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

² 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.

³In 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
• amount payable as lumpsum (if Lumpsum and Income Option is chosen as Death Benefit Payout Option at policy inception), and ₹ 3,00,000.

^* Tax benefits under the policy are subject to conditions prescribed under Section 123 (read with Schedule XV, Sr. No. 1, 2, 4 & 5), Section 11 (read with Schedule II, Sr. No. 2), and Section 202 and other applicable provisions and schedules of the Income Tax Act, 2025. Security Transaction tax (if any ) will be deducted as per prevailing tax laws. Taxes, if any will be charged extra as per applicable rates. Tax laws are subject to amendments from time to time. Please consult your tax advisor for more details.

^!a Life Cover is the benefit payable on death of the life assured during the policy term

^!jClaim settlement ratio is computed basis individual claims settled over total individual claims for the financial year. For details, refer to ICICI Financial Information- Business Presentation (FY2025).

COMP/DOC/Dec/2023/1412/4967

ICICI Pru iProtect Smart Plus. UIN:

ICICI Pru Non-Linked Health Protect Rider. UIN:

W/II/1005/2026-27