What is Rural Insurance Plans

Rural Plans are life insurance solutions that aim to give every Indian an opportunity to live his/her life with the protection of a Life Cover and the benefit of increased savings for his/her future. With Life Cover at low premiums, our rural plans are crafted to meet the requirements of people from any part of the country.


Explore our Rural Plans

Sarv Jana Suraksha Rural Plan

ICICI Pru Sarv Jana Suraksha – A Micro Insurance Plan

  • Life Cover at affordable premiums as low as ₹50
  • Security of your loved ones' future even in your absence

Anmol Bachat Rural Plan

 ICICI Pru Anmol Bachat - Non Linked Micro Insurance Term Plan

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

What are the benefits of a Rural Plan?

Our Rural Plans are designed keeping your needs and convenience in mind. From offering customized protection at low cost to a hassle-free buying process, we play an important role in bringing financial services to you.The important benefits of our Rural Plans are:

  • Lifelong security for yourself and your family at a low premium cost
  • Protection against unforeseen events with a Life Cover

1. What is rural insurance plan?

Rural insurance plan is life insurance specially designed for people from rural areas that depend on farming for their livelihood, either as agricultural workers or marginal farmers.

2. What are the tax benefits?

Tax benefits* apply to premiums paid under Section 80C and sum assured received on death under section 10 (10D) of the IT Act.

3. What are the exclusions under these rural insurance policies?

The ICICI Pru Sarv Jana Suraksha is a simple term plan where you pay premiums for only five years and on the death of the life assured during the term of the policy, the nominee receives the sum assured. No other benefits are offered. There are no survival, maturity or surrender benefits. The policy gets lapsed and risk cover ceases if the premiums are not paid within the grace period.
Under the ICICI Pru Anmol Bachat plan, you can choose the policy term between 5-15 years. Along with death benefit, this micro insurance plan also provides guaranteed pay-out^ with accrued bonuses# when the policy matures.

4. What is the duration of the policy?

The policy term for ICICI Pru Sarv Jana Suraksha plan is 5 years and for ICICI Pru Anmol Bachat plan you can choose a policy term between 5 – 15 years.


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* Tax benefits under the policy are subject to conditions under Section 80C, 80D, 10(10D) and other provisions of the Income Tax Act, 1961. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on above.

^ Guaranteed Payout is in the form of guaranteed maturity benefit. Your Guaranteed Maturity Benefit (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.

#Bonus may be declared annually from the first year and will be a percentage of the sum total of the Guaranteed Maturity Benefit and accrued reversionary bonus. Terminal Bonus may be declared by the Company and will be payable at policy maturity or on death.

ICICI Pru Sarv Jan Suraksha UIN 105N081V04

ICICI Pru Anmol Bachat UIN 105N139V03


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