ICICI Pru Group Non-Linked
Accidental Death and
Disability Rider

Frequently asked questions

• How many members can be covered in the ICICI Pru Group Non-Linked Accidental Death and Disability Rider?

  All the members covered in a base group plan can be covered in the rider, given that the company opts in.

• Can the company choose a minimum sum assured with the ICICI Pru Group Non-Linked Accidental Death and Disability Rider?

  Yes, a minimum Sum Assured of ₹ 10,000 can be chosen. However, the group policyholder can further increase or decrease the sum assured using the Sum Assured Reset Benefit at any time during the policy term.

• What happens if the company chooses to discontinue the accidental rider plan?

  Group members get an option to continue the ICICI Pru Group Non-Linked Accidental Death and Disability Rider till the end of the coverage term, provided the premium for the rider is paid and the base policy remains in force.

• What are the death and disability benefits under the ICICI Pru Group Non-Linked Accidental Death and Disability Rider?

  There are two rider options under the ICICI Pru Group Non-Linked Accidental Death and Disability Rider:

  • Accidental Death Benefit (ADB):

    This benefit applies if the employee covered passes away due to an accident (which occurs within the coverage term), provided the death occurs within 180 days from the date of accident.

  • Accidental Total and Permanent Disability (ATPD) Benefit:

    This applies if the employee covered is totally, continuously, or permanently disabled in an unfortunate accident that took place within the coverage term.

• When can employees, their heirs, or nominees claim the benefits of the ICICI Pru Group Non-Linked Accidental Death and Disability Rider?

  The sum assured for the Accidental Death Benefit (ADB) and the Accidental Total and Permanent Disability (ATPD) Benefit can be claimed only if the death/disability occurs within 180 days from the date of the accident and the rider is in force on the date of the accident.