🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 70 (from laksa080)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa070.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.iciciprulife.com/health-insurance/critical-illnesses.html\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.iciciprulife.com/health-insurance/critical-illnesses.html\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.iciciprulife.com\/health-insurance\/critical-illnesses.html","crawl_time":1775790680,"first_indexed_time":1547947539,"http_code":200,"src_unparsed":"com,iciciprulife!www,\/health-insurance\/critical-illnesses.html s443","src_root_hash":"17773999737620537870","history_drop_reason":null,"meta_title":"List of 34 Critical Illnesses Covered | ICICI Prulife","meta_descriptions":["Find the list of 34 Critical Illnesses that are covered by ICICI Prulife. Learn about different types of critical illnesses & make an informed decision about your life insurance policy."],"attrs_boilerpipe_text":"1. Cancer of Specified Severity\nA malignant tumour characterised by the uncontrolled growth & spread of malignant cells with invasion & destruction of normal tissues. This diagnosis must be supported by histological evidence of malignancy & confirmed by a pathologist. The term cancer includes leukemia, lymphoma and sarcoma.\nThe following are excluded –\n1.\nTumours showing the malignant changes of carcinoma in situ & tumours which are histologically described as premalignant or noninvasive, including but not limited to: Carcinoma in situ of breasts, Cervical dysplasia CIN-1, CIN -2 & CIN-3.\n2.\nAny skin cancer other than invasive malignant melanoma\n3.\nAll tumours of the prostate unless histologically classified as having a Gleason score greater than 6 or having progressed to at least clinical TNM classification T2N0M0.\n4.\nPapillary micro - carcinoma of the thyroid less than 1 cm in diameter\n5.\nChronic lymphocyctic leukaemia less than RAI stage 3\n6.\nMicrocarcinoma of the bladder\n7.\nAll tumours in the presence of HIV infection\n2. Angioplasty\n#\nMeans the actual undergoing for the first time of Coronary Artery Balloon Angioplasty and \/or the insertion of a stent to correct a narrowing of minimum 60% stenos is, of one or more major Coronary arteries as shown by Angiographic evidence.\nThe revascularisation must be considered medically necessary by a consultant Cardiologist.\nCoronary arteries herein refer only to Left Main Stem, Left Anterior Descending, Circumflex and Right Coronary Artery.\nIntra Arterial investigative procedures and Diagnostic Angiography are not included.\nEvidence required: In addition to the other documents, the Company shall require the following:\nCoronary Angiography Report – Pre and post Angioplasty or Other Invasive Treatment as defined above\nDischarge Card of the hospital where the procedure was done\n3. Heart Attack\nThe first occurrence of myocardial infarction which means the death of a portion of the heart muscle as a result of inadequate blood supply to the relevant area. The diagnosis for this will be evidenced by all of the following criteria:\n1.\nA history of typical clinical symptoms consistent with the diagnosis of Acute Myocardial Infarction (for e.g. typical chest pain)\n2.\nNew characteristic electrocardiogram changes\n3.\nEvation of infarction specific enzymes, Troponins or other specific biochemical markers.\nThe following are excluded:\n1.\nNon-ST-segment elevation myocardial infarction (NSTEMI) with elevation of Troponin I or T;\n2.\nOther acute Coronary Syndromes\n3.\nAny type of angina pectoris.\n4. Heart Valve Surgery\nThe actual undergoing of open-heart valve surgery is to replace or repair one or more heart valves, as a consequence of defects in, abnormalities of, or disease-affected cardiac valve(s). The diagnosis of the valve abnormality must be supported by an echocardiography and the realization of surgery has to be confirmed by a specialist medical practitioner. Catheter based techniques including but not limited to, balloon valvotomy\/valvuloplasty are excluded.\n5. Surgery to Aorta\nThe actual undergoing of major surgery to repair or correct an aneurysm, narrowing, obstruction or dissection of the aorta through surgical opening of the chest or abdomen. For the purpose of this definition, aorta shall mean the thoracic and abdominal aorta but not its branches.\n6. Cardiomyopathy\nAn impaired function of the heart muscle, unequivocally diagnosed as Cardiomyopathy by a Registered Medical Practitioner who is a cardiologist, and which results in permanent physical impairment to the degree of New York Heart Association classification Class III or Class IV, or its equivalent, based on the following classification criteria:\nClass III - Marked functional limitation. Affected patients are comfortable at rest but performing activities involving less than ordinary exertion will lead to symptoms of congestive cardiac failure.\nClass IV - Inability to carry out any activity without discomfort. Symptoms of congestive cardiac failure are present even at rest. With any increase in physical activity, discomfort will be experienced. The Diagnosis of Cardiomyopathy has to be supported by echographic findings of compromised ventricular performance. Irrespective of the above, Cardiomyopathy directly related to alcohol or drug abuse is excluded.\n7. Primary Pulmonary hypertension\nPrimary Pulmonary Hypertension with substantial right ventricular enlargement confirmed by a Cardiologist with the help of investigations including Cardiac Catheterization (cardiac catheterization proving the pulmonary pressure to be above 30 mm of Hg), resulting in permanent irreversible physical impairment of at least Class IV of the New York Heart Association (NYHA) Classification of Cardiac Impairment and resulting in the Life Insured being unable to perform his \/ her usual occupation.\nThe NYHA Classification of Cardiac Impairment (Source: “Current Medical Diagnosis and Treatment – 39th Edition”):\n1.\nClass I: No limitation of physical activity. Ordinary physical activity does not cause undue fatigue, dyspnoea, or anginal pain.\n2.\nClass II: Slight limitation of physical activity. Ordinary physical activity results in symptoms.\n3.\nClass III: Marked limitation of physical activity. Comfortable at rest, but less than ordinary activity causes symptoms\n4.\nClass IV: Unable to engage in any physical activity without discomfort. Symptoms may be present even at rest.\n8. CABG\nThe actual undergoing of open chest surgery for the correction of one or more coronary arteries, which is\/are narrowed or blocked, by coronary artery bypass graft (CABG). The diagnosis must be supported by a coronary angiography and the realization of surgery has to be confirmed by a specialist medical practitioner.\nExcluded are:\n1.\nAngioplasty and\/or any other intra-arterial procedures\n2.\nAny key-hole or laser surgery\n9. Blindness\nTotal and irreversible loss of sight in both eyes as a result of illness or accident. The blindness must be confirmed by an Ophthalmologist.\n10. Chronic Lung Disease\nEnd stage lung disease causing chronic respiratory failure, where all of the following criteria are met:\n(a)\nPermanent oxygen therapy is required;\n(b)\nA consistent forced expiratory volume (FEV1) test value of less than one (1) liter (during the first second of a forced exhalation);\n(c)\nBaseline arterial blood gas analysis showing arterial partial oxygen pressure at a level of fifty-five (55) mmHg or less; and\n(d)\nDyspnea at rest.\nThe diagnosis must be confirmed by a respiratory physician\n11. Chronic Liver Disease\nEnd Stage liver failure as evidenced by all of the following:\n(a)\nPermanent jaundice;\n(b)\nAscites; and\n(c)\nHepatic encephalopathy.\n(d)\nEsophageal or Gastric Varices and Portal Hypertension\nIrrespective of the above, liver failure due or related to alcohol or drug abuse is excluded.\n12. Kidney Failure\nEnd stage renal disease presenting as chronic irreversible failure of both kidneys to function, as a result of which either regular renal dialysis (hemodialysis or peritoneal dialysis) is instituted or renal transplantation is carried out. Diagnosis has to be confirmed by a specialist medical practitioner.\n13. Major Organ\/ Bone Marrow Transplant\nI.\nThe actual undergoing of a transplant of:\n \ni.\nOne of the following human organs: heart, lung, liver, kidney, pancreas, that resulted from irreversible end-stage failure of the relevant organ, or\n \nii.\nHuman bone marrow using haematopoietic stem cells. The undergoing of a transplant has to be confirmed by a specialist medical practitioner.\nII.\nThe following are excluded:\n \ni.\nOther stem-cell transplants\n \nii.\nWhere only islets of langerhans are transplanted\n14. Apallic Syndrome\nUniversal necrosis of the brain cortex, with the brain stem intact. Diagnosis must be definitely confirmed by a Registered Medical practitioner who is also a neurologist holding such an appointment at an approved hospital. This condition must be documented for at least one (1) month.\nThe definition of approved hospital will be in line with Guidelines on Standardization in Health Insurance and as defined below:A hospital means any institution established for in- patient care and day care treatment of sickness and \/ or injuries and which has been registered as a hospital with the local authorities, wherever applicable, and is under the supervision of a registered and qualified medical practitioner AND must comply with all minimum criteria as under:\n-\nHas at least 10 inpatient beds, in those towns having a population of less than 10,00,000 and 15 inpatient beds in all other places;\n-\nHas qualified nursing staff under its employment round the clock;\n-\nHas qualified medical practitioner (s) in charge round the clock;\n-\nHas a fully equipped operation theatre of its own where surgical procedures are carried out\n-\nMaintains daily records of patients and will make these accessible to the Insurance company’s authorized personnel.\n15. Benign Brain Tumour\nA benign intracranial tumour where the following conditions are met:\ni.\nThe tumour is life threatening;\nii.\nIt has caused damage to the brain; and\niii.\nIt has undergone surgical removal or, if inoperable, has caused a permanent neurological deficit.\nThe following are excluded: cysts, granulomas, vascular malformations, haematomas, tumours of the pituitary gland or spine, tumours of the acoustic nerve, Calcification, Meningiomas.\nIts presence must be confirmed by a neurologist or neurosurgeon and supported by findings on Magnetic Resonance Imaging, Computerised Tomography, or other reliable imaging techniques.\n16. Brain Surgery\nThe actual undergoing of surgery to the brain, under general anaesthesia, during which a Craniotomy is performed. Burr hole and brain surgery as a result of an accident is excluded. The procedure must be considered necessary by a qualified specialist and the benefit shall only be payable once corrective surgery has been carried out.\n17. Coma\nA state of unconsciousness with no reaction or response to external stimuli or internal needs. This diagnosis must be supported by evidence of all of the following:\nNo response to external stimuli continuously for at least 96 hours;\nLife support measures are necessary to sustain life; and\nPermanent neurological deficit which must be assessed at least 30 days after the onset of the coma\nThe condition has to be confirmed by a specialist medical practitioner. Coma resulting directly from alcohol or drug abuse is excluded.\n18. Major Head Trauma\nAccidental head injury resulting in permanent neurological deficit to be assessed no sooner than six (6) weeks (and documented for at least 3 months) from the date of the Accident. This diagnosis must be confirmed by a Registered Medical practitioner who is also a neurologist and supported by unequivocal findings on Magnetic Resonance Imaging, Computerized Tomography, or other reliable imaging techniques. The Accident must be caused solely and directly by accidental, violent, external and visible means and independently of all other causes. The resultant permanent functional impairment must result in an inability to perform at least 3 of the Activities of Daily Living as defined in the policy either with or without the aid of mechanical equipment, special devices or other aids or adaptations\nThe following are excluded:\n(a)\nSpinal cord injury; and\n(b)\nHead injury due to any other causes.\nThe Activities of Daily Living are:\n1.\nWashing: the ability to wash in the bath or shower (including getting into and out of the bath or shower) or wash satisfactorily by other means;\n2.\nDressing: the ability to put on, take off, secure and unfasten all garments and, as appropriate, any braces, artificial limbs or other surgical appliances;\n3.\nTransferring: the ability to move from a bed to an upright chair or wheelchair and vice versa;\n4.\nMobility: the ability to move indoors from room to room on level surfaces;\n5.