Bigger dreams deserve stronger protection

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

^**The 1st year online premium is ₹1780 p.m. and has been approximately rounded and calculated for a 19-year-old healthy male life (occupation: salaried) with monthly mode of payment and premiums paid regularly for the policy term of 27 years with income payout with Life Cover of ₹5 Cr. The actual monthly premium is ₹1778.

^## Critical Illness benefit under ICICI Pru Non-Linked Health Protect Rider: Critical Illness rider (CI benefit) is up to life cover value capped at 1.5 crore (Subjected to underwriting guidelines). Critical Illness Benefit (CI Benefit) is optional and is payable, on first occurrence of any of the 20 or 60 illnesses covered (Classic variant covers 20 illnesses and Comprehensive variant covers 60 illnesses). Medical documents confirming diagnosis of critical illness needs to be submitted. The benefit is payable only on the fulfilment of the definition of the diagnosed critical illness. The CI Benefit is an additional benefit which means the policy will continue with the life cover and other riders covers even after CI Benefit is paid. The future premiums payable under the policy will reduce proportionately. To know more in about CI Benefit, terms & conditions governing it, kindly refer to rider sales brochure. CI Benefit term would be equal to policy term or 20 years or (75-Age at entry), whichever is lower.

^° The policyholder will have an option to cancel the Policy and receive Smart Exit Benefit i.e. 100% of Total Premiums Paid under the Policy.

The following conditions are applicable for availing 100% Premium Refund:

• This option can be exercised in any policy year greater than 25 but not during the last 5 policy years, provided the age of the life assured is 60 years or more at the time of exercise.
• The Policy is in-force with all due premiums paid at the time of exercising this option.
• No claim for any of the underlying benefits has been registered and is under evaluation/ or accepted/ or paid/ being paid on the Policy.

Where, Total Premiums Paid means the total of all premiums received, excluding any extra premium, any rider premium and taxes. In case the benefit term for additional benefit(s), for which additional premium has been paid, has expired at the time of exercise of Smart Exit Benefit, then Total Premiums Paid shall exclude the premium paid towards such additional benefit(s). Please refer to sales brochure for more details.

⁵In the event of the death of the Life Assured and upon subsequent receipt of intimation of the death claim (with required supporting documents) by the Company, the Company shall pay an accelerated Death Benefit of Rs. 3,00,000/- (Rupees Three Lakhs only). This will only be applicable where sum assured is greater than or equal to ₹1 crore and is not payable in case of death of the Life Assured during the first three Policy Years from the Date of Commencement of Risk or that from the Date of Revival of the policy whichever is later. The immediate payout will be done within 1 working day from the Claim Registration Date, subject to submission of required documents. In case, after the evaluation or investigation of the claim records, it is found that the Death Benefit (including the applicable accelerated death benefit) is not payable to the Claimant owning to any reason whatsoever, the Claimant shall refund the entire amount paid towards accelerated Death Benefit within 7 days of receipt of communication. In case the policyholder has opted for a Death Benefit Payout Option whereby a part or the whole of the death benefit is payable in monthly instalments; this accelerated death benefit amount will be the lowest of:

• monthly income applicable in the first month as per the Death Benefit Payout Option chosen at policy inception
• The Policy is in-force with all due premiums paid at the time of exercising this option.
• amount payable as lumpsum (if Lumpsum and Income Option is chosen as Death Benefit Payout Option at policy inception), and ₹ 3,00,000.

⁹Accidental Death benefit (ADB) is up to ₹3 crores (Subject to underwriting guidelines). ADB is available in Life Plus option. In case of death due to an accident Accidental Death Benefit will be paid out in addition to Death Benefit. Accidental Death Benefit policy term will be equal to the policy term of death benefit or (85-Age at entry), whichever is lower.

^SA discount as follows will be offered on first year’s premium of Death Benefit (excluding rider premiums, underwriting extra premiums and taxes) to salaried customers:

^'The online discount percentages vary according to age, policy term, premium payment term and sum assured chosen by the customer and can range between 1%-5%. The exact 5% discount appears at the following scenario: ₹ 50 lakh of life cover for a 30-year-old healthy non-smoker male (occupation: non-salaried) for a policy term of 35 years with regular pay and lumpsum payout option. The offline monthly premium inclusive of taxes will be ₹876 & online annual premium inclusive of taxes will be ₹832.

^FFlat 15% lifetime discount is applicable for females as compared to male lives for across all sum-assured, Policy Term, Premium Payment Term and age combinations. The discount is only available on the base premium.

^VThe Life Assured will get access to a carefully curated suite of inbuilt health management & well-being services. These inbuilt Services are applicable only if the policy is in force with all due premiums paid to date. The Life Assured can enjoy these inbuilt benefits from our ICICI Pru Life Customer app. These services are complementary and offered at no additional cost to the Policyholder. These services can be availed (subject to availability) after 30 days from the date of issuance of the policy. Please refer to the policy brochure for the complete list of terms and conditions as applicable for availing the services. Health & management services worth up to ₹92,100 available for women policyholders and up to ₹67,100 available for male policyholders.

^LYou can choose to increase the Death Benefit at the key milestones of marriage, child birth/ adoption of child or disbursement of a home loan provided this feature is exercised within 6 months from the date of the event, age of the policy holder is less than 50 years, no claim has been admitted for any benefits under the policy and the policy is in force.

On exercising the option, you will have to pay an additional premium for the additional Sum Assured for the outstanding term of the policy based on your then age. This feature is available only with Regular premium payment option. Such increase in sum assured is only applicable to base death benefit.

^ijClaim settlement ratio is computed basis individual claims settled over total individual claims for the financial year. For details, refer to ICICI Prudential Financial Information- Business Presentation (FY2026).

ICICI Pru iProtect Smart Plus UIN: (A Non-Participating Non-Linked Life Individual Pure Risk Insurance Product)

COMP/DOC/Jul/2024/127/6674

W/II/1050/2026-27