Dear Customer!

By choosing this option you will have to fill in the complete application form and you shall not be eligible for KYC Document waiver.

QUICK GUIDE

When should I buy a term plan?

The earlier you buy a Term Plan, the better it is as the premiums are lower when you are young. Also, with current lifestyles and increasing instances of illnesses, it may become difficult to get a term plan later, as you grow older.

Anil
30 years old
Non-smoker

Policy duration:
30 years

Premium:
₹866 p.m

Arun
40 years old
Non-smoker

Policy duration:
30 years

Premium:
₹1,846 p.m

Anil's Wife
30 years old
Non-smoker

Policy duration:
30 years

Premium:
₹736 p.m

Anil's Wife
40 years old
Non-smoker

Policy duration:
30 years

Premium:
₹1,569 p.m

QUICK GUIDE

Which payout option should I choose?

Before choosing the ideal payout option, you need to thoroughly evaluate your current lifestyle and the reality of your dependent family members. This will give you fair idea as to how the life cover amount needs to be paid out to your family which will not only take care of their financial needs but also ensure that they are able to manage huge sum of money (the life cover amount) without any hassle in your absence.

Monthly Income : Your term life cover will be paid to your nominee as a monthly installment for a period of 10 years/20 years/30 years (chosen at inception). This option is ideal for those who want to ensure that the burden of outstanding liabilities and monthly household expenses does not befall their loved ones while also paying affordable premiums.

Increasing Monthly Income : Your term life cover is paid out to the nominee in the form of a monthly income, which increases by 10% every year for 10 years. It has been designed to keep in mind that the financial needs of the family will keep increasing due to inflation, and they should be able to manage these without any burden.

Lump-sum : Your entire term life cover amount is paid to your nominee in one go. This is the most preferred option for our online buyers. It can help your family possibly close the pending home loan EMIs. They can also use the huge sum of money (life cover amount) to further invest it in instruments that will ensure needs like sending children abroad for higher education, is taken care of, as such an amount invested as principal and can reap high returns thus fulfilling all your family’s dreams even in your absence.

Lump-sum + Monthly Income : You can choose for your family to receive the life cover payout in 2 parts. In case of death of the policyholder, your family will get one installment as a lumpsum payout immediately and the rest in the form of monthly income for a period of 10 years/20 years/30 years (chosen at inception). This will ensure that the life cover amount can help the family with immediate needs (lumpsum) like loans as well as take care of day-to-day expenses (monthly income).

QUICK GUIDE

What is Accidental Death benefit ⁹ (optional)?

In case the policyholder dies due to an accident during the policy term, the nominee/legal heir will be paid an extra amount. A maximum cover of ₹2 crore is available with this benefit, which you can add during purchase or even after the purchase.

Anil
Age 30

Anil chooses a life cover of ₹1 crore with Accidental Death benefit cover of ₹50 lakh.

Anil
Age 45

Anil dies due to an accident and his nominee gets ₹1.5 crore

QUICK GUIDE

What is Inbuilt Terminal illness benefit ³ ?

If the policyholder is diagnosed with a terminal illness like AIDS, full sum assured is paid out immediately. This is an in-built benefit and thus, comes at no extra cost.

Anil
Age 30

Anil buys ICICI Pru iProtect Smart with a life cover of ₹1 crore

Anil
Age 45

He is diagnosed with a terminal illness. His entire life cover amount is paid to him.

QUICK GUIDE

What is Inbuilt Permanent disability benefit ⁵ ?

The policyholder does not need to pay future premiums in case of permanent disability due to an accident. The life cover continues for the entire policy term. This is an in-built benefit and thus, comes at no extra cost.

Ajay
Age 32

Ajay buys ICICI Pru iProtect Smart with a life cover of ₹1 crore and a policy term of 30 years.

Ajay
Age 45

Ajay meets with an accident and he was not able to move, climb or bend. The company waived off all his future premiums and the life insurance cover stayed in force for the entire policy term.

QUICK GUIDE

How does a term insurance calculator work?

A term insurance calculator is a tool designed to help you determine the appropriate coverage amount and premium cost for a term life insurance policy. Here's how it typically works:

You provide basic personal information such as your age, gender and whether you are a Non-Resident Indian (NRI).
You are asked about certain lifestyle factors, such as tobacco consumption, to determine your overall health, including any pre-existing medical conditions.
The term insurance premium calculator requests details about your annual income.
The term life insurance calculator assesses your occupation and educational qualifications to gauge the level of risk associated with your profession.
Your location, including your pincode and city, can impact your premium. The term insurance plan calculator collects this information to generate an accurate quote for your plan.
Once you have provided all the necessary information, the calculator will provide you with a quote, showing you the estimated premium for the specified coverage.

ADVT W/II/0866/2023-24

Your contact details

This helps us save your plan details, so that you can pick up from where you left off. We respect your privacy and won't share them with anyone else.