\nToileting: the ability to use the lavatory or otherwise manage bowel and bladder functions so as to maintain a satisfactory level of personal hygiene;\n6.\nFeeding: the ability to feed oneself once food has been prepared and made available.\n19. Permanent Paralysis of limbs\nTotal and irreversible loss of use of two or more limbs as a result of injury or disease of the brain or spinal cord. A specialist medical practitioner must be of the opinion that the paralysis will be permanent with no hope of recovery and must be present for more than 3 months.\n20. Stroke resulting in permanent symptoms\nAny cerebrovascular incident producing permanent neurological sequelae. This includes infarction of brain tissue, thrombosis in an intracranial vessel, haemorrhage and embolisation from an extracranial source. Diagnosis has to be confirmed by a specialist medical practitioner and evidenced by typical clinical symptoms as well as typical findings in CT Scan or MRI of the brain. Evidence of permanent neurological deficit lasting for at least 3 months has to be produced.\nThe following are excluded:\nTransient ischemic attacks (TIA)\nTraumatic injury of the brain\nVascular disease affecting only the eye or optic nerve or vestibular functions.\n21. Alzheimer's Disease\nDeterioration or loss of intellectual capacity as confirmed by clinical evaluation and imaging tests, arising from Alzheimer's Disease or irreversible organic disorders, resulting in significant reduction in mental and social functioning requiring the continuous supervision of the Life Assured. This diagnosis must be supported by the clinical confirmation of an appropriate Registered Medical practitioner who is also a neurologistand supported by the Company’s appointed doctor.\nThe following are excluded:\ni.\nNon-organic disease such as neurosis and psychiatric illnesses; and\nii.\nAlcohol-related brain damage\niii.\nAny other type of irreversible organic disorder\/dementia\n22. Motor Neurone Disease with permanent symptoms\nMotor neurone disease diagnosed by a specialist medical practitioner as spinal muscular atrophy, progressive bulbar palsy, amyotrophic lateral sclerosis or primary lateral sclerosis. There must be progressive degeneration of corticospinal tracts and anteriorhorn cells or bulbar efferent neurons. There must be current significant and permanent functional neurological impairment with objective evidence of motor dysfunction that has persisted for a continuous period of at least 3 months.\n23. Multiple Sclerosis with persisting symptoms\nThe definite occurrence of multiple sclerosis. The diagnosis must be supported by all of the following:\ni.\nInvestigations including typical MRI and CSF findings, which unequivocally confirm the diagnosis to be multiple sclerosis;\nii.\nThere must be current clinical impairment of motor or sensory function, which must have persisted for a continuous period of at least 6 months, and\niii.\nWell documented clinical history of exacerbations and remissions of said symptoms or neurological deficits with at least two clinically documented episodes at least one month apart.\nOther causes of neurological damage such as SLE and HIV are excluded.\n24. Muscular Dystrophy\nDiagnosis of muscular dystrophy by a Registered Medical Practitioner who is a neurologist based on three (3) out of four (4) of the following conditions:\n(a)\nFamily history of other affected individuals;\n(b)\nClinical presentation including absence of sensory disturbance, normal cerebro- spinal fluid and mild tendon reflex reduction;\n(c)\nCharacteristic electromyogram; or\n(d)\nClinical suspicion confirmed by muscle biopsy.\nThe condition must result in the inability of the Life Assured to perform (whether aided or unaided) at least three (3) of the six (6) ‘Activities of Daily Living’ as defined, for a continuous period of at least six (6) months.\n25. Parkinson's Disease\nUnequivocal Diagnosis of Parkinson’s Disease by a Registered Medical Practitioner who is a neurologist where the condition:\n(a)\nCannot be controlled with medication;\n(b)\nShows signs of progressive impairment; and\n(c)\nActivities of Daily Living assessment confirms the inability of the Insured to perform at least three (3) of the Activities of Daily Living as defined in the Policy, either with or without the use of mechanical equipment, special devices or other aids or adaptations in use for disabled persons.\nDrug-induced or toxic causes of Parkinson’s disease are excluded.\n26. Poliomyelitis\nThe occurrence of Poliomyelitis where the following conditions are met:\n1.\nPoliovirus is identified as the cause and is proved by Stool Analysis,\n2.\nParalysis of the limb muscles or respiratory muscles must be present and persist for at least 3 months.\n27. Loss of Independent Existence\nConfirmation by a Consultant Physician of the loss of independent existence due to illness or trauma, lasting for a minimum period of 6 months and resulting in a permanent inability to perform at least three (3) of the following Activities of Daily Living\nActivities of Daily Living:\n1.\nWashing: the ability to wash in the bath or shower (including getting into and out of the bath or shower) or wash satisfactorily by other means;\n2.\nDressing: the ability to put on, take off, secure and unfasten all garments and, as appropriate, any braces, artificial limbs or other surgical appliances;\n3.\nTransferring: the ability to move from a bed to an upright chair or wheelchair and vice versa;\n4.\nMobility: the ability to move indoors from room to room on level surfaces;\n5.\nToileting: the ability to use the lavatory or otherwise manage bowel and bladder functions so as to maintain a satisfactory level of personal hygiene;\n6.\nFeeding: the ability to feed oneself once food has been prepared and made available.\n28. Loss of Limbs\nThe loss by severance of two or more limbs, at or above the wrist or ankle. Loss of Limbs resulting directly or indirectly from self-inflicted injury, alcohol or drug abuse is excluded.\n29. Deafness\nTotal and irreversible loss of hearing in both ears as a result of illness or accident. This diagnosis must be supported by audiometric and sound threshold tests provided and certified by an Ear, Nose, and Throat (ENT) specialist. Total means “the loss of at least 80 decibels in all frequencies of hearing” in both ears.\n30. Loss of Speech\nTotal and irrecoverable loss of the ability to speak as a result of injury or disease to the Vocal Cords. The inability to speak must be established for a continuous period of 12 months. This diagnosis must be supported by medical evidence furnished by an Ear, Nose, and Throat (ENT) specialist.\nAll psychiatric related causes are excluded.\n31. Medullary Cystic Disease\nMedullary Cystic Disease where the following criteria are met:\na)\nThe presence in the kidney of multiple cysts in the renal medulla accompanied by the presence of tubular atrophy and interstitial fibrosis;\nb)\nClinical manifestations of anaemia, polyuria, and progressive deterioration in kidney function; and\nc)\nThe Diagnosis of Medullary Cystic Disease is confirmed by renal biopsy. Isolated or benign kidney cysts are specifically excluded from this benefit.\nIsolated or benign kidney cysts are specifically excluded from this benefit.\n32. Systematic lupus Eryth. w. Renal Involvement\nMulti-system, autoimmune disorder characterized by the development of auto-antibodies, directed against various self-antigens. For purposes of the definition of “Critical Illness”, SLE is restricted to only those forms of systemic lupus erythematosus, which involve the kidneys and are characterized as Class III, Class IV, Class V or Class VI lupus nephritis under the Abbreviated International Society of Nephrology\/Renal Pathology Society (ISN\/RPS) classification of lupus nephritis (2003) below based on renal biopsy. Other forms such as discoid lupus, and those forms with only hematological and joint involvement are specifically excluded.\nAbbreviated ISN\/RPS classification of lupus nephritis (2003):\nClass I - Minimal mesangial lupus nephritis\nClass II - Mesangial proliferative lupus nephritis\nClass III - Focal lupus nephritis\nClass IV - Diffuse segmental (IV-S) or global (IV-G) lupus nephritis\nClass V - Membranous lupus nephritis\nClassVI - Advanced sclerosing lupus nephritis the final diagnosis must be confirmed by a certified doctor specialising in Rheumatology and Immunology.\n33. Major Burns\nThird degree (i.e. full thickness skin destruction) burns covering at least twenty percent (20%) of the total body surface area.\nThe condition should be confirmed by a Consultant Physician.  Burns arising due to self-infliction are excluded.\n34. Aplastic Anaemia\nIrreversible persistent bone marrow failure which results in anaemia, neutropenia and thrombocytopenia requiring treatment with at least two (2) of the following:\n(a)\nBlood product transfusion;\n(b)\nMarrow stimulating agents;\n(c)\nImmunosuppressive agents; or\n(d)\nBone marrow transplantation.\nThe Diagnosis of aplastic anaemia must be confirmed by a bone marrow biopsy. Two out of the following three values should be present:\n-\nAbsolute Neutrophil count of 500 per cubic millimetre or less;\n-\nAbsolute Reticulocyte count of 20,000 per cubic millimetre or less; and\n-\nPlatelet count of 20,000 per cubic millimetre or less.\n* The CI Benefit for Angioplasty is subject to a maximum of Rs. 5,00,000. On payment of Angioplasty, if the CI Benefit is more than Rs. 5,00,000 the policy will continue for other CIs with CI Benefit reduced by Angioplasty payout and correspondingly Life cover reduced by the same amount. The future premiums payable for the residual CI Benefit and correspondingly reduced Life Cover will reduce proportionately.\nTerms and Conditions\nWaiting period for Critical Illness Benefit:\n1.\nThe benefit shall not apply or be payable in respect of any Critical Illness of which the symptoms have occurred or for which care, treatment, or advice was recommended by or received from a Physician, or which first manifested itself or was contracted during the first six months from the Policy issue date or 3 months from the policy reinstatement date where the policy has lapsed for more than 3 months.\n2.\nIn the event of occurrence of any of the scenarios mentioned above, or in case of a death claim, where it is established that the Life Assured was diagnosed to have any one of the covered critical illness during the waiting period for which a critical illness claim could have been made, the Company will refund all premiums paid from risk commencement date of the policy or from the date of reinstatement as applicable and the policy will terminate.\n3.\nNo waiting period applies where Critical Illness is due to accident.\nExclusions for Critical Illness Benefit:\nNo CI benefit will be payable in respect of any listed condition arising directly or indirectly from, though, in consequence of or aggravated by any of the following:\n1.\nPre-Existing Conditions or conditions connected to a Pre-Existing Condition will be excluded. Pre-Existing is any condition for which the Life Assured had signs, or symptoms, and\/ or were diagnosed, and \/ or received medical advice \/ treatment within 48 months to prior to the first policy issued by the Company will be excluded.\n2.\nExistence  of  any  Sexually  Transmitted  Disease (STD) and its related complications or Acquired Immune Deficiency Syndrome (AIDS) or the presence of any Human Immuno-deficiency Virus (HIV)\n3.\nSelf-inflicted injury, suicide, insanity and deliberate participation of the life insured in an illegal or criminal act.\n4.\nUse of intoxicating drugs \/ alcohol \/ solvent, taking of drugs except under the direction of a qualified medical practitioner.\n5.\nWar – whether declared or not, civil commotion, breach of law with criminal intent, invasion, hostilities (whether war is declared or not), rebellion, revolution, military or usurped power or wilful participation in acts of violence.\n6.\nAviation other than as a fare paying passenger or crew in a commercial licensed aircraft.\n7.\nTaking part in any act of a criminal nature.\n8.\nTreatment  for  injury  or  illness  caused  by  avocations  \/  activities  such  as hunting, mountaineering, steeple-chasing, professional sports, racing of any kind, scuba diving, aerial sports, activities such as hand-gliding, ballooning, deliberate exposure to exceptional danger.\n9.\nRadioactive contamination due to nuclear accident.\n10.\nFailure to seek or follow medical advice, the Life assured has delayed medical treatment in order to circumvent the waiting period or other conditions and restriction applying to this policy.\n11.\nAny treatment of a donor for the replacement of an organ.\n12.