ICICI Pru Health management and wellbeing services

The Health management and wellbeing services are a thoughtfully curated suite of inbuilt services that are being provided to the Life Assured through the ICICI Pru Life customer app. These services are available when the policy is active and all due premiums have been paid.

The current list of services that can be availed by the Life Assured under his/her ICICI Pru iProtect Care policy are given below.

Please note: The details and the list of Services and the service providers will be as mentioned in the ICICI Pru Life Customer app. The Life Assured should check the above-mentioned app of the Company for the updated list of Services. The Company reserves the right to discontinue these Services or change the service provider (s) without any further intimation and at any time.

Service Frequency Total benefit worth (₹)
Teleconsultations (GP, Specialists) Unlimited 21,600
Teleconsultations (Nutritionist) Unlimited 22,500
Teleconsultations (Psychologist) Unlimited 13,000
Preventive Health Counselling Twice a year 3,000
Digital Health Risk Assessment (HRA) Once a year 500
In-person Doctor Consultation Once a year 1,000
Medical Second Opinion Once a year 2,000
Annual Health Check-up (62 Parameters including cancer screening - CA 125 for female, PSA for male) Once a year 7,000
Pregnancy Wallet (Diagnostics + OPD - ₹1,500) Once per policy term 1,500
Ambulance Assistance (Wallet of ₹ 1,000) Once a year 1,000
Network Discounts – OPD ( Up to 20% discount) Unlimited 600
Network Discounts – Diagnostics (Up to 40% discount) Unlimited 2,400
Discounted Pharmacy Ordering (Up to 20% discount) Unlimited 750
Vaccination Wallet (HPV + Flu + Other vaccines)(Up to 10% discount) Unlimited 300
Wellness Content (Sessions, Videos, Podcasts) Available -
Activity Trackers + Rewards Available -
  Total benefit worth upto 77,150

1. Who can avail these services?

These Services are for the exclusive benefit of the Life Assured. In case Life Assured is not same as proposer, only the Life Assured can only avail these services.

2. Who will provide these services?

These services shall be directly provided by third party service provider(s) as per their prevailing terms and conditions. The Company merely acts as a facilitator of these services to the Life Assured.

The company shall not be liable for any services or actions of the third-party service providers including but not limited to deficiency in services / malpractices / negligence / lapses or otherwise.

3. Can NRI’s avail these services?

Yes, but only in India.

4. When can a customer avail these services?

The services can be availed (subject to availability) any time after 30 days of policy issuance provided the policy is in-force premium paying or fully paid-up at the time of availing the service.

Eligibility of services is determined based on the company’s prevailing Board-approved Underwriting Policy (BAUP) and may be periodically reviewed. Please refer the complete list of terms and conditions as mentioned in the policy brochure for the eligibility criteria.

Service Availability:

  • These Services are for the exclusive benefit of the Life Assured and must be availed only by him/her in India. In case Life Assured and Policyholder are different, services will be available to Life Assured only
  • The details and the list of Services and the service providers will be as mentioned in the ICICI Pru Life Customer app. The Life Assured should check the above-mentioned app of the Company for the updated list of Services.
  • These Services shall be directly provided by third party service provider(s) as per their prevailing terms and conditions. The Company merely acts as a facilitator of these services to the Life Assured
  • The company shall not be liable for any services or actions of the third-party service providers including but not limited to deficiency in services / malpractices / negligence / lapses or otherwise
  • The Life Assured may exercise at their own discretion to avail the Services and/or follow the course of treatment suggested by the service provider
  • For ongoing health concerns, the Company always recommends consulting directly with Your Medical Practitioner
  • The Company reserves the right to discontinue these Services or change the service provider (s) without any further intimation and at any time
  • The services shall be accessible for a fixed duration, as defined by the Company or for the Policy Term, whichever is lower
  • The services can be availed (subject to availability) after the completion of free look period of 30 days provided the policy is in-force premium paying or fully paid-up at the time of availing the service

Eligibility & Communication:

Eligibility of services is determined based on the Company’s prevailing Board-approved Underwriting Policy (BAUP) and may be periodically reviewed.

Caution against Fraudulent Activity:

  • The use of the wellness benefits under the Policy shall be with good intent and integrity. The Life Assured and / or the Policyholder shall not encourage, indulge or act in connivance with any person involved in any fraudulent activity regarding the use of the benefits under the Policy, whether directly or indirectly, for generating personal revenue. The Life Assured and the Policyholder agree to not use the platform or the services provided therein for generating personal gain or any commercial / public use, directly or indirectly, whatsoever
  • An act may be defined as a fraudulent activity as per Company/ service provider’s internal policies subject to extant laws. Such acts may include but are not limited to any misrepresentations, concealment of facts and furnishing of incorrect information by the Life Assured and/or Policyholder
  • In the event of any fraudulent activity being carried out, the Company/ service provider shall be entitled to seek any and all remedies available under law. Additionally, the service provider shall permanently suspend the use of the benefits under the Policy, and not honour any service request, including any pending requests
  • Any fraud or misrepresentation identified will cease Health Management & Wellbeing services. The base Policy benefits shall continue and any Premiums due will continue to be payable on the respective due dates

ICICI Pru iProtect Care UIN

W/II/2363/2025-26

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