ICICI Pru iProtect Smart
*Accelerated Critical Illness Benefit (ACI Benefit) is up to Rs.1 Crore (Subjected to underwriting guidelines). Accelerated Critical Illness Benefit (ACI Benefit) is optional and available under Life & Health and All in One options. This benefit is payable, on first occurrence of any of the 34 illnesses covered. Medical documents confirming diagnosis of critical illness needs to be submitted. The benefit is payable only on the fulfillment of the definition of the diagnosed critical illness. The ACI Benefit, is accelerated and not an additional benefit which means the policy will continue with the Death Benefit reduced by the extent of the ACI Benefit paid. The future premiums payable under the policy will reduce proportionately. If ACI Benefit paid is equal to the Death Benefit, the policy will terminate on payment of the ACI Benefit. To know more in detail about ACI Benefit, terms & conditions governing it, kindly refer to sales brochure. ACI Benefit term would be equal to policy term or 30 years or (75-Age at entry), whichever is lower.
**Accidental Death benefit (ADB) is up to Rs. 2 Crores(Subjected to Underwriting guidelines). ADB is available in Life Plus and All in One options. In case of death due to an accident Accidental Death Benefit will be paid out in addition to Death Benefit. Accidental Death Benefit term will be equal to the policy term or (80-Age at entry), whichever is lower.
^Tax benefit of `54,600 (`46,800 u/s 80C & `7,800 u/s 80D) is calculated at highest tax slab rate of 31.2% (including Cess excluding surcharge) on life insurance premium u/s 80C of `1,50,000 and health premium u/s 80D of `25,000. Tax benefits under the policy are subject to conditions under Section 80C, 80D, 10(10D) and other 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 details, before acting on above. ICICI Pru iProtect Smart UIN .

ICICI Pru Saral Jeevan Bima
¹Life Cover is the benefit payable on death of the life assured.
²Statutory Taxes, if any, imposed on such insurance plans by the Government of India or any other constitutional tax Authority of India shall be as per the Tax laws and the rate of tax as applicable from time to time. The amount of applicable taxes as per the prevailing rates, shall be payable by You on premiums (for base policy and rider, if any) including extra amount if charged under the policy due to underwriting decisions, which shall be collected separately over and above in addition to the premiums payable by the policyholder. The amount of tax paid shall not be considered for the calculation of benefits payable under the plan. Tax benefits, if any, would may be as per the prevailing provisions of the tax laws in India. The Policyholder or the nominee shall be liable for compliance of applicable tax provisions. ICICI Pru Saral Jeevan Bima UIN .

ICICI Pru iCare II
^Tax benefits under the policy are subject to conditions u/s 80C, 80D and 10(10D) of the Income Tax Act, 1961. Service tax and applicable cesses will be charged extra as per applicable rates. Tax laws are subject to amendments from time to time. ICICI Pru iCare II UIN

ICICI Pru Precious Life
*Subject to the age boundaries and Company’s underwriting policy.
**Accidental Death Benefit (ADB) is available in Life Plus option. In case of death due to an accident ADB will be paid out in addition to Death Benefit. To know more about definitions, terms & conditions applicable for Accidental Death Benefit, kindly refer sales brochure of ICICI Pru Precious Life. ICICI Pru Precious Life UIN : .

ICICI Pru Life Raksha
^Tax benefits under the policy are subject to conditions u/s 80C, 80D and 10(10D) of the Income Tax Act, 1961. Service tax and applicable cesses will be charged extra as per applicable rates. Tax laws are subject to amendments from time to time. ICICI Pru Life Raksha UIN 105N149V02

ICICI Pru POS iProtect Smart
^Tax benefits under the policy are subject to conditions u/s 80C, 80D and 10(10D) of the Income Tax Act, 1961. Service tax and applicable cesses will be charged extra as per applicable rates. Tax laws are subject to amendments from time to time.
*Accidental Death Benefit (ADB) is available in Life Plus option. In case of death due to an accident ADB will be paid out in addition to Death Benefit. To know more about definitions, terms & conditions applicable for Accidental Death Benefit, kindly refer sales brochure of ICICI Pru POS iProtect Smart. ICICI Pru POS iProtect Smart UIN

ICICI Pru POS Life Raksha
^Tax benefits under the policy are subject to conditions u/s 80C, 80D and 10(10D) of the Income Tax Act, 1961. Service tax and applicable cesses will be charged extra as per applicable rates. Tax laws are subject to amendments from time to time. ICICI Pru POS Life Raksha UIN

ICICI Pru Heart Cancer Protect
*Lump sum is paid out on diagnosis of any of the listed conditions. Payout is based on level of condition. Total payout in the policy cannot exceed 100% of Sum Assured of cover selected. Refer to the sales brochure to know about payouts at different level of condition.
**Company shall waive all future premiums on a claim of Minor condition under the chosen cover or on diagnosis of Permanent Disability (PD) of the Life Assured due to Accident. If both Cancer cover and Heart cover are chosen such waiver is allowed on a minor/major condition claim under either Cancer cover or Heart cover; or on the diagnosis of PD. This benefit is available only if Policy is in force as on the date of diagnosis of the condition/at the time of accident.
^Tax benefit of `7,800 is calculated at highest tax slab rate of 31.2% (including Cess excluding surcharge) on health premium u/s 80D of `25,000. Tax benefits under the policy are subject to conditions under Section 80D, 10(10D) and other 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 details, before acting on above. ICICI Pru Heart Cancer Protect UIN

ICICI Pru Signature Online
¹Amount equal to total of mortality charges and policy administration charges deducted in the policy will be added back to the fund value at maturity, provided all due premiums have been received. This amount will be allocated among the funds in the same proportion as the value of total units held in each fund at the time of allocation. This shall exclude any extra mortality charges and taxes levied on the charges deducted as per prevailing tax laws. Return of Mortality Charges and Policy Administration Charges is not applicable for Whole Life option.

