Boost the protection of your Unit Linked Insurance Plans with ICICI Pru Unit Linked Accidental Death Rider

Rider at a glance

At what age can I avail this rider? The minimum age at which you can avail this rider is 18 years and the maximum is 55 years.
For how long do I have to pay the premiums for this rider? You need to pay the premiums for the outstanding policy term of your base policy^
How long does my policy last? Your policy term is same as your base policy#
How much money will my family receive under this rider? Your Rider Sum Assured is equal to the Sum Assured* under your base policy##
*Sum Assured is the fixed minimum amount your family will receive in your absence. Rider Sum Assured is the amount paid over your Sum Assured in case of accidental death
^Base Policy is the initial standalone insurance plan. You can add riders on your base policy to increase its coverage and benefits
#Subject to maximum cover ceasing age of 65 years
##Subject to a maximum of `50 lakh

Death Benefit under ICICI Pru Unit Linked Accidental Death Benefit Rider

In the unfortunate event of an accidental death during the term of the Accidental Death Rider, the Rider Sum Assured will be paid to your nominee@ in addition to the Sum Assured of your base policy.

@Nominee is the person you appoint at the time of purchase for receiving the benefits of your insurance policy in your absence.

ICICI Pru Accidental Death Benefit Rider charges

  • The charge for this rider is deducted by cancellation of units on a monthly basis
  • The charge is independent of age and is `45 per annum for every `1 lakh of Rider Sum Assured
  • This charge will not increase for the term of the policy

How ICICI Pru Accidental Death Benefit Rider works:

  • Select any one of our Unit Linked Insurance Plans that you wish to purchase - ICICI Pru Smart Life, ICICI Pru Wealth Builder II, ICICI Pru Elite Life II or ICICI Pru Elite Wealth II. This will act as a base policy
  • Attach the Unit Linked Accidental Death Rider to your base policy from the beginning at the time of purchase or at any other policy anniversary thereafter**
    For example, if you bought your base policy on June 4, 2014, and decide to buy the Accidental Death Benefit Rider after 2 years, then you can purchase the rider on your policy anniversary, on June 4, 2016.
  • Enjoy the additional Life Cover throughout the policy term of the base policy

**Subject to the age restrictions mentioned above

Read answers to commonly asked questions about riders



Stay up-to-date on policy details and benefits

Make sure that you completely understand the ICICI Pru Unit Linked Accidental Death Rider and all its benefits by reading our product brochure



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