^^ The premium of ₹ 1025 per month has been calculated for a 29 year old healthy non-smoker male for a Critical illness cover of 25 lakh and for a policy term of 30 years under the ICICI Pru Smart Health. This premium is inclusive of all taxes. The annual premium is ₹ 11,997 (inclusive of all taxes). Premium amount will differ according to the benefit option chosen.
`` The premium rate mentioned is for your current age, term selected and the sum assured chosen and are inclusive of Tax.
^ The critical illness benefit is an accelerated benefit and the death benefit will be reduced by the critical illness cover paid to the policyholder. The future premiums payable for the residual CI Benefit will reduce proportionately. In case the CI Benefit equal to the Death Benefit, the policy will terminate on payment of the CI Benefit. Only doctor’s certificate confirming diagnosis needs to be submitted. On payment of Angioplasty, if the CI Benefit is more than Rs. 5,00,000 the policy will continue for other CIs with CI Benefit reduced by Angioplasty payout. To know more about the illnesses covered, please refer to the Sales brochure. Critical Illness Benefit is optional and available under Life and Health and All in One options.
The payout method chosen under this plan is lumpsum, however the customer has the choice of choosing other payout methods like Income, Increasing income and lump sum plus income.
~ Tax benefit of Rs 54,600(Rs 46,800 u/s 80C and Rs 7,800 u/s 80D) is calculated at highest tax slab rate of 31.2% (including Cess excluding surcharge) on insurance premium u/s 80C of Rs 1,50,000 and health premium u/s 80D of Rs 25,000. Tax benefits under the policy are subject to conditions under Sec. 80C, 80D and Sec 10(10D) of the Income Tax Act, 1961. Applicable taxes will be charged extra as per prevailing rates. Tax laws are subject to amendments from time to time.
* As per company buy online data
# Total cost of cancer treatment of Rs. 23 Lakh is calculated as: 1. Chemotherapy per cycle^1 = Rs. 63,000 – Rs. 1,90,500 2. Targeted therapy of 5-6 sessions^2 = Rs 20 Lakh 3. PET-CT Scan^1 = Rs. 19,050 – Rs 28,575 http://www.medgurus.org/cost-of-Cancer-treatment-in-india/ http://www.indiahealthcaretourism.com/average_cost_of_treatment.php
** This is subject to realization of payment and documents
ICICI Prudential Life Insurance Company Limited. IRDAI Regn No. 105. CIN: L66010MH2000PLC127837
© 2016, ICICI Prudential Life Insurance Company Limited. Registered Address:- ICICI PruLife Towers, 1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai-400025. For more details on the risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. Call us on 1-860-266-7766 (10am-7pm, Monday to Saturday, except national holidays and valid only for calls made from India). For enquires related to new policies purchased online, please call us on 1-860-266-7766 and select option 4 on our Interactive Voice System. Trade Logo displayed above belongs to ICICI Bank Ltd & Prudential IP services Ltd and used by ICICI Prudential Life Insurance Company Ltd under license. Tax benefits under the policy are subject to conditions under Sec. 80C, 80D and Sec 10(10D) of the Income Tax Act, 1961. Applicable taxes will be charged extra as per prevailing rates. Tax laws are subject to amendments from time to time. UIN:105N151V03. Advt. No.: W/II/2034/2017-18
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Critical illness cover^
(Life cover)Policy term
How Does the product work
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Anil, 32 Years old, Product Manager
While he wants a term insurance to ensure that his family’s future is always secure, he also wants a critical illness benefit to cover the high medical treatment costs that come with a critical illness.
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Priya, 35 Year old, Project manager
She wants to ensure that her husband and 3 year old daughter have a secure financial future even in case of her untimely death. She chooses the Lump sum + Regular Income payout option.
How Does the product work
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Priya, 35 Year old, Project manager
She wants to ensure that her husband and 3 year old daughter have a secure financial future even in case of her untimely death. She chooses the Lump sum + Regular Income payout option.
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Pooja, 32 Years old, Senior Software Engineer
While She wants a term insurance to ensure that her family’s future is always secure, she also wants a critical illness benefit to cover the high medical treatment costs that come with a critical illness especially cancer.
How Does the product work
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Anil, 32 Year old, Project Manager
While he wants a term insurance to ensure that his family’s future is always secure, he also wants a critical illness benefit to cover the high medical treatment costs that come with a critical illness.
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Amit, 35 Year old, Senior Software Engineer
He wants to ensure that his wife and 3 year old daughter have a secure financial future even in case of his untimely death. He chooses ICICI Pru iProtect Smart. He chooses the Lump sum + Regular Income payout option