²Systematic Withdrawal Plan is allowed only after the first five policy years. UIN: 105L177V06

ICICI Pru Signature
^* The total of Premium Allocation Charges (excluding Top-up premium allocation charges) deducted in the policy net of taxes will be added back to the Fund Value at the end of 10th policy year. The same amount will be added again at the end of every 5th policy year thereafter.

^{^}Value Benefit is 5% of the annual premium and will be added to the fund value as extra units on receipt of 2nd year’s premium for Premier Plan and on receipt of 2nd year and 6th year’s premiums for Exclusive Plan. For non-annual modes of premium payment, value benefit will be added as and when modal premiums are received for Premier and Exclusive plan option.

Value Benefit in 6th policy year is not applicable for premium payment term of 5 years.
Value Benefit is not applicable for Single Pay policies and on top-up premiums.
Value Benefit will be allocated among the funds in the same proportion as the value of total units held in each fund at the time of allocation.

^~ Systematic Withdrawal Plan is allowed only after the first five policy years, provided the monies are not in the discontinued policy fund. UIN: 105L177V06

ICICI Pru1 Wealth
^* Sum Assured multiples in between the minimum and maximum limits are not available

^{^} Tax benefit of `46,800 is calculated at highest tax slab rate of 31.2% (including Cess excluding surcharge) on life insurance premium u/s 80C of `1,50,000. Tax benefits under the policy are subject to conditions under Section 80C, 80D, 10(10D) and other 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 details, before acting on above.

^{^^} Nothing herein contained shall operate to destroy or impede the right of any creditor to be paid out of the proceeds of any policy of assurance, which may have been effected with intent to defraud creditors. In case of any third party claim in the Courts of India with regards to the insurance proceeds, the amount shall be subject to the judiciary directions. Please seek professional legal advice for the applicability of this provision. ICICI Pru1 Wealth UIN:.

ICICI Pru LifeTime Classic
* The Policyholder can have funds in only one of the Portfolio Strategies. ** The Company will allocate extra units as below provided all due premiums have been paid:

• For single pay policies with a policy term of 5 years, a loyalty addition of 0.25% of the average of daily Fund Values, including Top-up Fund Value, if any, in that same policy year, will be payable at the end of the fifth policy year
• Each Loyalty Addition will be a percentage of the average of daily Fund Values including Top-up Fund Value, if any, in that same policy year as mentioned in the table above.
• Wealth Boosters will be a percentage of the average Fund Values including Top-up Fund Value, if any, on the last business day of the last eight policy quarters.
• Loyalty Additions and Wealth Boosters will be allocated among the funds in the same proportion as the value of total units held in each fund at the time of allocation.
• The allocation of Loyalty Additions and Wealth Boosters is guaranteed and shall not be revoked by the Company under any circumstances.
• If the premium payment is discontinued any time after 5 years, the number of years for which premiums have been paid will be considered as the premium paying term for the purpose of deciding the Loyalty Additions & Wealth Boosters to be paid for the rest of the policy term as per the table above.

^Tax benefit of `46,800 is calculated at highest tax slab rate of 31.2% (including Cess excluding surcharge) on life insurance premium u/s 80C of `1,50,000. Tax benefits under the policy are subject to conditions under Section 80C, 80D, 10(10D) and other 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 details, before acting on above. ICICI Pru LifeTime Classic UIN . ICICI Pru Unit Linked Accidental Death Rider UIN

ICICI Pru Guaranteed Wealth Protector
*On Maturity, you will receive higher of Fund Value including Loyalty Additions and Wealth Booster or Assured Benefit. Assured Benefit which will be 101% of the sum of all premiums paid. Assured Benefit is applicable only on maturity of the policy & does not apply on death or surrender.
**Loyalty Additions will be allocated as extra units at the end of every policy year, starting from the end of the sixth policy year, provided monies are not in Discontinued Policy (DP) Fund. Each Loyalty Addition will be equal to 0.25% of the average of the Fund Values on the last business day of the last eight policy quarters. Loyalty Additions will be allocated among the funds in the same proportion as the value of total units held in each fund at the time of allocation. The allocation of Loyalty Addition units is guaranteed and shall not be revoked by the Company under any circumstances. Wealth Booster will be allocated as extra units at the end of the tenth policy year. Wealth Booster will be a percentage of the average of Fund on the last business day of the last eight policy quarters (1.50% for One pay and 3.25% for Five pay and Seven Pay). Wealth Booster will be allocated between the funds in the same proportion as the value of total units held in each fund at the time of allocation. The allocation of Wealth Booster units is guaranteed and shall not be revoked by the Company under any circumstances. ICICI Pru Guaranteed Wealth Protector UIN