Mobile Number Enter valid mobile number Enter valid mobile number

Email ID Enter valid email id Enter valid email id

By submitting my details, I override my NDNC registration and authorize ICICI Prudential Life and its representatives to contact me through call,WhatsApp or E-mail. I further consent to share my information on confidential basis with third parties for evaluating and processing this proposal.

Receive quote on WhatsApp 8467 839 930

34 Critical Illnesses Cover ^##

34 Critical
Illnesses Cover ^##

Cancer of specified severity
Angioplasty
Myocardial Infarction (First Heart Attack - of specified severity)
Heart Valve Surgery (Open Heart Replacement or repair of Heart Valves)
Surgery to aorta Heart and Artery Benefit
Cardiomyopathy
Primary (Idiopathic) Pulmonary hypertension
Open Chest CABG
Blindness
End stage Lung Failure (Chronic Lung Disease)
End stage Liver Failure (Chronic Liver disease)
Kidney Failure Requiring Regular Dialysis
Major Organ/ Bone Marrow Transplant
Apallic Syndrome
Benign Brain Tumour
Brain Surgery
Coma of specified Severity
Major Head Trauma
Permanent Paralysis of Limbs
Stroke resulting in permanent symptoms
Alzheimer's Disease
Motor Neurone Disease with Permanent Symptoms
Multiple Sclerosis with Persisting Symptoms
Muscular Dystrophy
Parkinson’s Disease
Poliomyelitis
Loss of Independent Existence
Loss of Limbs
Deafness
Loss of Speech
Medullary Cystic Disease
Systematic lupus Eryth with Renal Involvement
Third degree Burns (Major Burns)
Aplastic Anaemia

Claims Corner

Claims Corner

A good claims experience is the ultimate service that an insurance company can provide to its customers. At ICICI Prudential Life, we put our customers first and have been striving to improve our claims experience over time. We have created this Claims Corner to provide you with all the key facts you might need regarding the Claims Process and History at ICICI Prudential Life.

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Volume of individual death claims ^*

Below is the volume of claims settled by us over the years

Financial Year

2018-19

2019-20

2020-21

2021-22

2022-23

Individual Death Claims Settled

10672

11212

14518

21795

13656

Amount of Claims Settled

₹827 Cr

₹1023.64 Cr

₹1504.64 Cr

₹2977.50 Cr

₹1949 Cr

The COVID-19 pandemic-related claims inflow was substantial in FY 2021–2022 but dropped off in FY 2022–2023, lessening the impact.

Solvency Ratio ^*

The Solvency Ratio tells you whether the insurer you choose will be financially capable of settling your claim if the need arises. IRDAI mandates that every life insurer should maintain a solvency ratio of at least 150%.

Solvency Ratio ^*

FY 2022-23 :

209.00%

209%

^* Source: https://s.ipru.co/hpx3gkm6

Door to Door
Claim Assistance

We have now introduced a door step claim document pick-up service. Your nominee has to simply report the claim on claimsupport@iciciprulife.com or call us on our dedicated Claim Care helpline 1860 266 7766 and our representative will be at your doorstep to collect the documents.

Door to Door Claim Assistance

We have now introduced a door step claim document pick-up service. Your nominee has to simply report the claim on claimsupport@iciciprulife.com or call us on our dedicated Claim Care helpline 1860 266 7766 and our representative will be at your doorstep to collect the documents.

Our 3-Step Claim Process

Step 1

Claim Reporting

The first step involves reporting your claims. You can report your claims online, at our branches, at our central office, on our central Claim Care helpline, through SMS or e-mail.

Step 2

Claim Processing

Our special ClaimCare team will assess your claim, and inform you in case any further documents need to be submitted.

Step 3

Claim Settlement

Once your claim is intimated, and we receive all the relevant documents, we will settle your claim ^{^} . You have to visit the branch just once.

^{^} Provided no investigation is required.

View Documents required for claims

Mandatory documents required for claim registration:

Duly filled and signed Claimant Statement Form
Recent photograph of the claimant
Death Certificate issued by local government authority of the person insured in the policy (Life Assured)
Signed copy of photo identity proof of the claimant
Current Address proof of the claimant (Any one of the following: Aadhar Card, Valid Passport or Driver’s License, Voters ID are considered as proofs)
Signed copy of PAN card / Form 60 of the claimant
Copy of cancelled cheque / bank statement / passbook of the bank account of the claimant where payment needs to be transferred

Additional documents will also be required, depending on the type of death, for faster processing of your claim.

