¹Terminal Illness Under this option, in the event of earlier of death or terminal illness of the Life Assured during the policy term, sum assured will be paid out as described above as per life cover payout option. 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.

²LifeCover is the benefit payable on death of the life assured during the policy term.

³100% return of premiums refers to the total of all premiums paid under the base product, excluding any extra premium, any rider premium i.e. ICICI Pru Non-linked Accidental Death and Disability Rider, and taxes, if any.

⁴Accidental total and permanent disability benefit option: 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. For more details, kindly refer to the Rider policy document.

⁵ A discount as follows will be offered on first year’s premium of Death Benefit, Terminal Illness (excluding rider premiums, underwriting extra premiums and taxes) to salaried customers opting for sum assured greater than or equal to ₹10,000,000:

⁶Tax benefits: Tax benefits may be available as per prevailing tax laws. Tax benefits under the policy are subject to prevailing conditions and provisions of the Income Tax Act, 1961. Goods and Services Tax and Cesses, if any, will be charged extra as per applicable rates. The tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on above.

⁷Nothing 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.

⁸ You can choose to increase the level of life cover at the key milestones of marriage and child birth/ adoption of child without any medicals, provided no claim has been admitted for any benefits (including rider 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 the then age of the Life Assured. This feature is available only with Regular premium payment option. Such increase in sum assured is only applicable to base product life cover and not rider cover

ICICI Pru iProtect Supreme - UIN:

ICICI Pru Non-Linked Accidental Death and Disability Rider - UIN:

ADVT: W/II/0728/2024-25