ICICI Pru Smart Life Plan and ICICI Pru SmartCouple Plan with ICICI Pru Smart Life
*Under this benefit, following the date of death of the life assured, provided all due premiums have been paid, units equivalent to the installment premium will be allocated by the Company on the subsequent premium due dates. This benefit is not applicable for the One Pay option. On death of the Life Assured, the following conditions apply:

• The Fund Value including Top up Fund Value, if any, will remain invested in the respective funds and portfolio strategies as on date of death of the Life Assured.
• Only the Fund Management Charge and Policy Administration Charge will be levied. Units will be allocated as if Premium Allocation Charges are being deducted. Life Insurance Cover will not apply and mortality charges will not be deducted.
• The policy cannot be surrendered. No policy alterations will be allowed. The Nominee will not be eligible for making partial withdrawals, paying top up premiums, performing switches, renewing Automatic Transfer Strategy (ATS), redirecting premium, effecting a change in portfolio strategy, opting for settlement option, increasing or decreasing premium payment term, increasing or decreasing Sum Assured, increasing or decreasing policy term.

**Loyalty Additions are applicable from the 6th policy year onwards in the form of extra units at the end of every policy year. Each Loyalty Addition will be equal to 0.25% of the average of the Fund Values. You get an additional Loyalty Addition of 0.25% every year from the end of year 6 if all premiums for that year have been paid. Wealth Boosters will be allocated as extra units at the end of every 5th policy year starting from the end of the 10th policy year. Each Wealth Booster will be 3.25% for Limited/Regular Pay policies and 1.5% for Single Pay policies of the average of the Fund Values. ICICI Pru Smart Life UIN

ICICI Pru Guaranteed Income For Tomorrow (Long-term)
¹Guaranteed Income will be payable subject to all due premiums being paid. ICICI Pru Guaranteed Income For Tomorrow (Long-term) offers four plan options namely 'Income' and 'Income with 110% ROP'. The customer can choose any plan option from the four available options. Please refer to the product brochure for more details.
²This benefit is available under Income with 110% ROP plan option.
³Life insurance cover is the benefit payable on death of the life assured during the policy term.
⁴Tax benefits under the policy are subject to prevailing conditions and 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 details, before acting on above. ICICI Pru Guaranteed Income For Tomorrow (Long-term) UIN

ICICI Pru Guaranteed Income For Tomorrow (Long-term) POS
¹Guaranteed Income will be payable subject to all due premiums being paid.
²This benefit is available under Assured Income with 110% ROP plan option.
³Life insurance cover is the benefit payable on death of the life assured during the policy term.
⁴Tax benefits under the policy are subject to prevailing conditions and 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 details, before acting on above. ICICI Pru Guaranteed Income For Tomorrow (Long-term) UIN . ADVT: W/II/1690/2022-23

ICICI Pru Guaranteed Income For Tomorrow
¹A guaranteed lump sum or regular income will be payable based on the plan option selected.
²This benefit is available under the Early Income plan option.
³Life insurance cover is the benefit payable on death of the life assured.
⁴Tax benefits under the policy are subject to conditions under Section 80C, 10(10D), 115BAC and other provisions of the Income Tax Act, 1961. Goods and Services tax and cesses (if any) will be charged extra, as per applicable rates. The tax laws are subject to amendments from time to time. Please consult your tax advisor for details, before acting on above. ICICI Pru Guaranteed Income For Tomorrow UIN

ICICI Pru Cash Advantage
*Guaranteed Cash Benefit (GCB) is payable in advance during the payout term provided the life assured is alive and the policy is fully paid, payout term begins as soon as the premium payment term is over and terminates at the end of the policy term. GCB can be received in monthly or annual installments. GCB is a percentage of the Guaranteed Maturity Benefit (GMB) and depends on cash benefit mode opted. It is equal to 1% of GMB every month throughout the payout term of 10 years for monthly mode and 11.5% of GMB every year for annual payout mode.
**Reversionary bonuses may be declared every financial year and will accrue to the policy if it is premium paying or fully paid. Reversionary bonus once declared is guaranteed and will be paid out at maturity or on earlier death. A terminal bonus may also be payable at maturity or on earlier death.
^Tax benefits as per prevailing tax laws. Tax laws are subject to amendment from time to time. For more details on the risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. ICICI Pru Cash Advantage Form No.: E10, UIN

ICICI Pru Savings Suraksha
*Your Guaranteed Maturity Benefit (GMB) will be set at policy inception and will depend on policy term, premium, premium payment term, Sum Assured on death and gender. Your GMB may be lower than your Sum Assured on death. Guaranteed Additions (GAs) totaling 5% of GMB each year will accrue during the first five policy years if all due premiums are paid. GAs accrue on payment of due premium.
**Reversionary bonuses may be declared every financial year and will accrue to the policy if it is premium paying or fully paid. Reversionary bonuses will be applied through the compounding bonus method. All reversionary bonuses will be declared as a proportion of the sum of the GMB and the vested reversionary bonuses, if any. Reversionary bonus once declared is guaranteed and will be paid out at maturity or on earlier death. A terminal bonus may also be payable at maturity or on earlier death.
^Tax benefits as per prevailing tax laws. Tax laws are subject to amendment from time to time. For more details on the risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. ICICI Pru Savings Suraksha UIN

