ICICI Pru Group Non-Linked
Critical Illness Rider
Covers up to 33 critical illnesses
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Opt in at the start or renewal of the base policy
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Option to accelerate the base cover on diagnosis of enlisted Critical Illnesses (CI)
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Flexibility to pay one-time, annual, semi-annual, quarterly, or monthly premiums
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Avail of the tax benefits^ as per prevailing laws
Why choose ICICI Pru Group Non-Linked Critical Illness Rider
Why choose ICICI Pru Group Non-Linked Critical Illness Rider
Option to choose from accelerated or additional CI cover
Provides cover against major illnesses like Cancer, Heart attack, stroke etc1.
Flexibility to choose from four CI packages
Option to increase/decrease Sum Assured benefit during the term of the rider policy
1Subject to T&C, for more details please refer the product brochure
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Why choose ICICI Prudential Life?
Total inforce policies#
7,480
as on 30th September 2025
Number of lives covered
71,32,342**
Over
2 decades
of expertise in Employee Benefits
Claim Settlement Ratio
99.43%*
Claims settlement TAT
1.21 days*
Claims settled
2,265*
Group Sum Assured
₹13,549.97 Bn
#Count of employer-employee policies
** Total number of lives covered under employer-employee inforce policies
*Data for current financial year as on 30th September’2025
Source – Quarterly IRDAI public disclosures. Please refer to Public Disclosure section on ICICI Prudential website for more details
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Frequently asked questions
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Employees of which age group can be added to the ICICI Pru Group Non-Linked Critical Illness Rider?
Companies can provide a critical illness rider to employees between the ages of 18 and 69, covered under a base policy.
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What are the packages offered under the ICICI Pru Group Non-Linked Critical Illness Rider?
ICICI Pru Group Non-Linked Critical Illness Rider offers four packages:
- Basic – Covers 4 Critical illnesses
- Essential – Covers 7 Critical illnesses
- Classic – Covers 19 Critical illnesses
- Comprehensive – Covers 33 Critical illnesses
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What are the benefit options under the ICICI Pru Group Non-Linked Critical Illness Rider?
There are two options under the rider:
- Accelerated Critical Illness (ACI) Benefit Option
The member will get a lump sum payout of the ACI sum assured on confirmatory diagnosis of the covered Critical Illness, and this payout will be adjusted against the base sum assured.
- Additional Critical Illness Benefit Option
The member will get a lump sum payout of the Additional Critical Illness Benefit sum assured on confirmatory diagnosis of the covered Critical Illness. Here, the Base Sum Assured under the Base Member Policy remains unchanged.
- Accelerated Critical Illness (ACI) Benefit Option
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How can the beneficiary (member/nominee/legal heir) claim the benefits under the ICICI Pru Group Non-Linked Critical Illness Rider?
The member, nominee, or legal heir to whom the benefits are payable must submit a completed claims form along with detailed medical reports of the policyholder. Claimants may be asked to furnish additional documents in case additional information is needed.
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What happens if the company surrenders the critical illness rider?
In the case the corporate surrenders the rider, policy members are given the option to continue its cover till the coverage term for which the premium is paid.
Disclaimer
- Under this rider , if the Member whose life is covered is diagnose within the Coverage term with any one of the critical illnesses covered based on the package chosen , then the sum assured depending on the benefit option and plan chosen will be paid out as a lump sum to the person specified in the policy and , provided the benefit option is in-force at the time of the diagnosis of critical Illness.
- There are four package options. For more details please refer the policy document.
- Any one of the two-benefit option can be chosen:
Accelerated Critical Illness (ACI)benefit option: Under this Benefit Option, upon confirmatory diagnosis of any of the covered Critical Illness, the Accelerated Critical Illness Sum Assured of the Member prevailing at the time of diagnosis will be paid to the Claimant provided the Rider is in force. Upon payment of the Accelerated Critical Illness Sum Assured to the Claimant by the Company, the Rider shall terminate for the Member.
i. If ACI Sum Assured is less than the Base Sum Assured then the Member Base Policy will continue with Base Sum Assured reduced to the extent of ACI Sum Assured payout.
ii. If ACI Sum Assured is equal to the Base Sum Assured then the Member Base Policy as well as this Member Rider will terminate upon payment of this benefit.
Additional Critical Illness benefit option: Under this Benefit Option, upon confirmatory diagnosis of any of the covered Critical Illness, the Additional Critical Illness Sum Assured of the Member prevailing at the time of diagnosis will be paid to the Claimant, provided the Rider is in force. Upon payment of the Additional Critical Illness Sum Assured to the Claimant by the Company, the Rider shall terminate for the Member and the Base Sum Assured under the Base Member Policy remains unchanged. - ^Tax benefits may be available as per prevailing tax laws. Tax benefits under the policy are subject to conditions under 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. Please consult your tax advisor for more details.
- ICICI Pru Non-Linked Critical Illness Rider - UIN:
- ADVT: W/II/1262/2025-26
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