\nA congenital condition of the insured.","attrs_markdown":"Toggle navigation\n\n[Search]()\n\n[Login]()\n\n[![icici prudential life insurance](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/navHeader.svg)](https:\/\/www.iciciprulife.com\/)\n\n×\n\n- [about us](https:\/\/www.iciciprulife.com\/about-us\/company-overview.html)\n- [Public Disclosure](https:\/\/www.iciciprulife.com\/about-us\/investor-relations\/yearly-public-disclosures.html?ID=about3)\n- [contact us](https:\/\/www.iciciprulife.com\/contact-us.html)\n- [Join Us]()\n  - 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[ICICI Pru Saral Jeevan Bima *(New)*With instant issuance](https:\/\/www.iciciprulife.com\/life-insurance\/icici-pru-saral-jeevan-bima-plan.html)\n      - Instant issuance\\# with 0 paperwork\n      - Affordable life cover1 with 0% GST on premiums\n      - Digital income verificationD with no income proof requiredI\n      - Exclusively for salaried person with income greater than ₹10 Lakh\n      - Up to 15%S salaried discount on 1st year premiums + up to 5%\\` lifetime online discount\n      \n      [Check Eligibility](https:\/\/www.iciciprulife.com\/life-insurance\/saral-jeevan-bima-buy-online-calculator.html?UID=55475)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Saral_Jeevan_Bima_Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/life-insurance\/icici-pru-saral-jeevan-bima-plan.html)\n      \n      W\/II\/1360\/2025-26\n    - [ICICI Pru iProtect Smart Plus Monthly Income Payout](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-term-insurance-calculator.html?UID=2399&persona=monthlyincome)\n      - Claim amount paid to nominee in monthlyD1 instalments\n      - Up to 5%\\` Online Discount (Lifetime)\n      - Up to 15%S Salaried Discount (For 1st Year premium)\n      - In-built Terminal Illness Benefit6 and 12-month premium break4 option\n      - Optional 60 Critical Illnesses2 cover & Accidental Death Benefit3 cover\n      \n      [check premium](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-term-insurance-calculator.html?UID=39919&persona=monthlyincome)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_iProtect_Smart_Plus_Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-plus-term-plan.html?UID=39385)\n      \n      W\/II\/1316\/2023-24\n    - [ICICI Pru iProtect Smart Plus(Term Plan for Women)](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-term-insurance-calculator.html?UID=41117&persona=Working_Women)\n      - Affordable High Life Cover1 to protect your family\n      - Flat 15%F Discount for Women on Life Cover (Lifetime)\n      - Up to 5%\\` Online Discount (Lifetime)\n      - Up to 15%S Salaried Discount (For 1st Year premium)\n      - 60 Critical Illnesses Cover2 (Optional)\n      - Tax benefit\\* on premiums paid and tax-free\\*\\* claims payout\n      \n      [check premium](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-term-insurance-calculator.html?UID=41117&persona=Working_Women)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_iProtect_Smart_Plus_Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-plus-term-plan.html?UID=41117)\n      \n      W\/II\/0354\/2024-25\n    - [ICICI Pru iProtect Super(No income documents requiredI)](https:\/\/www.iciciprulife.com\/term-insurance\/buy-iprotect-super-online.html?UID=43644)\n      - Affordable Life cover1 to protect your family: No Income Documents RequiredI\n      - 12-month Premium BreakP @ ₹0 extra cost\n      - Terminal Illness Benefit6 and 100% Premium Refund3 option @ ₹0 extra cost\n      - Optional Additional Accidental Death4 and Disability5 rider\n      - On 1st Year Premium: 12%\\! Online Discount & 7%L Loyalty Discount\n      - Flat 15%F Lifetime Female Discount\n      \n      [check premium](https:\/\/www.iciciprulife.com\/term-insurance\/buy-iprotect-super-online.html?UID=43644)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_iProtect_Super_Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/term-insurance\/iprotect-super-term-plan.html?UID=43644)\n    - [ICICI Pru iProtect Care](https:\/\/www.iciciprulife.com\/term-insurance\/icici-pru-iprotect-care.html)\n      - Life cover1 to provide coverage against death and terminal illness\n      - Complimentary health management and wellbeing services2\n      - 15% lower premiums for women3 as compared to male lives\n      - Option of Premium Break4 to defer premiums by 12 months\n      \n      [check premium](https:\/\/www.iciciprulife.com\/term-insurance-plans\/icici-pru-iprotect-care-term-calculator.html?UID=56631)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_iProtect_Care_Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/term-insurance\/icici-pru-iprotect-care.html)\n  - [Term Insurance with Returns]()\n    - [ICICI Pru iProtect Smart Plus(Smart Exit Option)](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-term-insurance-calculator.html?UID=2399&persona=smartexit)\n      - Affordable High Life Cover2a to protect your family\n      - 100% Total Premium Refund° option\n      - Optional 60 Critical Illnesses2 cover of up to ₹ 1.5 crore\n      - Optional Accidental Death Benefit3 cover of up to ₹ 3 crore\n      - In-built Terminal Illness Benefit6 and 12-month premium break4 option\n      - Tax benefit\\* on premiums paid and tax-free\\*\\* claims payout and returns\n      - Up to 15% discountS on first year's premium for salaried customers\n      \n      [check premium](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-term-insurance-calculator.html?UID=39385&persona=smartexit)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_iProtect_Smart_Plus_Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-plus-term-plan.html?UID=39385)\n    - [ICICI Pru Protect N Gain(Market Linked Return)](https:\/\/www.iciciprulife.com\/ulip-plans\/icici-protect-and-gain.html?UID=39385)\n      - Potential to grow your wealth with Market Linked Returns\n      - Life cover1 up to 125x of Annual Premium7\n      - Return of Mortality and premium allocation charges2\n      - Unlimited tax-free\\* partial withdrawals4 allowed, that too free of cost\n      - Take control of your investments with unlimited free fund switches6\n      - Tax benefit\\* on premiums paid and tax-free\\* claims payout and returns\n      \n      [BUY ONLINE](https:\/\/www.iciciprulife.com\/ulip-plans\/buy-icici-protect-and-gain.html?UID=39385)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Protect_N_Gain_Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/ulip-plans\/icici-protect-and-gain.html?UID=39385)\n    - [ICICI Pru iProtect Smart Return of Premium(Guaranteed3 Return)](https:\/\/www.iciciprulife.com\/term-insurance\/iprotect-smart-return-of-premium-term-plan.html?UID=37034)\n      - High life cover1 to protect your family\n      - Guaranteed3 100% return of premium3 on survival\n      - Tax benefit\\* on premiums paid and tax-free\\*\\* claims payout and returns\n      - Optional Accidental Death Rider4 of up to ₹ 3 crore\n      - Optional Accidental Total and Permanent Disability Rider5 of up to ₹ 3 crore\n      - 15%F lower premiums for women (lifetime)\n      \n      [CHECK PREMIUM](https:\/\/www.iciciprulife.com\/term-insurance-plans\/return-of-premium-term-plan.html?UID=37034)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI-Pru-iProtect-Smart-ROP-Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/term-insurance\/iprotect-smart-return-of-premium-term-plan.html?UID=37034)\n      \n      W\/II\/1208\/2024-25\n    - [ICICI Pru iProtect Super(No income documents requiredI)](https:\/\/www.iciciprulife.com\/term-insurance\/buy-iprotect-super-online.html?UID=43645)\n      - Affordable Life cover1 to protect your family: No Income Documents RequiredI\n      - 12-month Premium BreakP @ ₹0 extra cost\n      - Terminal Illness Benefit6 and 100% Premium Refund3 option @ ₹0 extra cost\n      - Optional Additional Accidental Death4 and Disability5 rider\n      - On 1st Year Premium: 12%\\! Online Discount & 7%L Loyalty Discount\n      - Flat 15%F Lifetime Female Discount\n      \n      [check premium](https:\/\/www.iciciprulife.com\/term-insurance\/buy-iprotect-super-online.html?UID=43645)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_iProtect_Super_Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/term-insurance\/iprotect-super-term-plan.html?UID=43645)\n  - [ULIP (UNIT LINKED INSURANCE PLANS)](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans.html)\n    - [ICICI Pru Smart Insurance Plan Plus (SIP+) *(New)*](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/buy-icici-pru-smart-insurance-plan-plus.html)\n      - Get tax\\*\\- free market linked returns\n      - Zero charges\\! – No premium allocation and policy administration charges\n      - Adopt to changing markets with free unlimited fund switching2\n      - Inbuilt life cover1 to financially protect your family\n      \n      [Buy Online](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/buy-icici-pru-smart-insurance-plan-plus.html?UID=1160)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_SIP_Plus_Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/icici-pru-smart-insurance-plan-plus.html)\n      \n      T\\&C Apply\n      \n      IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.\n    - [ICICI Pru Signature Assure *(Popular)*](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/buy-icici-pru-ulip-signature-assure.html?UID=1160)\n      - Create wealth with market-linked returns\n      - Life cover1 + premium waiver2 + income3 benefit to financially protect your loved ones\n      - Tax\\*-free returns\n      - Loyalty additions4 of 2.5% of fund value\n      - Access to make withdrawals13 from fund\n      \n      [Buy Online](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/buy-icici-pru-ulip-signature-assure.html?UID=1160)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Signature_Assure_Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/icici-pru-ulip-signature-assure.html)\n      \n      T\\&C Apply\n      \n      IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.\n    - [ICICI Pru Global Wealth Multiplier (GIFT City) *(New)*](https:\/\/www.iciciprulife.com\/global-insurance-plans\/icici-pru-global-wealth-multiplier.html)\n      - Investment and returns in US dollars, enabling wealth creation without INR depreciation risk\n      - Portfolio diversification through investment in global and Indian markets\n      - Life cover3 that protects your family’s future\n      - Systematic withdrawal plan9 to withdraw money regularly from your policy\n      - Flexibility of partial withdrawals\n      - Waiver of premium option1\n      \n      [Buy Now](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/buy-icici-pru-global-wealth-multiplier-for-nri.html?UID=3)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/prospectus\/ICICI-Pru-Global-Wealth-Multiplier-Prospectus.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/global-insurance-plans\/icici-pru-global-wealth-multiplier.html)\n      \n      IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.\n    - [ICICI Pru Platinum](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/icici-pru-platinum.html)\n      - Potential to grow wealth through market linked returns\n      - Level of life cover2 as per your choice\n      - Systematic withdrawal plan3 to withdraw money regularly from your policy\n      - Tax benefits\\* as per prevailing tax laws\n      - Choice of 4 portfolio strategies and wide range of funds4\n      \n      [Buy Online](https:\/\/www.iciciprulife.com\/ulip-plans\/icici-pru-platinum-online.html?UID=41143)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Know More](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/icici-pru-platinum.html)\n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Platinum_Brochure.pdf)\n    - [ICICI Pru Signature Pension](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/icici-pru-signature-pension-plan.html)\n      - Build your retirement corpus through market-linked returns and live a stress-free life after retirement\n      - Tax-free commutation of up to 60% of the vesting benefit1\n      - Flexibility of Partial Withdrawals2\n      - Choice of 3 portfolio strategies and a wide range of funds3\n      - Low-cost charge structure with return of charges at vesting4\n      \n      [Buy Online](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/buy-icici-pru-signature-pension-plan.html?UID=1160)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Signature_Pension_Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/icici-pru-signature-pension-plan.html?UID=1725)\n    - [ICICI Pru1 Wealth](https:\/\/www.iciciprulife.com\/ulip-plans\/icici-single-premium-policy-pru-one-wealth.html?UID=2399)\n      - Invest only once and enjoy benefits for entire policy term\n      - 100% amount invested in wide range of funds\n      - Choice of multiple funds\n      - Life cover to protect your loved ones\n      - Tax benefits\n      \n      [Know More](https:\/\/www.iciciprulife.com\/ulip-plans\/icici-single-premium-policy-pru-one-wealth.html?UID=1725)\n      \n      [Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru1_Wealth_Brochure.pdf)\n    - [ICICI Pru LifeTime Classic](https:\/\/www.iciciprulife.com\/ulip-plans\/icici-ulip-lifetime-classic-plan.html?UID=2399)\n      Premium starts at \\`2500\/- p.m.