ICICI Pru Assured Savings Insurance Plan
^{^}Guaranteed Additions (GAs) rate will be 9% for policy term of 10 years and 10% for policy term of 15 years. GAs will be added to the policy at the end of every policy year if all due premiums have been paid. Each GA will be calculated as GA rate multiplied by the total premiums paid till date (excluding extra mortality premiums, Goods & Services Tax and Cess (if any)).
^~Guaranteed Maturity Benefit (GMB): Your GMB will be set at policy inception and will depend on policy term, premium, premium payment term, age and gender.
*Tax benefit of ₹ 46,800 is calculated at highest tax slab rate of 31.2% (including Cess excluding surcharge) on life insurance premium u/s 80C of ₹ 1,50,000.Tax benefits under the policy are subject to conditions under Section 80C, 10(10D) , Sec 115BAC and other provisions of the Income Tax Act, 1961. Goods & Services Tax and Cess (if any) will be charged extra by redemption of units, as per prevailing rates. Tax laws are subject to amendments made thereto from time to time. All policies issued from April 1, 2012, with sum assured (cover on death) less than 10 times of annual premium will not be eligible for tax benefit u/s 10(10D). Further tax benefit u/s 80C will be limited only up to 10% of Sum Assured. Please seek professional tax advice for applicability of tax benefits on premiums paid and benefits received. ICICI Pru Assured Savings Insurance Plan UIN:, ADVT: W/II/0518/2023-24

ICICI Pru Future Perfect
*GMB will be set at policy inception and will depend on age, policy term, premium, premium payment term and gender. Your GMB may be lower than your Sum Assured on death. Guaranteed Additions (GAs) is a percentage of annualized premium. For monthly premium frequency, 1/12th times GA will be accrued every month on premium payment. For half yearly premium frequency, 0.5 times GA will be accrued on premium payment.
** Reversionary bonuses may be declared every financial year and will accrue to the policy if it is premium paying or fully paid. Reversionary bonuses will be applied through the compounding bonus method. All reversionary bonuses will be declared as a proportion of the sum of the GMB and the accrued reversionary bonuses, if any. Reversionary bonus once declared is guaranteed and will be paid out at maturity or on earlier death. A terminal bonus may also be payable at maturity or on earlier death.
^Tax benefits as per prevailing tax laws. Tax laws are subject to amendment from time to time. For more details on the risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. ICICI Pru Future Perfect Form No. E21 UIN

ICICI Pru Lakshya Wealth
¹Tax benefits under the policy will be as per the prevailing Income Tax laws. Goods and Services tax will be charged extra, as per applicable rates. The tax laws are subject to amendments from time to time.
²Guaranteed Value Benefits will be set at policy inception and will depend on age, policy term, premium, premium payment term and gender.
³Bonus may be declared annually from the first year as ‘Regular Additions’ and will be a percentage of the sum total of the ‘Sum Assured on Maturity and the applicable ‘Guaranteed Value Benefits’. ICICI Pru Lakshya Wealth UIN

ICICI Pru Lakshya Lifelong Income
¹Tax benefits under the policy will be as per the prevailing Income Tax laws. Goods and Services tax will be charged extra, as per applicable rates. The tax laws are subject to amendments from time to time. ICICI Pru Lakshya Lifelong Income UIN

ICICI Pru Sukh Samruddhi
¹ Life cover: Life cover is the benefit payable on death of the life assured during the policy term.

ICICI Pru Easy Retirement
*On vesting, i.e. maturity, you will be entitled to the Assured Benefit or Fund Value whichever is higher and is payable provided all due premiums as per the premium payment term shown above are paid. Assured Benefit will be 101% of total premium paid which is applicable only on maturity of the policy and does not apply on death or surrender. Fund Value is the total value of the money that is invested in a fund of your choice.
**You can invest any available money in the form of Top ups in this policy provided all due premiums have been paid. The provision to pay Top ups will be available up to five years prior to your original or postponed vesting date . The minimum amount of Top up is ` 2000.
^On completion of the 10th policy year and on completion of every 5th policy year thereafter, there will be a guaranteed Pension Booster, provided at least five years’ premiums have been paid. This will be equal to 5% of the average daily total Fund Value over the preceding 12 months. The guaranteed Pension Boosters will be allocated between Easy Retirement Balanced Fund and Easy Retirement Secure Fund in the proportion of the values of total units held in each fund at the time of allocation. Pension Boosters will be made by allocation of extra units. Pension boosters shall not be taken back under any circumstances. ICICI Pru Easy Retirement UIN 105L133V03

ICICI Pru Easy Retirement Single Premium
^On completion of the 10th policy year and on completion of every 5th policy year thereafter, there will be a guaranteed Pension Booster, provided at least five years’ premiums have been paid. This will be equal to 5% of the average daily total Fund Value over the preceding 12 months. The guaranteed Pension Boosters will be allocated between Easy Retirement Balanced Fund and Easy Retirement Secure Fund in the proportion of the values of total units held in each fund at the time of allocation. Pension Boosters will be made by allocation of extra units. Pension boosters shall not be taken back under any circumstances.
* On vesting, i.e. maturity, you will be entitled to the Assured Benefit or Fund Value whichever is higher and is payable provided all due premiums as per the premium payment term shown above are paid. Assured Benefit will be 101% of total premium paid which is applicable only on maturity of the policy and does not apply on death or surrender. Fund Value is the total value of the money that is invested in a fund of your choice. ICICI Pru Easy Retirement Single Premium UIN - 105L138V03

