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Offer your family 360° protection against Death, Disability & Disease. A plan that provides Life Cover + 34 Critical Illnesses cover* + Higher Accident cover and much more.

Key Benefits
  • Choice of protection
  • Pay-out to you in case of 34 critical illnesses
  • Waiver of future premium in case of permanent disability due to an accident
  • Tax benefits under Section 80C, 80D & 10(10D)
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ICICI Prudential Smart Health is designed to provide protection against 34 Critical illnesses and Terminal Illness.

Key Benefits
  • Extensive protection against 34 Critical Illness, Disability, Terminal Illness and Death.
  • No increase in premium as you grow older
  • Receive lump sum CI Benefit amount irrespective of the actual billing
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A protection plan that covers your loved ones and ensures that nothing ever comes in the way of their dreams.

Key Benefits
  • Security of your loved ones’ future even in your absence
  • Tax benefits
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Ensure your family’s financial security even in your absence with a Life Cover while enjoying tax benefits.

Key Features
  • Security of your loved ones’ future even in your absence
  • Tax benefits
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Get complete protection from Heart ailments and Cancer for you and your spouse.

Key Features
  • Get the claim amount on detection
  • No restrictions on your choice of hospital
  • Waiver of future premiums for Minor conditions of Cancer or Heart for full policy term
  • Tax benefits under Section 80D
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Achieve your financial goals with growth potential of equity, debt and balanced funds along with life cover to protect your loved ones.

Key Benefits
  • Choice of 4 portfolio strategies`
  • Invest in your choice of equity, debt and balanced funds
  • Rewards of Wealth Boosters+ and Loyalty Additions^ for long term investments
  • Life cover to protect your loved ones
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A life insurance plan that's a super-achiever, just like you.

Key Benefits
  • Choice of 4 portfolio strategies`
  • Move your money between equity, debt and balanced funds
  • Rewards of Wealth Boosters+ and Loyalty Additions^
  • Life cover to protect your loved ones
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A life insurance plan that is as exclusive as your goals.

Key Benefits
  • Low charges to create long term wealth
  • Premium payment as per your comfort
  • Customisation of portfolio strategy`
  • Rewards of Wealth Boosters+ and Loyalty Additions^ for long term investments
  • Security of your loved ones in your absence
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Achieve your dreams with the best of both worlds - the potential for better returns and capital guarantee**

Key Benefits
  • Guarantee on the money you invest
  • Premium payment as per your comfort
  • Rewards of Wealth Boosters and Loyalty Additions for long term investments
  • Security of your loved ones in your absence
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A plan that safeguards your family’s future with the promise of continued wealth creation even when you are not around.

Key Benefits
  • Choice of investment strategy to suit your needs
  • Rewards of Wealth Boosters and Loyalty Additions for long term investments
  • Security of your loved ones with premium waived in your absence
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With ICICI Pru Smart Life-A plan that grows your investments and secures the educational milestones of your children.

Key Benefits
  • Easy access to your money
  • Choice of lump sum pay-out and waiver of premium
  • Rewards of Wealth Boosters and Loyalty Additions for long term investments
  • Security of your loved ones in your absence
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A plan that offers regular additional income for celebrating life and making all those precious moments, a little extra special.

Key Benefits
  • Addition to your regular income with guaranteed pay-outs
  • Security of your loved ones with wealth creation and your Life Cover
  • Premium payment as per your comfort
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Offer your savings the opportunity to grow while enjoying the benefits of guaranteed returns.

Key Benefits
  • Savings with the comfort of guarantee
  • Premium payment as per your comfort
  • Security of your loved ones with wealth creation and your Life Cover
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Protect your loved ones and secure their dreams with guaranteed wealth growth.

Key Benefits
  • Growth of wealth with Guaranteed Additions
  • A lump sum pay out to secure your future
  • Premium payment as per your comfort
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Get dual assurances of guaranteed benefits and life cover, while complementing your investment corpus with bonuses that offer potentially higher return.

Key Benefits
  • Savings with the comfort of guarantee
  • Flexibility in premium payment term
  • Security of your loved ones with wealth creation and your Life Cover
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A plan that provides regular income for you in your golden years with the potential growth of equity and debt funds while ensuring that you do not lose your money no matter what**.

Key Benefits
  • Guarantee on the money you invest
  • Pension Boosters to increase your retirement savings
  • Choice of annuity options as per your needs to get regular income along with the protection of Life Cover
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Make sure that you and your spouse live a comfortable life in your golden years with a regular income to take care of your daily expenses and more. You can also leave a legacy for your children.

Key Benefits
  • Receive regular income for life
  • Option to increase your pay-out amount
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Make sure the loans you take to achieve your dreams are taken care of, even in your absence.

Key Features
  • Protection against loan liability for your loved ones
  • Premium payment as per your comfort
  • Tax benefits
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A plan that secures your family from loan liability while offering you additional protection of Accident and Disability cover.

Key Features
  • Protection against loan liability for your loved ones
  • Premium payment as per your comfort
  • Accident and Disability cover for extra protection
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A plan that ensures financial security of your employees or members’ loved ones with a Life Cover.

Key Features
  • Life Cover at an affordable cost
  • Tax benefits
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A plan that takes care of your employees’ gratuity payment, while offering you the opportunity to earn returns on your invested money.

Key Features
  • Choice of investment products to suit your needs
  • Easy administration process
  • Tax benefits
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Offer your employees a compensation package with this policy that will allow them to plan and save for their retirement as per their risk appetite.

