1 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 fulfillment of the definition of the diagnosed critical illness. On payment of the CI Benefit, the CI benefit option will terminate and all rights, benefits and interests under this option will stand extinguished, and no further premiums are payable for the CI benefit. 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. 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.
3 Accidental Death benefit (ADB) option available through ICICI Pru Non-Linked Accidental Death and Disability Rider up to ₹3 crores (Subject to underwriting guidelines). 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. To know more about the ADB Benefit and the terms & conditions governing it, kindly refer to rider sales brochure.
4 Premium Break: You can get Premium Break under the product for a period of 12 months commencing from the policy anniversary for which premium break has been opted for. During this Premium Break Period, the premium (including the rider(s) premium, additional premium (if any) for the other inbuilt benefits, any underwriting extra premium, loadings for modal premiums, cesses and levies, etc. if any) due and payable for the said period will be deferred till the next policy anniversary (“Deferred Amount”) but the risk cover under the policy and rider(s) will continue as per the terms and conditions of the policy and rider(s), respectively. In case of any claim under the Policy on the happening of any insured event during this period, the policyholder will receive the eligible claim amount under the policy after deducting all the deferred amount. To be eligible for Premium Break, the Policy must be in-force and the premiums must have been paid for a minimum of five Policy Years from the Date of Commencement of Risk. This benefit option can be availed multiple times with at least 5 policy years between two Premium Break periods. The Premium Break will not be available during the last 3 policy years of the premium payment term. The Deferred Amount along with the next due Premium is to be paid within the Grace period applicable for the premium due at the next Policy Anniversary after the commencement of the Premium Break Period to ensure continuance of the risk cover under the policy.
5 In 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 only if the policy is in-force, and where sum assured is greater than or equal to ₹1 crore and this 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
- ₹ 3,00,000
7 Accidental total and permanent disability benefit option available through ICICI Pru Non-Linked Accidental Death and Disability Rider: If the life assured covered by this benefit option become totally, continuously and permanently disabled as a result of accident i.e., Accidental Total Permanent Disability and meets any of 3 clauses as defined in the policy document, the Accidental Total and Permanent Disability Sum Assured will be paid out as a lump sum to the nominee. On payment of the Accidental total and permanent disability Sum Assured to the Claimant, the benefit option will terminate and all rights, benefits and interests under the option will stand extinguished. This benefit is optional. For more details, kindly refer to the Rider policy document.
F Flat 15% lifetime discount is applicable for females as compared to male lives across all sum-assured, Policy Term, Premium Payment Term and age combinations. The discount is only available on the base premium.
V1 Health care is available through the health management and wellness services under the product. The Life Assured will get access to a carefully curated suite of inbuilt health management & wellbeing 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 are offered at no additional cost to the Policyholder. These services can be availed 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. For details visit
!c MWPA: Nothing herein contained shall operate to destroy or impede the right of any creditor to be paid out of the proceeds of any policy of assurance, which may have been effected with intent to defraud creditors. In case of any third-party claim in the Courts of India with regards to the insurance proceeds, the amount shall be subject to the judiciary directions. Please seek professional legal advice for the applicability of this provision.
6 A Life Assured shall be regarded as Terminally Ill only if that Life Assured is diagnosed as suffering from a condition which, in the opinion of two independent medical practitioner’s specializing in treatment of such illness, is highly likely to lead to death within 6 months. The terminal illness must be diagnosed and confirmed by medical practitioner’s registered with the Indian Medical Association and approved by the Company. The Company reserves the right for independent assessment. Terminal Illness Benefit only accelerates the Death Benefit payable under the policy and is not an additional benefit. On payment of this benefit, the policy will terminate and all rights, benefits and interests under the policy will stand extinguished. Terminal Illness benefit will not be applicable in case the policy is sourced through POS personnel
ICICI Pru iProtect Care UIN
W/II/2297/2025-26