ICICI Pru Guaranteed Pension Plan
^~T&C apply
^{^^}Annuity will be payable in arrears. The frequency of annuity payments can be monthly, half-yearly, quarterly or annually as chosen by the annuitant at the time of purchasing the annuity. The annuity amount chosen at policy inception is guaranteed for life.
¹There are 3 Annuity options available where you can get back your premium while you are alive, after attaining a certain age. To know more in details, please refer the product brochure.
*Joint Life can be either the spouse/child/parent or sibling of the Primary Annuitant.
^#You have an option to choose from 8 Immediate Annuity and 3 Deferred Annuity options. To know more about the options in detail, please refer the product brochure.
^{^}Tax benefits under the policy are subject to conditions under Section 80CCC, 115BAC and other provisions of the Income Tax Act,1961. Good and Service 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 details, before acting on above. ICICI Pru Guaranteed Pension Plan UIN.

ICICI Pru Guaranteed Pension Plan Flexi
¹ Please refer the product brochure for more details.
² Under Joint Life option the Secondary Annuitant can be either the spouse/child/parent/sibling of the Primary Annuitant.
³ Applicable for Joint Life options only.
^{^^} T&C Apply. ICICI Pru Guaranteed Pension Plan Flexi UIN -

ICICI Pru Saral Pension Plan
^~T&C apply
^{^^}Annuity will be payable in arrears. The frequency of annuity payments can be monthly, half-yearly, quarterly or annually as chosen by the annuitant at the time of purchasing the annuity. The annuity amount chosen at policy inception is guaranteed for life.
¹Under Joint Life option the Secondary Annuitant shall be the Spouse of the Primary Annuitant.
²The purchase price, i.e., the price with which you bought the plan is returned to your nominee in case of an unfortunate event. Please refer the product brochure for more details.
³Please refer the product brochure for more details.
⁴Tax benefits under the policy are subject to conditions under Section 80CCC, 115BAC and other provisions of the Income Tax Act,1961. Good and Service 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 details, before acting on above. ICICI Pru Saral Pension Plan UIN.

ICICI Pru Corona Protect Rider
^# Death due to reasons other COVID-19 will also be covered here. For more details on exclusions under this, please refer to the brochure.
^* Hospitalization admission in a Hospital for a minimum period of seventy two (72) consecutive 'In-patient care’ hours for the treatment of COVID-19. Please refer to the terms and conditions for detailed definition of Hospital.
^{^} Tax benefits may be applicable on premium paid and benefits received as per the prevailing tax laws. ICICI Pru Corona Protect Rider - 105B040V01.

ICICI Pru Corona Protect Plus Rider
^# Death due to reasons other COVID-19 will also be covered here. For more details on exclusions under this, please refer to the brochure.
^* Hospitalization admission in a Hospital for a minimum period of seventy-two (72) consecutive hours for the treatment of COVID-19. Please refer to the terms and conditions for detailed definition of Hospital
^{^} Tax benefits may be applicable on premium paid and benefits received as per the prevailing tax laws. ICICI Pru Corona Protect Plus Rider - 105A041V01

ICICI Pru Group Plans
^Tax benefits under the policy are subject to conditions under Section 80C, 80CCC, 10(10A), (10D) and other 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 details, before acting on above.
ICICI Pru Loan Protect 105N142V02, ICICI Pru Loan Protect Plus 105N150V03, ICICI Pru Group Term Plus , ICICI Pru Group Loan Secure 105N152V03, ICICI Pru Group Insurance Scheme for Pradhan Mantri Jeevan Jyoti Bima Yojana 105G146V01. ICICI Pru Shubh Raksha Credit 105N159V01. ICICI Pru Shubh Raksha One 105N158V02. ICICI Pru Shubh Raksha Life 105N160V02 ICICI Pru Super Protect - Credit 105N176V01 ICICI Pru Super Protect Life 105N180V01. ICICI Pru Group Unit Linked Superannuation - 105L136V02. ICICI Pru Group Unit Linked Employee Benefit Plan - 105L137V02. ICICI Pru Group Suraksha Plus - 105N147V02. ICICI Pru Group Suraksha Plus Superannuation - 105N148V02, ICICI Pru Group Immediate Annuity Plan - 105N009V21

ICICI Pru Loan Protect Plus
*AD Benefit is equal to Death Benefit. If this benefit is selected, in case of death of the Life Assured due to accident, AD Benefit will be payable in addition to Death Benefit. To know more about definitions, terms & conditions applicable for Accidental Death Benefit, kindly refer sales brochure of ICICI Pru Loan Protect Plus. ICICI Pru Loan Protect Plus 105N150V03

ICICI Pru Group Loan Secure
**AD Benefit is equal to Death Benefit. If this benefit is selected, in case of death of the member due to accident, AD Benefit will be payable in addition to Death Benefit. On payment of this benefit, member’s risk cover will cease.
*The critical illness benefit is an accelerated benefit & the death benefit will be reduced by the critical illness cover paid to the policyholder. ICICI Pru Group Loan Secure 105N152V03