Death due to Natural / Medical reasons
Death at hospital / Death at a place other than hospital	Death due to accident, suicide, murder
Past medical records and treatment papers All hospitalization records such as: Admission form Hospital treatment papers Discharge summary Diagnostic reports Medico-legal cause of death Employer Certificate – only if Life Assured was a salaried individual. Download the form	First Information report (FIR) Postmortem report (PMR) Inquest/ Panchnama Report Viscera /Chemical Analysis Report, if any Final Police Investigation Report Newspaper Cutting, if any Driving License Medical records and treatment papers All hospitalization records such as: Admission form Indoor Case Papers(ICPs) Discharge summary Diagnostic reports Duly filled in Medical Hospital Attendant Certificate. Download the form Medico-legal cause of death Employer Certificate – only if Life Assured was a salaried individual. Download the format
For death at a place other than hospital we will also need, Duly filled in Medical Hospital Attendant Certificate. Download the form

Note: Claim should be submitted by the nominee mentioned in the policy document.
In the event of death of the nominee, legal heir of the nominee can submit a claim by providing any one of the following documents:

• Nominee death certificate along with succession certificate

OR

• “Will” of the Life Assured or the nominee who died last OR Indemnity of Rs 600/- from the current nominee along with No Objection Certificate from the remaining legal heirs

To report a claim you will need the following documents:

Claimant's statement / claim intimation form
Attending doctor's certificate
Copy of medical records (admission notes, discharge summary and test reports)
Original policy certificate
Cancelled cheque

Fixed benefit hospitalisation claim for ICICI Pru Hospital Care or ICICI Pru Hospital Care II:

You will receive a sum as Fixed Benefit* for the number of days you were admitted in a hospital or type of surgery grade under the ICICI Pru Hospital Care and Hospital Care II policies. For reporting Fixed Benefit Hospitalisation claim, you will need the following documents:

Claimant's statement / claim intimation form
Copy of medical records (admission notes, discharge summary and test reports)
Pre-authorisation form (for cashless facility)
Attending doctor's certificate
Health check-up form (for ICICI Pru Hospital Care II)
Cancelled cheque

Indemnity Hospitalisation Claim applicable for ICICI Pru MediAssure or ICICI Pru Health Saver:

For the expenses made for hospitalisation and other related medical costs*, you will be compensated under the Indemnity Hospitalisation claim. For reporting this claim, you will need the following documents:

Claimant's statement / claim intimation form
Original discharge card
Original investigation reports
Health check-up form (for ICICI Pru Health Saver)
Original hospital/ pharmacy bills and payment receipts and records
Pre-authorisation form (for cashless facility)
Health saving benefit form (for ICICI Pru Health Saver)
Cancelled cheque

*Please read your policy document for further details.
**A rider is an extra benefit that can be purchased along with your policy for increasing your cover.

You can reach us at

We have multiple touch points available for reporting claims

Give us a call on

Claim Care cell - Open 24 X 7
(except national holidays)

1860 266 7766 (For calls within India)

+91 22 6193 0777 (For calls outside India)

Send us an e-mail

You can register a critical illness claim or death claim by sending us an e-mail at

claimsupport@iciciprulife.com

Send us a SMS

To report your claim over SMS, send a message in the format below -
SMS - ICLAIM<space>8-Digit Policy Number to 56767

Visit a branch

We have 471 branches ^# across the country and members of our ICICI Pru Life family will be there to guide your family through difficult times

^# Source: https://s.ipru.co/hpx3gkm6

OTH/II/1288/2023-24

Term Insurance for NRIs

Life insurance is essential for all people. Whether you live in India or abroad, securing your loved ones in your absence is a must. Term insurance for NRIs (Non-Resident Indians) is particularly important as living life in a foreign country can be hard for your family members if you are no longer around to provide for them. In your absence, your family can use the money to relocate to India, cover their needs abroad, find opportunities to live their life comfortably, and do a lot more.

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What are the benefits of term insurance?

Tax benefits^ on the premiums paid under Section 80C and on premiums paid towards other optional riders (based on the riders opted). The insurance payout is exempt subject to conditions prescribed under Section 10(10D) of the Income Tax Act, 1961.

Term insurance plans offer a sum assured in case something unfortunate happens to the policyholder.

Term insurance serves as an affordable ^2a way to secure the financial security of your loved ones in your absence.

Term insurance offers multiple payout methods, such as lump sum, regular income, lump sum plus regular income, and increasing cover with time. You can select anyone based on your family’s preference and lifestyle needs.

Onboarding Process for NRIs

There are 2 parts to the onboarding process:

Here is a list of documents required to buy term insurance:

• Passport copy along with entry & exit details (wherever applicable)

• NRI Questionnaire

• Visa copy

• TIN / PAN number of resident country (if available), Form 60/ PAN declaration

• KYC Documents

• Income proof documents

Based on the details filled by you in the application form, you may be asked to furnish some additional details about your NRI status.

Based on your profile you may either be eligible for a Tele Medical or a Physical medical.

The Company on case to case basis carries out a Video Medical Exam (Video MER) whereby a team of experts will interact with you over a video conferencing link and ask you few questions pertaining to your health and medical history (if any).

Decision will be provided basis prevailing underwriting guidelines and policy will be issued accordingly.