Key Features
  • Choice of investment products to suit your needs
  • Easy administration process
  • Tax benefits
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A plan that helps you set up a pool of money for managing your leave encashment liability while providing returns on this saving.

Key Features
  • Choice of investment products to suit your needs
  • Easy administration process
  • Tax benefits
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Help your employees lead an independent post-retirement life with this plan, which offers regular income for life.

Key Features
  • Meet annuity requirements
  • Employees receive regular income for life
  • Multiple pay-out options available
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A plan that secures your loved ones against unforeseen circumstances at an affordable cost.

Key Features
  • Protection at an affordable cost
  • Security of your loved ones’ future even in your absence
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A plan that protects and grow your savings and provides you a life cover.

Key Features
  • Savings with comfort of guarantees
  • Protection at affordable cost
  • Flexibility of payment
  • Tax benefits

Pure Protection Plans

These are the simplest form of life insurance plans. They offer a financial cover for a specific period or term. In case of an unfortunate event within this term, these policies pay a predetermined amount to your dependents. This helps you secure their needs in your absence.

 

 

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Protection + Savings & Retirement Plans

These are insurance plans that go beyond providing protection. Retirement plans help you save for you retirement, whereas Protection + Savings plans help you create wealth while offering the benefit of a Life Cover.

 

 

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Group Plans

Group Insurance Plans are life insurance solutions which are especially crafted for members belonging to a professional, financial or cultural organization. Our range of Group Plans offer you various benefits that suit your needs.

 

 

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Rural Plans

Our rural business initiative has played a very important role in reaching the underserved segment through rural insurance plans. We have covered more than 2.5 million lives across 16 states in India. Along with hassle-free and simple procedures, these plans offer a Life Cover at low premiums.

 

 

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Free-look clause:
If you are not satisfied with the policy, you may cancel it by returning the policy document to the Company within 30 days from the date you received it if your policy is purchased through Distance marketing* and 15 days from the date you received it, if your policy is not purchased through Distance Marketing*. On cancellation of the policy during the free look period, we will return the premium paid subject to the deductions as mentioned in the terms and conditions of respective products. The policy shall terminate on payment of this amount and all rights, benefits and interests under this policy will stand extinguished.
*Distance marketing includes every activity of solicitation (including lead generation) and sale of insurance products through the modes such as Voice mode, which includes telephone-calling, Short Messaging service (SMS), Electronic mode which includes e-mail, internet and interactive television (DTH), Physical mode which includes direct postal mail and newspaper & magazine inserts and solicitation through any means of communication other than in person.

*The critical illness benefit is an accelerated benefit and the death benefit will be reduced by the critical illness cover paid to the policyholder. To know more about the illnesses covered, please refer to the product brochure. The maximum accidental death benefit available is `2 Crore.

**On maturity, you will receive an amount which is higher of Assured Benefit or fund value. 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. You can utilise this benefit amount only as per the available options. Alternatively, you can choose to postpone your vesting date. 

#Every year an amount called the Guaranteed Addition is added to the policy. Guaranteed Addition (GA) is equal to the predetermined Guaranteed Addition rate multiplied by the sum of all premiums paid till date (excluding extra mortality premiums and taxes).

Unlike traditional products, Unit Linked insurance products are subject to market risk, which affect the Net Asset Values & the customer shall be responsible for his/her decision. The names of the Company, Product names or fund options do not indicate their quality or future guidance on returns. Funds do not offer guaranteed or assured returns.

 

ICICI Pru LifeTime Classic
^The Company will allocate extra units as below provided all due premiums have been paid:

Premium payment term Loyalty Additions Wealth Boosters
(End of year 6 and 7) (End of year 8 and onwards) (End of every 5th year, starting from the end of 10th policy year)
5 years – 6 years 0.10% 0.10% 1%
7 years – 9 years 0.15% 0.30% 1%
10 years and above 0.15% 0.30% 2%
Single Pay 0.25% 0.25% 1.5%
  • ^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 anytime 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.

` The Policyholder can have funds in only one of the Portfolio Strategies. UIN: 105L155V01

 

ICICI Pru Elite Life Super
^The Company will allocate extra units as below provided all due premiums have been paid:

Premium payment term Loyalty Additions Wealth Boosters
(End of year 6 and 7) (End of year 8 and onwards) (End of every 5th year, starting from the end of 10th policy year)
5 years – 6 years 0.10% 0.10% 1%
7 years – 9 years 0.20% 0.35% 1%
10 years and above 0.20% 0.35% 2%
Single Pay 0.30% 0.30% 1.5%
  • ^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 anytime 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.

` The Policyholder can have funds in only one of the Portfolio Strategies. UIN: 105L156V01

 

ICICI Pru Elite Wealth Super
^The Company will allocate extra units as below provided all due premiums have been paid:

Premium payment term Loyalty Additions Wealth Boosters
(End of year 6 and 7) (End of year 8 and onwards) (End of every 5th year, starting from the end of 10th policy year)
5 years – 6 years 0.10% 0.10% 1%
7 years – 9 years 0.25% 0.40% 1%
10 years and above 0.25% 0.40% 2%
Single Pay 0.40% 0.40% 1%
  • ^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 anytime 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.

` The Policyholder can have funds in only one of the Portfolio Strategies. UIN: 105L15701

W/II/0219/2017-18

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