ICICI Pru Rural Plans
^Tax benefits under the policy are subject to conditions under Section 80C, 80CCC, 10(10A), (10D) and other 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 details, before acting on above.
ICICI Pru Sarv Jan Suraksha , ICICI Pru Anmol Bachat

SmartKid with ICICI Pru Smart Life
^` Company pays all due premiums in your absence provided all due premiums have been paid. Units will continue to be allocated as if the premiums are being paid – to ensure that your savings for your desired goal continues uninterrupted.
^* Tax benefits under the policy are subject to conditions under Section 80C, 80D, 10(10D),115BAC and other 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.
⁺ Partial withdrawals are allowed after the completion of five policy years provided monies are not in Discontinued Policy Fund. You can make unlimited number of partial withdrawals as long as the total amount of partial withdrawals in a year does not exceed 20% of the Fund Value in a policy year. The partial withdrawals are free of cost. For the purpose of partial withdrawals, lock in period for Top-up premiums will be five years from date of payment or any such limit prescribed by IRDAI from time to time. Partial withdrawal will not be allowed if it results in termination of the policy.
UIN:105L145V08.

ICICI Pru EzyGrow
¹ Return of Mortality and Policy Administration charges from 6th year.
^{^} Tax benefits under the policy are subject to conditions under Section 80C, 80D, 10(10D) and other provisions of the Income Tax Act, 1961.
ICICI EzyGrow UIN: 105189V03. Advt No: W/II/0533/2023-24

iShield
¹ Life cover is the benefit payable on death of the Life Assured during the policy term.
² Permanent Disability: On diagnosis of Permanent Disability (PD) due to an accident, the future premiums under your policy for all benefits are waived. To know more about definitions, terms & conditions applicable for permanent disability due to accident, kindly refer sales brochure of ICICI Pru iProtect Smart.

³ The Company hereby agrees subject to the terms, conditions and exclusions herein contained or otherwise expressed, for the period and to the extent of the Sum Insured as specified in the Schedule to this Policy. The Policy covers Reasonable and Customary Charges incurred towards medical treatment taken during the Policy Period for an Illness, Accident or condition described below if this is contracted or sustained by an Insured / Insured Person during the Policy Period and subject always to the Sum Insured, any subsidiary limit specified in the schedule of Benefits, the terms, conditions, limitations and exclusions mentioned in the Policy and eligibility as per the insurance plan opted by insured and stated in as stated in the Schedule

⁴ This benefit covers relevant medical expenses incurred during a period up to the number of days as specified in the Schedule of benefits forming part of this Policy, prior to hospitalization or day care treatment for treatment of Disease, Illness contracted or Injury sustained for which the Insured / Insured Person was hospitalized, giving rise to an admissible claim under this Policy. This benefit is a part of benefit available under ‘In-patient treatment’ and is limited to the available Sum Insured under ‘In-patient treatment’. Pre-hospitalization Medical Expenses can be claimed as reimbursement only.

iShield UIN: ICIHLIP24028V012324. ADV/17800

ICICI Pru Gold
¹ In plan option ‘Immediate income’ and ‘Immediate income with Booster’, starting from the first policy year, you will receive a regular income at the end of every policy year/month, as chosen by you, provided the policy is in-force
In ‘deferred Income’ plan option, you will receive regular income at the end of every year/month, starting from end of deferment period as chosen by you, provided the policy is in-force. You can start this income as early as 2nd policy year or as late as Premium Payment Term plus 1 year
This regular income will comprise the following:

• Guaranteed Income (GI) and
• Income which will be linked to Bonus, if declared; referred to as Cash Bonus (CB)

² For all plan options, Maturity Benefit will be sum of:

• Sum Assured on Maturity, plus
• Balance in the Savings Wallet (if any), plus
• Terminal Bonus (if declared)

³ ICICI Pru Gold offers three plan options namely ‘Immediate Income’ and ‘Immediate Income with booster’ and ‘Deferred Income’. The customer can choose any one of the three available options. Please refer to sales brochure for more details

⁴ Life cover is the benefit payable on death of the life assured during the policy term. For all plan options, Death Benefit is equal to:

• Sum Assured on Death, plus
• Balance in the Savings Wallet (if any), plus
• Interim Survival Benefit (if any), plus
• Terminal Bonus (if declared)

Where, the Sum Assured on Death is the highest of:

• 7 times the Annualized Premium
• 105% of the Total Premiums Paid as on the Date of Death
• Death Benefit multiple times Annualized Premium

⁵ Tax benefits under the policy are subject to prevailing conditions and 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 details, before acting on above. ICICI Pru Gold A Non-Linked Participating Individual Life Insurance Savings plan. UIN 105N190V01. ADVT: W/II/1748/2022-23

