credit/debit card click here.

Watch a video to know about how you can pay premium easily:

To view or download your premium receipt, click here and enter your policy number and date of birth.

You can also get your premium receipt through any of these options:

• Online Account: Log in to your online account and follow these steps:

1. 1. Once you log in, click on the 'Statements' tab
2. 2. Under the 'Statements' tab, click on 'Premium Receipt’ and select your policy number.

• Call Us: You can call us on (Help us to serve you better by calling us from your registered mobile number)from Monday to Saturday, between 10:00 am to 7:00 pm and we will accept your request on-call after verifying your policy details. NRI customers can call us on
  +91 80693 85555
• Our Branches: You can request for your premium paid certificate at any of our branches. To locate the nearest branch, click here.
• You can "Click here" to Write to us.

To view or download your tax/premium paid certificate, click here and enter your policy number and date of birth.

You can also get your tax/premium paid certificate through any of these options:

• Online Account: Login to your online account and follow these steps:

1. 1. Once you log in, click on the 'Statements' tab.
2. 2. Under the 'Statements' tab, click on the 'Tax/Premium Paid Certificate’ and select your policy number.

• Call Us: You can call us on (Help us to serve you better by calling us from your registered mobile number) from Monday to Saturday, between 10:00 am to 7:00 pm, and we will accept your request on-call after verifying your policy details. NRI customers can call us on
  +9180693 85555
• Our Branches: You can request for your tax/premium paid certificate at any of our branches. To locate the nearest branch, click here.
• You can "Click here" to Write to us.

Auto Debit ensures your premium is paid on time, every time. It ensures that you never miss a premium payment and your policy benefits continue, uninterrupted. It’s a paperless and hassle-free service that ensures that you don’t have to set a reminder for premium payments again.

There are several different ways in which you can set up an automated debit facility. These include Auto Debit via credit card/debit card or Net Banking or UPI.

You can register for auto debit in 3 simple steps:

• Visit the ‘Customer Services’ page on www.icicipulife.com
• Click on auto debit, login to your account
• Select your policy/policies, choose your preferred mode of Standing instruction and click pay

Watch the below video for any help on how to set auto debit:

• How do I make an insurance premium payment online?

Below are the steps to make your insurance premium payment online:

Step 1 – Visit the online premium payment page on our website

Step 2 – Enter your policy number, registered mobile number or your email id and your date of birth

Step 3 – Make the payment through a debit card, credit card, net banking, UPI, or mobile wallet

Step 4 – Download your premium payment receipt and keep it for future reference

• Can I divide my payment into multiple instalments?

With ICICI Prudential Life, you have the flexibility to pay your premiums yearly, half-yearly, monthly or quarterly depending on your plan. You can choose the premium frequency option that suits you while buying the policy.

• How will I get to know that my payment has been received by ICICI Prudential Life?

Once you make your online insurance premium payment, a receipt for your payment will be generated. You can download this receipt and keep it with you as proof that you have paid the premium amount. You will also receive a text message on your registered mobile number and email ID, confirming payment of the policy premium. In case of any doubts or complaints, you can contact the customer care number (Help us to serve you better by calling us from your registered mobile number) from Monday to Saturday 10:00 am to 7:00 pm.

• How do I get a copy of my premium receipt online?

On successful payment, the premium payment receipt will be sent to your registered email ID. You can also download your premium payment receipt online by following the steps below:

Step 1 – Visit the “View/Download Premium Receipt” page on our website

Step 2 – Enter your policy number or your registered mobile number and date of birth

Step 3 – Click on “Proceed” to view and download your premium receipts Alternately, you can log into your account on our website and click on the “View/Download Premium Receipt”
option under the “Statements” tab to view your premium receipts online.
Please note that it may take 1-2 days to generate the premium receipt online

• How do I get a copy of my tax/premium payment certificate online?

Below are the steps to view and download a copy of your tax/premium payment certificate online:

Step 1 – Visit the “View/Download Tax/Premium Paid certificate” page on our website

Step 2 – Enter your policy number or your registered mobile number and your date of birth

Step 3 – Click on “Proceed” to view and download your tax/premium paid certificate

You can also log into your account on our website and click on the “Tax/Premium Paid Certificate” option under the “Statements” tab to download your tax/premium payment certificate online.

• What is a Policy Insurance refund?

An insurance refund occurs when the insurance company returns a portion of the premiums paid by the policyholder under specific circumstances, such as policy cancellation, excess premium payment, or policy adjustment, due to a change in life cover, premium amount and so on. If you have accidentally overpaid your insurance premium or made a double payment, you will be eligible for a refund of the excess amount. If you have a monthly premium payment frequency, then the premium may get adjusted towards payment of your next premium. In the case of the annual payment mode, it will be refunded within 40 days.

• What is the process for getting a refund of the premium amount which has been paid twice or when an excess premium has been paid?

If your policy is still in the premium payment stage and is on monthly, quarterly or half-yearly payment frequency, the excess premium paid will get adjusted with the next premium instalment (only if the next premium is due in the current financial year). In case you have an auto debit setup for payment, the premium will not get deducted from your account in the following month for the said amount. If you pay premiums on a yearly payment frequency, the amount will be refunded automatically in the same account through which the payment was made within 40 days.

• What is the process to get a refund for a policy which has not been revived?