\n      \n      - Invest in your choice of equity, debt or balanced funds\n      - Choice of 4 portfolio strategies\n      - Life cover to protect your loved ones\n      - Get rewarded with Loyalty Additions & Wealth Boosters\n      - Tax benefits\n      \n      [BUY ONLINE](https:\/\/www.iciciprulife.com\/ulip-plans\/buy-icici-ulip-returns-calculator-lifetime-classic-online.html?UID=1160)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_LifeTime_Classic_Brochure_Final.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/ulip-plans\/icici-ulip-lifetime-classic-plan.html?UID=1725)\n    - [ICICI Pru Smart Goal Assure](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/icici-pru-smart-goal-assure.html)\n      - Grow your wealth through market linked returns\n      - Goal Assurance with Future Secure2 (i.e. Waiver of Premium)\n      - Financial security for your family in your absence with life cover6 and Family Income5\n      - Return3 of premium allocation charges and policy administration charges at maturity\n      - Assurance of protecting your investments through Maturity Protect4\n      - Choice of 4 portfolio strategies and wide range of funds1\n      - Tax benefits7 as per prevailing tax laws\n      \n      [Buy Online](https:\/\/www.iciciprulife.com\/protection-saving-plans\/buy-icici-pru-signature-capital-guarantee-two.html?UID=1160)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Smart_Goal_Assure_Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/icici-pru-smart-goal-assure.html)\n    - [ICICI Pru Signature](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/icici-pru-ulip-signature.html?UID=2399)\n      - Financial protection for your loved ones with life cover\n      - Tax\\*-free returns\n      - Return of mortality and policy administration charges1\n      - Withdraw money regularly from your policy with SWP3\n      \n      [BUY ONLINE](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/icici-pru-signature-ulip-calculator.html?UID=1160)\n      \n      [Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Signature_Online_Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/icici-pru-ulip-signature.html?UID=1725)\n      \n      For offline Signature refer to [Offline Signature Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Signature_Offline_Brochure.pdf)\n    - [ICICI Pru Wealth Elite Pro](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/icici-pru-wealth-elite-pro.html)\n      - Financial protection for your loved ones with life insurance cover3\n      - Return of Total Premium Allocation Charges at a compounding rate of 7% per annum1\n      - High Premium Benefit to boost your fund value2\n      - Enjoy policy benefits till 99 years of age with Whole Life policy term option\n      - Systematic withdrawal plan4 to withdraw money regularly from your policy\n      \n      [Know More](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/icici-pru-wealth-elite-pro.html)\n      \n      [Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI-Pru-Wealth-Elite-Pro.pdf)\n  - [Child Plans](https:\/\/www.iciciprulife.com\/child-insurance\/child-insurance-plans.html)\n    - [ICICI Pru SmartKid Assure *(Bestseller)*](https:\/\/www.iciciprulife.com\/child-insurance\/buy-icici-pru-ulip-smartkid-assure.html?UID=1160)\n      - Create a corpus for your child's future with market linked returns\n      - Life cover1 + in built premium waiver18 to financially protect your child in your absence\n      - Income3 benefit to cover necessary expenses in case of parent’s sudden demise\n      - Tax\\* benefits under the Income Tax Act, 2025\n      \n      [buy online](https:\/\/www.iciciprulife.com\/child-insurance\/buy-icici-pru-ulip-smartkid-assure.html?UID=1160)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Signature_Assure_Brochure.pdf)\n      \n      \\* T\\&C Apply\n      \n      IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.\n    - [ICICI Pru SmartKid 360 *(New)*](https:\/\/www.iciciprulife.com\/child-insurance\/icici-pru-smart-kid-360.html)\n      - A 360° plan to protect your child’s future with guarantee2\n      - Flexibility to get payouts as per child’s milestones^\n      - Life Cover1 + waiver of premium18 + regular income3 guaranteed2 in your absence\n      - 100% tax-free\\* returns and tax\\* benefits on premiums paid under the Income Tax Act, 2025\n      \n      [BUY ONLINE](https:\/\/www.iciciprulife.com\/child-insurance\/buy-icici-pru-smartkid-360.html?UID=1160)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI-Pru-Smart-Kid-360-Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/child-insurance\/icici-pru-smart-kid-360.html)\n      \n      \\*T\\&C Apply\n      \n      W\/II\/1778\/2025-26\n  - [ULIP WITH CAPITAL GUARANTEE](https:\/\/www.iciciprulife.com\/protection-saving-plans\/capital-guarantee-plan.html)\n    - [ICICI Prudential Signature Capital Guarantee II](https:\/\/www.iciciprulife.com\/protection-saving-plans\/capital-guarantee-plan.html)\n      - Market-linked returns12 + 100% security9 of investment\n      - Life Cover4 to financially protect your loved ones in your absence\n      - Wealth boosters1 addition to boost your returns\n      - Tax2\\-free returns\n      \n      [Buy Online](https:\/\/www.iciciprulife.com\/protection-saving-plans\/buy-icici-pru-signature-capital-guarantee-two.html?UID=1160)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Prudential_Signature_Capital_Guarantee_II_Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/protection-saving-plans\/capital-guarantee-plan.html)\n      \n      IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.\n    - [ICICI Prudential Save ‘N’ Grow](https:\/\/www.iciciprulife.com\/protection-saving-plans\/capital-guarantee-solution-calculator.html?UID=39761)\n      - 100% Capital guarantee1 + market-linked returns2\n      - Diverse fund options across equity, balanced and debt\n      - Protect your loved ones financially with a life cover4\n      - Tax benefits3 as per prevailing tax laws\n      - Boost your returns with maturity boosters6\n      \n      [Buy Online](https:\/\/www.iciciprulife.com\/protection-saving-plans\/capital-guarantee-solution-calculator.html?UID=39761)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Save_N_Grow_Brochure.pdf)\n      \n      IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.\n  - [SAVINGS PLANS](https:\/\/www.iciciprulife.com\/protection-saving-plans.html)\n    - [ICICI Pru GIFT ProGuaranteed Income Plan](https:\/\/www.iciciprulife.com\/protection-saving-plans\/icici-pru-gift-pro.html?UID=2399)\n      - Guaranteed Income2 to help you achieve your financial goals\n      - Flexibility to choose Percentage of MoneyBack Benefit4 and when you want to receive MoneyBack Benefit4\n      - Life Insurance Cover1 for financial security of your family\n      \n      [Buy Online](https:\/\/www.iciciprulife.com\/protection-saving-plans\/buy-icici-pru-gift-pro.html?UID=1160)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_GIFT_Pro_Brochure_V23_Webview.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/protection-saving-plans\/icici-pru-gift-pro.html?UID=1725)\n      - [![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/all\/prospectus-brochure-icon.svg) Prospectus](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_GIFT_Pro_Brochure.pdf)\n      \n      2Conditions apply\n    - [ICICI Pru Guaranteed Income For TomorrowGuaranteed Lumpsum Plan](https:\/\/www.iciciprulife.com\/protection-saving-plans\/icici-pru-guaranteed-income-for-tomorrow.html?UID=1160)\n      - Guaranteed benefits1 in the form of lump sum\n      - Life insurance cover2 for financial security of your family\n      - Tax benefits3 may be applicable on premiums paid and benefits received as per prevailing tax laws\n      \n      [Buy Online](https:\/\/www.iciciprulife.com\/protection-saving-plans\/icici-pru-guaranteed-income-for-tomorrow-calculator.html?UID=1160)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Guaranteed_Income_For_Tomorrow.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/protection-saving-plans\/icici-pru-guaranteed-income-for-tomorrow.html?UID=1160)\n    - [ICICI Pru Gold](https:\/\/www.iciciprulife.com\/protection-saving-plans\/icici-pru-gold.html)\n      - Regular income1 up to 99 years of age followed by a lump sum2 on maturity\n      - Option to start receiving income immediately from the end of 1st policy year or defer3 it for a few years as per your need\n      - Choice to start receiving income instantly within 7 working days of realisation of first year's premium by the company post issuance of the policy\n      - Protection through life cover4 till up to 99 years of age\n      - Tax benefits5 may be applicable on premiums paid and benefits received as per prevailing tax laws\n      \n      [Buy Online](https:\/\/www.iciciprulife.com\/protection-saving-plans\/buy-icici-pru-gold.html?UID=37635)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_GOLD_Brochure_Webview.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/protection-saving-plans\/icici-pru-gold.html?UID=1725)\n      - [![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/all\/prospectus-brochure-icon.svg) Prospectus](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI-Pru-Gold-Brochure.pdf)\n    - [ICICI Pru Future Perfect](https:\/\/www.iciciprulife.com\/money-back-endowment-plans\/future-perfect-endowment-plan.html?UID=2399)\n      - Savings with the comfort of guarantee\\#\n      - Flexibility in premium payment term\n      - Security of your loved ones with potential for wealth creation and your Life Cover1\n      \n      [BUY ONLINE](https:\/\/www.iciciprulife.com\/money-back-endowment-plans\/future-perfect-savings-plan-calculator.html?UID=1160)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI%20Future%20Perfect%20-%20Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/money-back-endowment-plans\/future-perfect-endowment-plan.html?UID=1725)\n  - [RETIREMENT AND PENSION PLANS](https:\/\/www.iciciprulife.com\/retirement-pension-plans.html)\n    - [ICICI Pru Signature Pension (New)(Market Linked Return)](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/icici-pru-signature-pension-plan.html?UID=2399)\n      - Build your retirement corpus through market-linked returns and live a stress-free life after retirement\n      - Tax-free commutation of up to 60% of the vesting benefit1\n      - Flexibility of Partial Withdrawals2\n      - Choice of 3 portfolio strategies and a wide range of funds3\n      - Low-cost charge structure with return of charges at vesting4\n      \n      [Buy Online](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/buy-icici-pru-signature-pension-plan.html?UID=1160)\n      \n      [Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Signature_Pension_Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/icici-pru-signature-pension-plan.html?UID=1725)\n    - [ICICI Pru Guaranteed Pension Plan FlexiRegular Premium Future Income](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/guaranteed-pension-plan-flexi.html?UID=2399)\n      - A regular-pay deferred annuity plan that helps you gradually build the retirement savings and provide guaranteed income for life\n      - Flexible premium paying terms and deferment periods\n      - Choice of increasing annuity options that will give you inflation hedged retirement income in your golden years\n      - Flexibility to withdraw up to 60% of total premiums paid as lumpsum\n      - Financial security for your family even in your absence, with the Waiver of Premium feature3\n      - Annuity plan can cover either single or joint life2\n      - Tax benefits as per prevailing tax laws\n      \n      [Buy Online](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/guaranteed-pension-plan-flexi-calculator.html?UID=1160)\n      \n      [Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_GPP_Flexi_Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/guaranteed-pension-plan-flexi.html?UID=1725)\n      - [![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/all\/prospectus-brochure-icon.svg) Prospectus](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_GPP_Flexi_Prospectus.pdf)\n    - [ICICI Pru Saral Pension PlanSingle Premium Immediate Income](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/icici-pru-saral-pension-plan.html?UID=2399)\n      - Pay just once and get a guaranteed lifelong income\n      - Continue pension for spouse after you with the Joint Life1 option\n      - Purchase Price is returned back to your nominee2\n      - Option to avail a loan against your policy3\n      \n      [Buy Online](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/buy-icici-pru-saral-pension-plan.html?UID=1160)\n      \n      [Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Saral_Pension_Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/icici-pru-saral-pension-plan.html?UID=1725)\n    - [ICICI Pru Gold Pension Savings Plan](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/icici-pru-gold-pension-savings.html?UID=2399)\n      - Build your retirement savings with guaranteed benefits1 & bonuses2\n      - Tax-free commutation of upto 60% of the vesting benefit3\n      - Flexibility of cash withdrawals4\n      - Free health check-up5\n      \n      [Buy Online](https:\/\/buy.iciciprulife.com\/buy\/EBI.htm#\/PreEBI\/D05)\n      \n      [Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Know More](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/icici-pru-gold-pension-savings.html?UID=1725)\n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Gold_Pension_Savings_Brochure.pdf)\n      \n      1 T\\&C Apply\n    - [ICICI Pru Guaranteed Pension PlanDeferred Annuity](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/guaranteed-pension-plan.html)\n      - Single premium plan to get guaranteed income for the rest of your life\n      - Option to defer income by up to 10 years\n      - Annuity plan can cover either single or joint life\n      - Flexible payout options to suit your need\n      - Tax benefits^ on premiums paid and on maturity\n      \n      [Buy Online](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/guaranteed-pension-plan-calculator.html?UID=1160&persona=GPPDA)\n      \n      [Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Know More](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/guaranteed-pension-plan.html)\n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Guaranteed_Pension_Plan.pdf)\n    - [ICICI Pru Guaranteed Pension PlanImmediate Annuity](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/guaranteed-pension-plan.html)\n      - Single premium plan to get guaranteed income for the rest of your life\n      - Option to get annuity income as early as next month\n      - Annuity plan can cover either single or joint life\n      - Flexible payout options to suit your need\n      - Tax benefits^ on premiums paid and on maturity\n      \n      [Buy Online](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/guaranteed-pension-plan-calculator.html?UID=1160&persona=GPPIA)\n      \n      [Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Know More](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/guaranteed-pension-plan.html)\n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Guaranteed_Pension_Plan.pdf)\n  - [Legacy Plans](https:\/\/www.iciciprulife.com\/health-insurance\/health-insurance-plans.html)\n    - [ICICI Pru Protect N Gain Whole Life](https:\/\/www.iciciprulife.com\/ulip-plans\/icici-pru-protect-and-gain-whole-life.html)\n      - Get comprehensive life cover1 along with potential to grow your wealth with Market Linked Returns\n      - 1X return of mortality2 charges from 11th year onwards\n      - 1X return of premium allocation charges2 charges from 11th year onwards\n      - LoyaltyL additions: Extra units from policy year (67 less Entry Age) and onwards\n      - Coverc continuance booster: Protection from adverse market scenarios\n      - 20% Maturity booster3\n      \n      [CHECK PREMIUM](https:\/\/www.iciciprulife.com\/ulip-plans\/buy-icici-protect-and-gain-whole-life.html?UID=56633)\n      \n      [Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Protect_N_Gain_Whole_Life_Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/ulip-plans\/icici-pru-protect-and-gain-whole-life.html)\n    - [ICICI Pru Wealth Forever](https:\/\/www.iciciprulife.com\/protection-saving-plans\/icici-pru-wealth-forever.html)\n      - Increasing life cover1 to secure a legacy@ for your family\n      - 100% payout on Terminal illness3\n      - Complimentary health checkup\\#\n      - Return of 100% of Total Premium Paid upon maturity^^\n      \n      [Know More](https:\/\/www.iciciprulife.com\/protection-saving-plans\/icici-pru-wealth-forever.html?UID=1725)\n      \n      [Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Wealth_Forever_Brochure.pdf)\n      - [![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/all\/prospectus-brochure-icon.svg) Prospectus](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Wealth_Forever_Prospectus.pdf)\n    - [ICICI Pru Gold](https:\/\/www.iciciprulife.com\/protection-saving-plans\/icici-pru-gold.html?UID=2399)\n      - A regular income 1 up to 99 years of age\n      - A lumpsum 2 on maturity as your legacy for your loved ones\n      - Protection of life cover4 throughout the policy term\n      - Tax5 benefits may be applicable on premiums paid and benefits received as per prevailing tax laws\n      \n      [Buy Online](https:\/\/www.iciciprulife.com\/protection-saving-plans\/buy-icici-pru-gold.html?UID=37635)\n      \n      [Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_GOLD_Brochure_Webview.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/protection-saving-plans\/icici-pru-gold.html?UID=1725)\n      - [![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/all\/prospectus-brochure-icon.svg) Prospectus](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI-Pru-Gold-Brochure.pdf)\n  - [Health Insurance Plans](https:\/\/www.iciciprulife.com\/health-insurance\/health-insurance-plans.html)\n    - [ICICI Pru Wish](https:\/\/www.iciciprulife.com\/health-insurance\/icici-pru-wish.html)\n      - Comprehensive coverage1 against women specific critical illnesses2 and surgeries2\n      - Cover1 for surgeries2 resulting from specific illnesses2\n      - Fixed lump sum1 pay-out on diagnosis of any of the covered critical illnesses2\n      - Premium remains guaranteed3 throughout the coverage term\n      - Coverage1 for pregnancy complications and newborn complications through Maternity Care Benefit under Health Care Plus plan option\n      - Premium Sabbatical4 Benefit which allows you to get one full year’s premium holiday, while enjoying full policy benefits\n      \n      [Check Premium](https:\/\/www.iciciprulife.com\/health-insurance\/buy-icici-pru-wish.html?UID=43629)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Wish_Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/health-insurance\/icici-pru-wish.html)\n      - [![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/all\/prospectus-brochure-icon.svg) Prospectus](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Wish_Prospectus.pdf)\n    - [ICICI Pru iProtect Smart Plus(Life Cover + Critical Illness Cover)](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-plus-term-plan.html?UID=2399)\n      - Up to ₹1.5 crore 60 Critical Illnesses2 cover (optional)\n      - Adequate Life cover2a to protect your family\n      - Covers diseases2 like Cancer, Heart Attack, organ failure, etc. (optional)\n      - Lumpsum Optional Critical Illness2 claims payout based on diagnostic report\n      - In-built Terminal Illness Benefit6 and 12-month premium break4 option\n      - Tax benefit\\* on premiums paid and tax-free\\*\\* claims payout and returns\n      \n      [Check Premium](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-term-insurance-calculator.html?UID=43583)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI%20Pru%20iProtect%20Smart.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-plus-term-plan.html?UID=43583)\n      \n      \\*Conditions apply\n  - [Group Insurance Plans](https:\/\/www.iciciprulife.com\/group-insurance-plans.html)\n    - [ICICI Pru Group Term Plus](https:\/\/www.iciciprulife.com\/group-insurance-plans\/group-term-plus.html)\n      - Competitive premium rates\n      - Flexible premium payment modes\n      - Customized coverage as per organization’s structure\n      - Seamless addition\/removal of new employees\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Group_Term_Plus_Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/group-insurance-plans\/group-term-plus.html)\n    - [ICICI Pru Group Unit Linked Employee Benefit Plan](https:\/\/www.iciciprulife.com\/group-insurance-plans\/group-unit-linked-employee-benefit-plan.html)\n      - Choose from a range of 10 Debt and Equity oriented funds\n      - Market-linked returns\n      - Policy value- based loyalty additions added every year\n      - Tax\\* benefits as per prevailing laws\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Group_Unit_Linked_Employee_Benefit_Plan.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/group-insurance-plans\/group-unit-linked-employee-benefit-plan.html)\n      \n      IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.\n    - [ICICI Pru Group Suraksha Plus](https:\/\/www.iciciprulife.com\/group-insurance-plans\/group-suraksha-plus.html)\n      - Interest accruals at the end of each financial year\n      - Flexibility to deposit contributions\n      - Withdrawals from the policy under defined scheme rules\n      - 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Superannuation](https:\/\/www.iciciprulife.com\/group-insurance-plans\/group-suraksha-plus-superannuation.html)\n      - Interest accruals at the end of the financial year\n      - Minimum guarantees as per scheme options to the extent of 100% of contributions made\n      - Employee benefits payable on exit as per scheme rules\n      - Tax\\* benefits as per prevailing laws\n      - Annuity purchase options including joint life and return of purchase price\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Group_Suraksha_Plus_Superannuation.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/group-insurance-plans\/group-suraksha-plus-superannuation.html)\n    - [ICICI Pru Immediate Annuity](https:\/\/www.iciciprulife.com\/group-insurance-plans\/immediate-annuity.html)\n      - Wide range of annuity options\n      - Fixed payout, that is free from market fluctuations\n      - Immediate annuity payout - monthly, quarterly, half-yearly or yearly\n      - Return of Purchase Price (optional) on death, Critical Illness or Permanent Disability due to accident\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/Group_Immediate_Annuity_Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/group-insurance-plans\/immediate-annuity.html)\n    - [ICICI Pru Group Non-Linked Critical Illness Rider](https:\/\/www.iciciprulife.com\/group-insurance-plans\/group-non-linked-critical-illness-rider.html)\n      - Covers up to 33 critical illnesses\n      - Opt in at the start or renewal of the base policy\n      - Option to accelerate the base cover on diagnosis of enlisted Critical Illnesses (CI)\n      - Customised schemes for employee benefits\n      - Flexibility to pay one-time, annual, semi-annual, quarterly, or monthly premiums\n      \n      - 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Ltd. All rights reserved. Registered with Insurance Regulatory & Development Authority of India (IRDAI) as Life Insurance Company. Regn. No. 105. CIN: L66010MH2000PLC127837.\n\nReg. Off.: ICICI PruLife Towers, 1089 Appasaheb Marathe Marg, Prabhadevi, Mumbai 400025. Tel.: 40391600. Customer helpline number -  (Help us to serve you better by calling us from your registered mobile number). Timings – 10:00 A.M. to 7:00 P.M., Monday to Saturday (except national holidays). Member of the Life Insurance Council. For more details on the risk factors, term and conditions please read the product brochure carefully before concluding the sale. Trade Logo displayed above belongs to ICICI Bank Ltd & Prudential IP services Ltd and used by ICICI Prudential Life Insurance Company Ltd under license.\n\nBEWARE OF SUSPICIOUS PHONE CALLS AND FICTITIOUS\/FRAUDULENT OFFERS\n\nIRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.\n\n[irdai cautions public against spurious calls and FICTITIOUS offers](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/leaflets\/IRDA_publicnotice.pdf)\n\n# List of 34 Critical Illnesses Covered\n1\\. Cancer of Specified Severity![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nA malignant tumour characterised by the uncontrolled growth & spread of malignant cells with invasion & destruction of normal tissues. This diagnosis must be supported by histological evidence of malignancy & confirmed by a pathologist. The term cancer includes leukemia, lymphoma and sarcoma.  \nThe following are excluded –1\\.Tumours showing the malignant changes of carcinoma in situ & tumours which are histologically described as premalignant or noninvasive, including but not limited to: Carcinoma in situ of breasts, Cervical dysplasia CIN-1, CIN -2 & CIN-3.  \n2\\.Any skin cancer other than invasive malignant melanoma  \n3\\.All tumours of the prostate unless histologically classified as having a Gleason score greater than 6 or having progressed to at least clinical TNM classification T2N0M0.  \n4\\.Papillary micro - carcinoma of the thyroid less than 1 cm in diameter  \n5\\.Chronic lymphocyctic leukaemia less than RAI stage 3  \n6\\.Microcarcinoma of the bladder\n\n7\\.All tumours in the presence of HIV infection\n\n2\\. Angioplasty\\#![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nMeans the actual undergoing for the first time of Coronary Artery Balloon Angioplasty and \/or the insertion of a stent to correct a narrowing of minimum 60% stenos is, of one or more major Coronary arteries as shown by Angiographic evidence.The revascularisation must be considered medically necessary by a consultant Cardiologist.Coronary arteries herein refer only to Left Main Stem, Left Anterior Descending, Circumflex and Right Coronary Artery.Intra Arterial investigative procedures and Diagnostic Angiography are not included.Evidence required: In addition to the other documents, the Company shall require the following:\n\n- Coronary Angiography Report – Pre and post Angioplasty or Other Invasive Treatment as defined above\n\nDischarge Card of the hospital where the procedure was done\n\n3\\. Heart Attack![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nThe first occurrence of myocardial infarction which means the death of a portion of the heart muscle as a result of inadequate blood supply to the relevant area. The diagnosis for this will be evidenced by all of the following criteria:  \n1\\.A history of typical clinical symptoms consistent with the diagnosis of Acute Myocardial Infarction (for e.g. typical chest pain)  \n2\\.New characteristic electrocardiogram changes3\\.Evation of infarction specific enzymes, Troponins or other specific biochemical markers.The following are excluded:1\\.Non-ST-segment elevation myocardial infarction (NSTEMI) with elevation of Troponin I or T; 2\\.Other acute Coronary Syndromes3\\.Any type of angina pectoris.\n\n4\\. Heart Valve Surgery![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nThe actual undergoing of open-heart valve surgery is to replace or repair one or more heart valves, as a consequence of defects in, abnormalities of, or disease-affected cardiac valve(s). The diagnosis of the valve abnormality must be supported by an echocardiography and the realization of surgery has to be confirmed by a specialist medical practitioner. Catheter based techniques including but not limited to, balloon valvotomy\/valvuloplasty are excluded.\n\n5\\. Surgery to Aorta![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nThe actual undergoing of major surgery to repair or correct an aneurysm, narrowing, obstruction or dissection of the aorta through surgical opening of the chest or abdomen. For the purpose of this definition, aorta shall mean the thoracic and abdominal aorta but not its branches.\n\n6\\. Cardiomyopathy![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nAn impaired function of the heart muscle, unequivocally diagnosed as Cardiomyopathy by a Registered Medical Practitioner who is a cardiologist, and which results in permanent physical impairment to the degree of New York Heart Association classification Class III or Class IV, or its equivalent, based on the following classification criteria:Class III - Marked functional limitation. Affected patients are comfortable at rest but performing activities involving less than ordinary exertion will lead to symptoms of congestive cardiac failure.Class IV - Inability to carry out any activity without discomfort. Symptoms of congestive cardiac failure are present even at rest. With any increase in physical activity, discomfort will be experienced. The Diagnosis of Cardiomyopathy has to be supported by echographic findings of compromised ventricular performance. Irrespective of the above, Cardiomyopathy directly related to alcohol or drug abuse is excluded.\n\n7\\. Primary Pulmonary hypertension![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nPrimary Pulmonary Hypertension with substantial right ventricular enlargement confirmed by a Cardiologist with the help of investigations including Cardiac Catheterization (cardiac catheterization proving the pulmonary pressure to be above 30 mm of Hg), resulting in permanent irreversible physical impairment of at least Class IV of the New York Heart Association (NYHA) Classification of Cardiac Impairment and resulting in the Life Insured being unable to perform his \/ her usual occupation.The NYHA Classification of Cardiac Impairment (Source: “Current Medical Diagnosis and Treatment – 39th Edition”):1\\.Class I: No limitation of physical activity. Ordinary physical activity does not cause undue fatigue, dyspnoea, or anginal pain.2\\.Class II: Slight limitation of physical activity. Ordinary physical activity results in symptoms.3\\.Class III: Marked limitation of physical activity. Comfortable at rest, but less than ordinary activity causes symptoms4\\.Class IV: Unable to engage in any physical activity without discomfort. Symptoms may be present even at rest.\n\n8\\. CABG![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nThe actual undergoing of open chest surgery for the correction of one or more coronary arteries, which is\/are narrowed or blocked, by coronary artery bypass graft (CABG). The diagnosis must be supported by a coronary angiography and the realization of surgery has to be confirmed by a specialist medical practitioner.   \nExcluded are:1\\.Angioplasty and\/or any other intra-arterial procedures  \n2\\.Any key-hole or laser surgery\n\n9\\. Blindness![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nTotal and irreversible loss of sight in both eyes as a result of illness or accident. The blindness must be confirmed by an Ophthalmologist.\n\n10\\. Chronic Lung Disease![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nEnd stage lung disease causing chronic respiratory failure, where all of the following criteria are met:(a)Permanent oxygen therapy is required;(b)A consistent forced expiratory volume (FEV1) test value of less than one (1) liter (during the first second of a forced exhalation);(c)Baseline arterial blood gas analysis showing arterial partial oxygen pressure at a level of fifty-five (55) mmHg or less; and(d)Dyspnea at rest.\n\nThe diagnosis must be confirmed by a respiratory physician\n\n11\\. Chronic Liver Disease![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nEnd Stage liver failure as evidenced by all of the following:(a)Permanent jaundice;(b)Ascites; and(c)Hepatic encephalopathy.(d)Esophageal or Gastric Varices and Portal Hypertension\n\nIrrespective of the above, liver failure due or related to alcohol or drug abuse is excluded.\n\n12\\. Kidney Failure![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nEnd stage renal disease presenting as chronic irreversible failure of both kidneys to function, as a result of which either regular renal dialysis (hemodialysis or peritoneal dialysis) is instituted or renal transplantation is carried out. Diagnosis has to be confirmed by a specialist medical practitioner.\n\n13\\. Major Organ\/ Bone Marrow Transplant![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nI.The actual undergoing of a transplant of: i.One of the following human organs: heart, lung, liver, kidney, pancreas, that resulted from irreversible end-stage failure of the relevant organ, or ii.Human bone marrow using haematopoietic stem cells. The undergoing of a transplant has to be confirmed by a specialist medical practitioner.II.The following are excluded: i.Other stem-cell transplants ii.Where only islets of langerhans are transplanted\n\n14\\. Apallic Syndrome![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nUniversal necrosis of the brain cortex, with the brain stem intact. Diagnosis must be definitely confirmed by a Registered Medical practitioner who is also a neurologist holding such an appointment at an approved hospital. This condition must be documented for at least one (1) month.The definition of approved hospital will be in line with Guidelines on Standardization in Health Insurance and as defined below:A hospital means any institution established for in- patient care and day care treatment of sickness and \/ or injuries and which has been registered as a hospital with the local authorities, wherever applicable, and is under the supervision of a registered and qualified medical practitioner AND must comply with all minimum criteria as under:\\-Has at least 10 inpatient beds, in those towns having a population of less than 10,00,000 and 15 inpatient beds in all other places;\\-Has qualified nursing staff under its employment round the clock;\\-Has qualified medical practitioner (s) in charge round the clock;\\-Has a fully equipped operation theatre of its own where surgical procedures are carried out\\-Maintains daily records of patients and will make these accessible to the Insurance company’s authorized personnel.\n\n15\\. Benign Brain Tumour![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nA benign intracranial tumour where the following conditions are met:i.The tumour is life threatening;ii.It has caused damage to the brain; andiii.It has undergone surgical removal or, if inoperable, has caused a permanent neurological deficit.The following are excluded: cysts, granulomas, vascular malformations, haematomas, tumours of the pituitary gland or spine, tumours of the acoustic nerve, Calcification, Meningiomas.Its presence must be confirmed by a neurologist or neurosurgeon and supported by findings on Magnetic Resonance Imaging, Computerised Tomography, or other reliable imaging techniques.\n\n16\\. Brain Surgery![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nThe actual undergoing of surgery to the brain, under general anaesthesia, during which a Craniotomy is performed. Burr hole and brain surgery as a result of an accident is excluded. The procedure must be considered necessary by a qualified specialist and the benefit shall only be payable once corrective surgery has been carried out.\n\n17\\. Coma![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nA state of unconsciousness with no reaction or response to external stimuli or internal needs. This diagnosis must be supported by evidence of all of the following:\n\n- No response to external stimuli continuously for at least 96 hours;\n- Life support measures are necessary to sustain life; and\n- Permanent neurological deficit which must be assessed at least 30 days after the onset of the coma\n\nThe condition has to be confirmed by a specialist medical practitioner. Coma resulting directly from alcohol or drug abuse is excluded.\n\n18\\. Major Head Trauma![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nAccidental head injury resulting in permanent neurological deficit to be assessed no sooner than six (6) weeks (and documented for at least 3 months) from the date of the Accident. This diagnosis must be confirmed by a Registered Medical practitioner who is also a neurologist and supported by unequivocal findings on Magnetic Resonance Imaging, Computerized Tomography, or other reliable imaging techniques. The Accident must be caused solely and directly by accidental, violent, external and visible means and independently of all other causes. The resultant permanent functional impairment must result in an inability to perform at least 3 of the Activities of Daily Living as defined in the policy either with or without the aid of mechanical equipment, special devices or other aids or adaptationsThe following are excluded:(a)Spinal cord injury; and(b)Head injury due to any other causes.The Activities of Daily Living are:1\\.Washing: the ability to wash in the bath or shower (including getting into and out of the bath or shower) or wash satisfactorily by other means;2\\.Dressing: the ability to put on, take off, secure and unfasten all garments and, as appropriate, any braces, artificial limbs or other surgical appliances;3\\.Transferring: the ability to move from a bed to an upright chair or wheelchair and vice versa;4\\.Mobility: the ability to move indoors from room to room on level surfaces;5\\.Toileting: the ability to use the lavatory or otherwise manage bowel and bladder functions so as to maintain a satisfactory level of personal hygiene;6\\.Feeding: the ability to feed oneself once food has been prepared and made available.\n\n19\\. Permanent Paralysis of limbs![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nTotal and irreversible loss of use of two or more limbs as a result of injury or disease of the brain or spinal cord. A specialist medical practitioner must be of the opinion that the paralysis will be permanent with no hope of recovery and must be present for more than 3 months.\n\n20\\. Stroke resulting in permanent symptoms![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nAny cerebrovascular incident producing permanent neurological sequelae. This includes infarction of brain tissue, thrombosis in an intracranial vessel, haemorrhage and embolisation from an extracranial source. Diagnosis has to be confirmed by a specialist medical practitioner and evidenced by typical clinical symptoms as well as typical findings in CT Scan or MRI of the brain. Evidence of permanent neurological deficit lasting for at least 3 months has to be produced.The following are excluded:\n\n- Transient ischemic attacks (TIA)\n- Traumatic injury of the brain\n- Vascular disease affecting only the eye or optic nerve or vestibular functions.