ICICI Pru iProtect Return of Premium
¹ Life cover is the death benefit payable on death of the Life Assured during the policy term. For ‘Return of Premium’ plan option, Death Benefit will be the highest of a) Sum Assured on Death b) Basic Sum Assured to be paid on death c) (Applicable only for limited pay and regular pay) 105% of the Total Premiums Paid till the date of death. Where Sum Assured on Death is 7 X Annualised Premium for regular pay and limited pay and 1.25 X Single Premium for single pay; For ‘Income Benefit’ plan option, Death Benefit will be the highest of a) Sum Assured on Death b) 105% of the Total premiums Paid till the date of death c) Basic Sum Assured to be paid on death, less total Survival Benefit paid till date of death. Where, Sum Assured on Death is 10 X Annualised Premium. For ‘Return of Premium with Life-stage cover’ & ‘Early Return of Premium with Life-stage cover’ plan options, Death Benefit will be the highest of a) Sum Assured on Death b) 105% of the Total premiums paid till the date of death c) Absolute amount assured to be paid on death Where Sum Assured on Death is 7 X Annualised Premium
² Life-stage cover: In case of Life-stage cover, Absolute amount assured to be paid on death will be based on age of the Life Assured as provided below.
i. In the first policy year, Absolute amount assured to be paid on death will be the same as Basic Sum Assured as chosen by You at inception.
ii. From the second policy year till the policy anniversary after the Life Assured attains age 55, 5% of Basic Sum Assured gets added on every policy anniversary to the Basic Sum Assured. This amount cumulatively shall be the Absolute amount assured to be paid on death. The Absolute amount assured to be paid on death remains constant till the next policy anniversary. In case the Absolute amount assured to be paid on death becomes twice the Basic Sum Assured during this period of increment, it stays constant at that level, till the policy anniversary after the Life Assured attains age of 56 years.
iii. On the policy anniversary after the Life Assured attains 56 years of age, the Absolute amount assured to be paid on death shall revert back to Basic SA. This will continue till the policy anniversary after the Life Assured attains 60 years of age.
iv. On the policy anniversary after the Life Assured attains 60 years of age, the absolute amount assured to be paid on death shall be 50% of Basic Sum Assured and continues at the same level till end of the policy term.
³ Premium back refers to the total of all premiums received, excluding premiums for optional benefits i.e. Accidental Death Benefit, Critical Illness Benefit, extra premium, any rider premium and taxes, if any, upon the full payment of policy premiums
⁴ Critical Illness: CI Benefit is an additional optional benefit chosen at inception and is available with ‘Life and health’ and ‘All in One’ benefit options. The CI Sum Assured is paid as a lump sum upon the Life Assured being diagnosed on first occurrence of any of the covered 60 major Critical Illnesses within CI Benefit term. 25% of the CI Sum Assured or INR 500,000.00 whichever is lower is paid as a lump sum upon the Life Assured being diagnosed on first occurrence of any of the covered 4 minor Critical Illnesses within CI Benefit term. CI Benefit is available for Single Pay and Limited Pay and is lower of (15 years, policy term). For regular pay, the CI benefit term will be lower of (policy term, 40 years) subject to maximum cover ceasing age of 85 years. CI Benefit can be less than or equal to the Basic Sum Assured chosen by You at inception for Return of Premium Plan and Income Benefit Plan. CI Benefit can be less than or equal to the 50% of the Basic Sum Assured chosen at inception for Return of Premium with Life-stage Cover Plan and Early Return of Premium with Life-stage Cover Plan. CI Benefit is a pure risk benefit and does not have Survival or Maturity Benefit. Premiums paid corresponding to CI Benefit shall be excluded from Survival or Maturity Benefit
⁵ Accidental Death Benefit: ADB Benefit is an additional optional benefit and is available with ‘Life Plus’ and ‘All in One’ benefit options. In the event of the Life Assured’s death due to an Accident, ADB will be payable as a lump sum. ADB is available for the policy term or till the age of 80 years, whichever is lower. For Return of Premium Plan and Income Benefit Plan, ADB can be less than or equal to the Basic Sum Assured as per plan option. For Return of Premium with Life-stage Cover Plan and Early Return of Premium with Life-stage Cover Plan, ADB can be less than or equal to the 50% of the Basic Sum Assured chosen at inception. ADB is a pure risk benefit and does not have Survival or Maturity Benefit. Premiums paid corresponding to ADB shall be excluded from Survival or Maturity Benefit
⁶ Tax benefits may be available as per the prevailing tax laws. Tax benefits under the policy are subject to prevailing conditions and provisions of the Income Tax Act, 1961. Goods and Services Tax and Cesses, if any, will be charged extra as per applicable rates. The tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on above. ICICI Pru iProtect Return of Premium(UIN: ), W/II/4176/2021-22, A Non-Linked, Non-Participating Individual Life insurance Savings product.

ICICI Pru Unit Linked Accidental Death Rider

^* Units equivalent to the premium will be deducted from the fund value

^{^} Tax benefits may be available as per the prevailing tax laws. Tax benefits under the policy are subject to prevailing conditions and provisions of the Income Tax Act, 1961. Goods and Services Tax and Cesses, if any, will be charged extra as per applicable rates. The tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on above.ICICI Pru Unit Linked Accidental Death Rider UIN: . ADVT: W/II/0012/2023-24

ICICI Pru Non-Linked Accidental Death and Disability Rider

¹Accidental death benefit option: If the life assured covered by this benefit option passes away, due to an accident which happens within the coverage term, the Accidental Death Sum Assured will be paid out as a lump sum to the nominee. This amount will be payable if the accident occurs within the coverage term set under this benefit option, but death occurs beyond the Coverage term (however within 180 days from the date of the accident), provided the option is in-force or in grace period at the time of accident. On payment of the Accidental Death Sum Assured to the Claimant, the benefit option will terminate and all rights, benefits and interests under the option will stand extinguished.