For policy revival, the policyholder is required to pay an additional premium and complete requirements such as submission of health declaration, completion of medical tests or any additional documents that may be required to reinstate the policy. If the requirements are not completed by the policyholder within 90 days of the date on which the last payment was received then the premium paid will automatically get refunded to the same bank account/card account from which the payment was received.

• How do I request for an immediate premium refund?

You can request for an immediate premium refund with the following documents:

Documents required:

• Written request or email requesting for a refund of the premium paid
• Copy of cancelled cheque (with name pre-printed) or last 3 months updated Bank Statement/passbook of bank account in which you wish to receive your payout
  Please carry a copy of valid photo identity proof, if visiting the branch. (Any 1 Passport, Aadhar with the 8 digits masked), Driving License, Voter ID card and Job card issued by NREGA)

Documents can be submitted through the following options:

• Email - Email to lifeline@iciciprulife.com from your registered email id
• Visit a branch - Submit the documents at the nearest ICICI Prudential Life branch. Click here to locate the nearest branch
  Refund will be processed within 15 days of receiving all the documents. For any assistance, please call (Help us to serve you better by calling us from your registered mobile number)

Please note:

• NRI customers wanting payment in an NRE account will have to submit the proof of premium payment made from the NRE bank account (bank statement of NRE bank account)
• Name pre-printed on the cancelled cheque of the bank account should match the name of the policyholder mentioned in the policy document.

• Which transactions and payment modes are subject to payment gateway charges?

Payment gateway charges apply only to renewal premium payments made using credit cards. Other payment methods like Net-banking, UPI, and Debit Cards are not subject to these charges.

• What is the payment gateway charge for renewing my premium through a credit card?

For domestic credit cards, a charge of up to 1.25% of the transaction amount plus applicable taxes will be levied. For international credit cards, the charge ranges from 2% to 2.30% plus applicable taxes.

• Why am I being charged a payment gateway fee?

The payment gateway fee is a processing charge imposed by the payment gateway service provider for facilitating online transactions through credit cards. This fee covers the cost of secure transaction processing and fraud prevention.

• Can I avoid paying the payment gateway charge?

Yes, you can avoid the payment gateway charge by choosing alternative payment methods such as Net-banking, UPI, or Debit Card. These methods do not incur the same processing fees as credit card transactions.

• How is the payment gateway charge calculated?

The charge is calculated as a percentage of the transaction amount. For domestic credit cards, it is up to 1.25% plus applicable taxes. For international credit cards, it ranges from 2% to 2.30% plus applicable taxes. The exact amount will depend on the total transaction value.

• What will be the actual payment gateway charges on my premium?

The exact payment gateway charges, including applicable taxes, will be displayed on the payment page when you initiate the renewal premium payment. This ensures transparency and allows you to see the total cost before completing the transaction.

• Will I receive a refund of the payment gateway charge if I cancel my policy?

No, the payment gateway charge is non-refundable. This fee is charged by the payment gateway service provider for processing the transaction and cannot be refunded even if the policy is cancelled.

• Can I pay the payment gateway charge separately?

No, the payment gateway charge will be automatically deducted from your credit card at the time of the renewal premium payment. It is included in the total transaction amount.

• Which amount will be mentioned on the premium receipt or acknowledgement from ICICI Prudential Life Insurance?

The premium receipt or acknowledgement from ICICI Prudential Life Insurance will only mention the premium amount. The payment gateway charge will not be included in the receipt as it is a separate processing fee.

• Is the payment gateway charge applicable for all credit cards?

Yes, the payment gateway charge applies to all credit card transactions, regardless of the card issuer or network (for example, Visa, MasterCard, American Express).

• Can I select the payment gateway for my transaction?

No, the payment gateway is selected automatically by a smart routing engine that chooses the gateway with the highest success rate at the time of the transaction. This ensures a smooth and successful payment process.

• Can I pay my renewal premium without paying the payment gateway charge?

No, if you choose to pay using a credit card, the payment gateway charge is mandatory. However, you can avoid this charge by using other payment methods like Net-banking, UPI, or Debit Card.

• How will the payment gateway charge be reflected in my policy documents?

The payment gateway charge is collected by the payment gateway service provider and will not be reflected in your policy documents or in ICICI Prudential Life’s systems. It is a separate fee for processing the transaction.

• Will the payment gateway charges be the same for all customers or cards?

No, the payment gateway charges may vary based on factors such as the premium amount, the card network (e.g., Visa, MasterCard), and the payment gateway used. The exact charge will be displayed during the payment process.

• Can I use multiple credit cards to pay my renewal premium and avoid the payment gateway charge?

No, the payment gateway charge plus applicable taxes will be levied on each credit card transaction. Using multiple credit cards will not help you avoid the charge.

• Is the payment gateway charge applicable for international credit cards?

Yes, the payment gateway charge applies to all credit card transactions, including those made with international credit cards. The charge for international cards ranges from 2% to 2.30% plus applicable taxes.

• Can I claim the payment gateway charge as a tax deduction?

Please consult your tax advisor to determine if the payment gateway charge is tax-deductible. Tax laws vary, and a professional can provide guidance based on your specific situation.

• Is the payment gateway charge applicable for credit card payments made through a mobile app?

Yes, the payment gateway charge applies to all renewal premium payments made through credit cards, including those made via mobile apps.