\n\n21\\. Alzheimer's Disease![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nDeterioration or loss of intellectual capacity as confirmed by clinical evaluation and imaging tests, arising from Alzheimer's Disease or irreversible organic disorders, resulting in significant reduction in mental and social functioning requiring the continuous supervision of the Life Assured. This diagnosis must be supported by the clinical confirmation of an appropriate Registered Medical practitioner who is also a neurologistand supported by the Company’s appointed doctor.The following are excluded:i.Non-organic disease such as neurosis and psychiatric illnesses; andii.Alcohol-related brain damageiii.Any other type of irreversible organic disorder\/dementia\n\n22\\. Motor Neurone Disease with permanent symptoms![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nMotor neurone disease diagnosed by a specialist medical practitioner as spinal muscular atrophy, progressive bulbar palsy, amyotrophic lateral sclerosis or primary lateral sclerosis. There must be progressive degeneration of corticospinal tracts and anteriorhorn cells or bulbar efferent neurons. There must be current significant and permanent functional neurological impairment with objective evidence of motor dysfunction that has persisted for a continuous period of at least 3 months.\n\n23\\. Multiple Sclerosis with persisting symptoms![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nThe definite occurrence of multiple sclerosis. The diagnosis must be supported by all of the following:i.Investigations including typical MRI and CSF findings, which unequivocally confirm the diagnosis to be multiple sclerosis;ii.There must be current clinical impairment of motor or sensory function, which must have persisted for a continuous period of at least 6 months, andiii.Well documented clinical history of exacerbations and remissions of said symptoms or neurological deficits with at least two clinically documented episodes at least one month apart.Other causes of neurological damage such as SLE and HIV are excluded.\n\n24\\. Muscular Dystrophy![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nDiagnosis of muscular dystrophy by a Registered Medical Practitioner who is a neurologist based on three (3) out of four (4) of the following conditions:(a)Family history of other affected individuals;(b)Clinical presentation including absence of sensory disturbance, normal cerebro- spinal fluid and mild tendon reflex reduction;(c)Characteristic electromyogram; or(d)Clinical suspicion confirmed by muscle biopsy.The condition must result in the inability of the Life Assured to perform (whether aided or unaided) at least three (3) of the six (6) ‘Activities of Daily Living’ as defined, for a continuous period of at least six (6) months.\n\n25\\. Parkinson's Disease![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nUnequivocal Diagnosis of Parkinson’s Disease by a Registered Medical Practitioner who is a neurologist where the condition:(a)Cannot be controlled with medication;(b)Shows signs of progressive impairment; and(c)Activities of Daily Living assessment confirms the inability of the Insured to perform at least three (3) of the Activities of Daily Living as defined in the Policy, either with or without the use of mechanical equipment, special devices or other aids or adaptations in use for disabled persons.Drug-induced or toxic causes of Parkinson’s disease are excluded.\n\n26\\. Poliomyelitis![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nThe occurrence of Poliomyelitis where the following conditions are met:1\\.Poliovirus is identified as the cause and is proved by Stool Analysis,2\\.Paralysis of the limb muscles or respiratory muscles must be present and persist for at least 3 months.\n\n27\\. Loss of Independent Existence![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nConfirmation by a Consultant Physician of the loss of independent existence due to illness or trauma, lasting for a minimum period of 6 months and resulting in a permanent inability to perform at least three (3) of the following Activities of Daily LivingActivities of Daily Living:1\\.Washing: the ability to wash in the bath or shower (including getting into and out of the bath or shower) or wash satisfactorily by other means;2\\.Dressing: the ability to put on, take off, secure and unfasten all garments and, as appropriate, any braces, artificial limbs or other surgical appliances;3\\.Transferring: the ability to move from a bed to an upright chair or wheelchair and vice versa;4\\.Mobility: the ability to move indoors from room to room on level surfaces;5\\.Toileting: the ability to use the lavatory or otherwise manage bowel and bladder functions so as to maintain a satisfactory level of personal hygiene;6\\.Feeding: the ability to feed oneself once food has been prepared and made available.\n\n28\\. Loss of Limbs![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nThe loss by severance of two or more limbs, at or above the wrist or ankle. Loss of Limbs resulting directly or indirectly from self-inflicted injury, alcohol or drug abuse is excluded.\n\n29\\. Deafness![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nTotal and irreversible loss of hearing in both ears as a result of illness or accident. This diagnosis must be supported by audiometric and sound threshold tests provided and certified by an Ear, Nose, and Throat (ENT) specialist. Total means “the loss of at least 80 decibels in all frequencies of hearing” in both ears.\n\n30\\. Loss of Speech![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nTotal and irrecoverable loss of the ability to speak as a result of injury or disease to the Vocal Cords. The inability to speak must be established for a continuous period of 12 months. This diagnosis must be supported by medical evidence furnished by an Ear, Nose, and Throat (ENT) specialist.All psychiatric related causes are excluded.\n\n31\\. Medullary Cystic Disease![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nMedullary Cystic Disease where the following criteria are met:a)The presence in the kidney of multiple cysts in the renal medulla accompanied by the presence of tubular atrophy and interstitial fibrosis;b)Clinical manifestations of anaemia, polyuria, and progressive deterioration in kidney function; andc)The Diagnosis of Medullary Cystic Disease is confirmed by renal biopsy. Isolated or benign kidney cysts are specifically excluded from this benefit.Isolated or benign kidney cysts are specifically excluded from this benefit.\n\n32\\. Systematic lupus Eryth. w. Renal Involvement![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nMulti-system, autoimmune disorder characterized by the development of auto-antibodies, directed against various self-antigens. For purposes of the definition of “Critical Illness”, SLE is restricted to only those forms of systemic lupus erythematosus, which involve the kidneys and are characterized as Class III, Class IV, Class V or Class VI lupus nephritis under the Abbreviated International Society of Nephrology\/Renal Pathology Society (ISN\/RPS) classification of lupus nephritis (2003) below based on renal biopsy. Other forms such as discoid lupus, and those forms with only hematological and joint involvement are specifically excluded.Abbreviated ISN\/RPS classification of lupus nephritis (2003):Class I - Minimal mesangial lupus nephritisClass II - Mesangial proliferative lupus nephritisClass III - Focal lupus nephritisClass IV - Diffuse segmental (IV-S) or global (IV-G) lupus nephritisClass V - Membranous lupus nephritisClassVI - Advanced sclerosing lupus nephritis the final diagnosis must be confirmed by a certified doctor specialising in Rheumatology and Immunology.\n\n33\\. Major Burns![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nThird degree (i.e. full thickness skin destruction) burns covering at least twenty percent (20%) of the total body surface area.The condition should be confirmed by a Consultant Physician. Burns arising due to self-infliction are excluded.\n\n34\\. Aplastic Anaemia![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nIrreversible persistent bone marrow failure which results in anaemia, neutropenia and thrombocytopenia requiring treatment with at least two (2) of the following:(a)Blood product transfusion;(b)Marrow stimulating agents;(c)Immunosuppressive agents; or(d)Bone marrow transplantation.The Diagnosis of aplastic anaemia must be confirmed by a bone marrow biopsy. Two out of the following three values should be present:\\-Absolute Neutrophil count of 500 per cubic millimetre or less;\\-Absolute Reticulocyte count of 20,000 per cubic millimetre or less; and\\-Platelet count of 20,000 per cubic millimetre or less.\n\n\\* The CI Benefit for Angioplasty is subject to a maximum of Rs. 5,00,000. On payment of Angioplasty, if the CI Benefit is more than Rs. 5,00,000 the policy will continue for other CIs with CI Benefit reduced by Angioplasty payout and correspondingly Life cover reduced by the same amount. The future premiums payable for the residual CI Benefit and correspondingly reduced Life Cover will reduce proportionately.\n\nTerms and Conditions\n\n**Waiting period for Critical Illness Benefit:**\n\n1\\.The benefit shall not apply or be payable in respect of any Critical Illness of which the symptoms have occurred or for which care, treatment, or advice was recommended by or received from a Physician, or which first manifested itself or was contracted during the first six months from the Policy issue date or 3 months from the policy reinstatement date where the policy has lapsed for more than 3 months.\n\n2\\.In the event of occurrence of any of the scenarios mentioned above, or in case of a death claim, where it is established that the Life Assured was diagnosed to have any one of the covered critical illness during the waiting period for which a critical illness claim could have been made, the Company will refund all premiums paid from risk commencement date of the policy or from the date of reinstatement as applicable and the policy will terminate.\n\n3\\.No waiting period applies where Critical Illness is due to accident.\n\n**Exclusions for Critical Illness Benefit:**\n\nNo CI benefit will be payable in respect of any listed condition arising directly or indirectly from, though, in consequence of or aggravated by any of the following:\n\n1\\.Pre-Existing Conditions or conditions connected to a Pre-Existing Condition will be excluded. Pre-Existing is any condition for which the Life Assured had signs, or symptoms, and\/ or were diagnosed, and \/ or received medical advice \/ treatment within 48 months to prior to the first policy issued by the Company will be excluded.\n\n2\\.Existence of any Sexually Transmitted Disease (STD) and its related complications or Acquired Immune Deficiency Syndrome (AIDS) or the presence of any Human Immuno-deficiency Virus (HIV)\n\n3\\.Self-inflicted injury, suicide, insanity and deliberate participation of the life insured in an illegal or criminal act.\n\n4\\.Use of intoxicating drugs \/ alcohol \/ solvent, taking of drugs except under the direction of a qualified medical practitioner.\n\n5\\.War – whether declared or not, civil commotion, breach of law with criminal intent, invasion, hostilities (whether war is declared or not), rebellion, revolution, military or usurped power or wilful participation in acts of violence.\n\n6\\.Aviation other than as a fare paying passenger or crew in a commercial licensed aircraft.\n\n7\\.Taking part in any act of a criminal nature.\n\n8\\.Treatment for injury or illness caused by avocations \/ activities such as hunting, mountaineering, steeple-chasing, professional sports, racing of any kind, scuba diving, aerial sports, activities such as hand-gliding, ballooning, deliberate exposure to exceptional danger.\n\n9\\.Radioactive contamination due to nuclear accident.\n\n10\\.Failure to seek or follow medical advice, the Life assured has delayed medical treatment in order to circumvent the waiting period or other conditions and restriction applying to this policy.\n\n11\\.Any treatment of a donor for the replacement of an organ.\n\n12\\.A congenital condition of the insured.