²Accidental total and permanent disability benefit option: If the life assured covered by this benefit option become totally, continuously and permanently disabled as a result of accident i.e., Accidental Total Permanent Disability and meets any of 3 clauses as defined in the policy document, the Accidental Total and Permanent Disability Sum Assured will be paid out as a lump sum to the nominee. On payment of the Accidental total and permanent disability Sum Assured to the Claimant, the benefit option will terminate and all rights, benefits and interests under the option will stand extinguished. For more details, kindly refer to the Rider policy document.

³It refers to life cover available under the base policy at inception. Life cover is the benefit payable on death of the Life Assured during the policy term.

⁴Tax 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 Accidental Death and Disability Rider. UIN: 105B042V01. ADVT: W/II/0270/2023-24

ICICI Pru Linked Accidental Death and Disability Rider

¹Accidental death benefit option: If the life assured covered by this benefit option passes away, due to an accident which happens within the coverage term, the Accidental Death Sum Assured will be paid out as a lump sum to the nominee. This amount will be payable if the accident occurs within the coverage term set under this benefit option, but death occurs beyond the Coverage term (however within 180 days from the date of the accident), provided the option is in-force or in grace period at the time of accident. On payment of the Accidental Death Sum Assured to the Claimant, the benefit option will terminate and all rights, benefits and interests under the option will stand extinguished.

²Accidental total and permanent disability benefit option: If the life assured covered by this benefit option become totally, continuously and permanently disabled as a result of accident i.e., Accidental Total Permanent Disability and meets any of 3 clauses as defined in the policy document, the Accidental Total and Permanent Disability Sum Assured will be paid out as a lump sum to the nominee. On payment of the Accidental total and permanent disability Sum Assured to the Claimant, the benefit option will terminate and all rights, benefits and interests under the option will stand extinguished. For more details, kindly refer to the Rider policy document.

³It refers to life cover available under the base policy at inception. Life cover is the benefit payable on death of the Life Assured during the policy term.

⁴Tax 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 Linked Accidental Death and Disability Rider. UIN: 105A043V01. ADVT: W/II/0272/2023-24

ICICI Pru Protect N Gain

¹Life cover is the benefit payable on death of the life assured during the policy term. Death Benefit will be highest of:

²Starting from the 11th policy year, you will receive 2X/3X of return of mortality and 2X of policy administration charges (excluding taxes), at the beginning of each month, till the end of the policy term. These will be added in the form of units to the Fund Value.

³At policy maturity, an addition, known as Maturity Booster in the form of extra units (Units mean a specific portion or part of the Unit Linked Fund(s) in which you have saved your money) will be made to boost your Fund Value. This Maturity Booster will be equal to 20% percentage of the average of the Fund Values including Top-up Fund Value, if any, on the last business day of the last eight policy quarters.

⁴Systematic Withdrawal Plan is allowed only after the first five policy years.

⁵Available through mandatory rider ‘ICICI Pru Accidental Death and Disability rider’. Please refer to the rider brochure for more details.

ICICI Pru Protect N Gain (UIN: 105L191V01). ICICI Pru Linked Accidental Death and Disability Rider (UIN: 105A043V01). ADVT: W/II/0265/2023-24

ICICI Pru GIFT Pro

¹Life Insurance Cover is the benefit payable on death of the Life Assured during the policy term.

²Guaranteed Benefits will be payable subject to all due premiums being paid.

³Level Income and Increasing Income are income options available under GIFT Pro. Under Level Income, the Guaranteed Income will remain constant throughout the income period. If Increasing Income is selected, the Guaranteed Income will increase by 5% p.a of the base income.

⁴You can choose to receive any percentage from 0% to 100% of the sum total of all annualized premiums payable by you as MoneyBack Benefit. This will be paid as a one time Lump sum amount. Additionally you also have the flexibilty to choose any year, on or after the maturity date of the policy up to the last income year, to receive this MoneyBack Benefit. Your Guaranteed Income amount will be adjusted based on the MoneyBack Benefit % and payout year selected by you. You can opt for these flexibilities at the inception of the policy. MoneyBack Benefit % and payout year cannot be changed later.

⁵Low cover income booster at the inception of the policy, you can choose to opt for “Low Cover Income Booster” wherein you will be able to receive increased income for opting a lower life cover.

⁶You have an option to receive GI every year on a Special Date of your choice preceding the due date of first GI pay-out during the Income Period. The Special date can be chosen to coincide with any date such as, Date of Maturity, birth date or anniversary date etc. Payment of GI will commence from this Special Date and all further GIs will be paid every year on this Special Date chosen. In case You opt for a Special Date, the GI payable each year would be adjusted by multiplying the GI amount with a discount loading factor, varying by the policy month in which the Special Date falls.

⁷Tax 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 GIFT Pro (UIN: )

W/II/0336/2023-24

Unit Linked products are different from traditional insurance products and are subject to the risk factors.

The premium paid in ULIPs are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/ her decisions. ICICI Prudential Life Insurance is only the name of the Life Insurance Company and the unit linked insurance products and does not in any way indicate the quality of the products, its future prospects and returns.

Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document issued by the Insurance company.

The various funds offered under this products are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns.

E/II/0195/2023-24