\n\nclose\n\n[Plans]()  [Term Insurance]()  [Claims](https:\/\/www.iciciprulife.com\/insurance-claim.html)  [NRI Plans]()  [Knowledge Center](https:\/\/www.iciciprulife.com\/insurance-library\/knowledge-center.html)  [Customer 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advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_iProtect_Smart_Plus_Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-plus-term-plan.html?UID=39385)\n\n[back]()\n\n- Instant issuance\\# with 0 paperwork\n- Affordable life cover1 with 0% GST on premiums\n- Digital income verificationD with no income proof requiredI\n- Exclusively for salaried person with income greater than ₹10 Lakh\n- Up to 15%S salaried discount on 1st year premiums + up to 5%\\` lifetime online discount\n\n[Check Eligibility](https:\/\/www.iciciprulife.com\/life-insurance\/saral-jeevan-bima-buy-online-calculator.html?UID=55475)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Saral_Jeevan_Bima_Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/life-insurance\/icici-pru-saral-jeevan-bima-plan.html)\n\nW\/II\/1360\/2025-26\n\n[back]()\n\n- Claim amount paid to nominee in monthlyD1 instalments\n- Up to 5%\\` Online Discount (Lifetime)\n- Up to 15%S Salaried Discount (For 1st Year premium)\n- In-built Terminal Illness Benefit6 and 12-month premium break4 option\n- Optional 60 Critical Illnesses2 cover & Accidental Death Benefit3 cover\n\n[check premium](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-term-insurance-calculator.html?UID=39919&persona=monthlyincome)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_iProtect_Smart_Plus_Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-plus-term-plan.html?UID=39385)\n\nW\/II\/1316\/2023-24\n\n[back]()\n\n- Affordable High Life Cover1 to protect your family\n- Flat 15%F Discount for Women on Life Cover (Lifetime)\n- Up to 5%\\` Online Discount (Lifetime)\n- Up to 15%S Salaried Discount (For 1st Year premium)\n- 60 Critical Illnesses Cover2 (Optional)\n- Tax benefit\\* on premiums paid and tax-free\\*\\* claims payout\n\n[check premium](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-term-insurance-calculator.html?UID=41117&persona=Working_Women)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_iProtect_Smart_Plus_Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-plus-term-plan.html?UID=41117)\n\nW\/II\/0354\/2024-25\n\n[back]()\n\n- Affordable Life cover1 to protect your family: No Income Documents RequiredI\n- 12-month Premium BreakP @ ₹0 extra cost\n- Terminal Illness Benefit6 and 100% Premium Refund3 option @ ₹0 extra cost\n- Optional Additional Accidental Death4 and Disability5 rider\n- On 1st Year Premium: 12%\\! Online Discount & 7%L Loyalty Discount\n- Flat 15%F Lifetime Female Discount\n\n[check premium](https:\/\/www.iciciprulife.com\/term-insurance\/buy-iprotect-super-online.html?UID=43644)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_iProtect_Super_Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/term-insurance\/iprotect-super-term-plan.html?UID=43644)\n\n[back]()\n\n- Life cover1 to provide coverage against death and terminal illness\n- Complimentary health management and wellbeing services2\n- 15% lower premiums for women3 as compared to male lives\n- Option of Premium Break4 to defer premiums by 12 months\n\n[check premium](https:\/\/www.iciciprulife.com\/term-insurance-plans\/icici-pru-iprotect-care-term-calculator.html?UID=56631)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_iProtect_Care_Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/term-insurance\/icici-pru-iprotect-care.html)\n\n[back]()\n\n- Affordable High Life Cover2a to protect your family\n- 100% Total Premium Refund° option\n- Optional 60 Critical Illnesses2 cover of up to ₹ 1.5 crore\n- Optional Accidental Death Benefit3 cover of up to ₹ 3 crore\n- In-built Terminal Illness Benefit6 and 12-month premium break4 option\n- Tax benefit\\* on premiums paid and tax-free\\*\\* claims payout and returns\n- Up to 15% discountS on first year's premium for salaried customers\n\n[check premium](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-term-insurance-calculator.html?UID=39385&persona=smartexit)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_iProtect_Smart_Plus_Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-plus-term-plan.html?UID=39385)\n\n[back]()\n\n- Potential to grow your wealth with Market Linked Returns\n- Life cover1 up to 125x of Annual Premium7\n- Return of Mortality and premium allocation charges2\n- Unlimited tax-free\\* partial withdrawals4 allowed, that too free of cost\n- Take control of your investments with unlimited free fund switches6\n- Tax benefit\\* on premiums paid and tax-free\\* claims payout and returns\n\n[BUY ONLINE](https:\/\/www.iciciprulife.com\/ulip-plans\/buy-icici-protect-and-gain.html?UID=39385)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Protect_N_Gain_Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/ulip-plans\/icici-protect-and-gain.html?UID=39385)\n\n[back]()\n\n- High life cover1 to protect your family\n- Guaranteed3 100% return of premium3 on survival\n- Tax benefit\\* on premiums paid and tax-free\\*\\* claims payout and returns\n- Optional Accidental Death Rider4 of up to ₹ 3 crore\n- Optional Accidental Total and Permanent Disability Rider5 of up to ₹ 3 crore\n- 15%F lower premiums for women (lifetime)\n\n[CHECK PREMIUM](https:\/\/www.iciciprulife.com\/term-insurance-plans\/return-of-premium-term-plan.html?UID=37034)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI-Pru-iProtect-Smart-ROP-Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/term-insurance\/iprotect-smart-return-of-premium-term-plan.html?UID=37034)\n\nW\/II\/1208\/2024-25\n\n[back]()\n\n- Affordable Life cover1 to protect your family: No Income Documents RequiredI\n- 12-month Premium BreakP @ ₹0 extra cost\n- Terminal Illness Benefit6 and 100% Premium Refund3 option @ ₹0 extra cost\n- Optional Additional Accidental Death4 and Disability5 rider\n- On 1st Year Premium: 12%\\! Online Discount & 7%L Loyalty Discount\n- Flat 15%F Lifetime Female Discount\n\n[check premium](https:\/\/www.iciciprulife.com\/term-insurance\/buy-iprotect-super-online.html?UID=43645)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_iProtect_Super_Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/term-insurance\/iprotect-super-term-plan.html?UID=43645)\n\n[back]()\n\n- Get tax\\*\\- free market linked returns\n- Zero charges\\! – No premium allocation and policy administration charges\n- Adopt to changing markets with free unlimited fund switching2\n- Inbuilt life cover1 to financially protect your family\n\n[Buy Online](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/buy-icici-pru-smart-insurance-plan-plus.html?UID=1160)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_SIP_Plus_Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/icici-pru-smart-insurance-plan-plus.html)\n\nT\\&C Apply\n\nIN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.\n\n[back]()\n\n- Create wealth with market-linked returns\n- Life cover1 + premium waiver2 + income3 benefit to financially protect your loved ones\n- Tax\\*-free returns\n- Loyalty additions4 of 2.5% of fund value\n- Access to make withdrawals13 from fund\n\n[Buy Online](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/buy-icici-pru-ulip-signature-assure.html?UID=1160)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Signature_Assure_Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/icici-pru-ulip-signature-assure.html)\n\nT\\&C Apply\n\nIN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.\n\n[back]()\n\n- Investment and returns in US dollars, enabling wealth creation without INR depreciation risk\n- Portfolio diversification through investment in global and Indian markets\n- Life cover3 that protects your family’s future\n- Systematic withdrawal plan9 to withdraw money regularly from your policy\n- Flexibility of partial withdrawals\n- Waiver of premium option1\n\n[Buy Now](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/buy-icici-pru-global-wealth-multiplier-for-nri.html?UID=3)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/prospectus\/ICICI-Pru-Global-Wealth-Multiplier-Prospectus.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/global-insurance-plans\/icici-pru-global-wealth-multiplier.html)\n\nIN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.\n\n[back]()\n\n- Potential to grow wealth through market linked returns\n- Level of life cover2 as per your choice\n- Systematic withdrawal plan3 to withdraw money regularly from your policy\n- Tax benefits\\* as per prevailing tax laws\n- Choice of 4 portfolio strategies and wide range of funds4\n\n[Buy Online](https:\/\/www.iciciprulife.com\/ulip-plans\/icici-pru-platinum-online.html?UID=41143)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Know More](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/icici-pru-platinum.html)\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Platinum_Brochure.pdf)\n\n[back]()\n\n- Build your retirement corpus through market-linked returns and live a stress-free life after retirement\n- Tax-free commutation of up to 60% of the vesting benefit1\n- Flexibility of Partial Withdrawals2\n- Choice of 3 portfolio strategies and a wide range of funds3\n- Low-cost charge structure with return of charges at vesting4\n\n[Buy Online](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/buy-icici-pru-signature-pension-plan.html?UID=1160)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Signature_Pension_Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/icici-pru-signature-pension-plan.html?UID=1725)\n\n[back]()\n\n- Invest only once and enjoy benefits for entire policy term\n- 100% amount invested in wide range of funds\n- Choice of multiple funds\n- Life cover to protect your loved ones\n- Tax benefits\n\n[Know More](https:\/\/www.iciciprulife.com\/ulip-plans\/icici-single-premium-policy-pru-one-wealth.html?UID=1725)\n\n[Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru1_Wealth_Brochure.pdf)\n\n[back]()\n\nPremium starts at \\`2500\/- p.m.\n\n- Invest in your choice of equity, debt or balanced funds\n- Choice of 4 portfolio strategies\n- Life cover to protect your loved ones\n- Get rewarded with Loyalty Additions & Wealth Boosters\n- Tax benefits\n\n[BUY ONLINE](https:\/\/www.iciciprulife.com\/ulip-plans\/buy-icici-ulip-returns-calculator-lifetime-classic-online.html?UID=1160)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_LifeTime_Classic_Brochure_Final.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/ulip-plans\/icici-ulip-lifetime-classic-plan.html?UID=1725)\n\n[back]()\n\n- Grow your wealth through market linked returns\n- Goal Assurance with Future Secure2 (i.e. Waiver of Premium)\n- Financial security for your family in your absence with life cover6 and Family Income5\n- Return3 of premium allocation charges and policy administration charges at maturity\n- Assurance of protecting your investments through Maturity Protect4\n- Choice of 4 portfolio strategies and wide range of funds1\n- Tax benefits7 as per prevailing tax laws\n\n[Buy Online](https:\/\/www.iciciprulife.com\/protection-saving-plans\/buy-icici-pru-signature-capital-guarantee-two.html?UID=1160)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Smart_Goal_Assure_Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/icici-pru-smart-goal-assure.html)\n\n[back]()\n\n- Financial protection for your loved ones with life cover\n- Tax\\*-free returns\n- Return of mortality and policy administration charges1\n- Withdraw money regularly from your policy with SWP3\n\n[BUY ONLINE](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/icici-pru-signature-ulip-calculator.html?UID=1160)\n\n[Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Signature_Online_Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/icici-pru-ulip-signature.html?UID=1725)\n\nFor offline Signature refer to [Offline Signature Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Signature_Offline_Brochure.pdf)\n\n[back]()\n\n- Financial protection for your loved ones with life insurance cover3\n- Return of Total Premium Allocation Charges at a compounding rate of 7% per annum1\n- High Premium Benefit to boost your fund value2\n- Enjoy policy benefits till 99 years of age with Whole Life policy term option\n- Systematic withdrawal plan4 to withdraw money regularly from your policy\n\n[Know More](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/icici-pru-wealth-elite-pro.html)\n\n[Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI-Pru-Wealth-Elite-Pro.pdf)\n\n[back]()\n\n- Create a corpus for your child's future with market linked returns\n- Life cover1 + in built premium waiver18 to financially protect your child in your absence\n- Income3 benefit to cover necessary expenses in case of parent’s sudden demise\n- Tax\\* benefits under the Income Tax Act, 2025\n\n[buy online](https:\/\/www.iciciprulife.com\/child-insurance\/buy-icici-pru-ulip-smartkid-assure.html?UID=1160)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Signature_Assure_Brochure.pdf)\n\n\\* T\\&C Apply\n\nIN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.\n\n[back]()\n\n- A 360° plan to protect your child’s future with guarantee2\n- Flexibility to get payouts as per child’s milestones^\n- Life Cover1 + waiver of premium18 + regular income3 guaranteed2 in your absence\n- 100% tax-free\\* returns and tax\\* benefits on premiums paid under the Income Tax Act, 2025\n\n[BUY ONLINE](https:\/\/www.iciciprulife.com\/child-insurance\/buy-icici-pru-smartkid-360.html?UID=1160)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI-Pru-Smart-Kid-360-Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/child-insurance\/icici-pru-smart-kid-360.html)\n\n\\*T\\&C Apply\n\nW\/II\/1778\/2025-26\n\n[back]()\n\n- Market-linked returns12 + 100% security9 of investment\n- Life Cover4 to financially protect your loved ones in your absence\n- Wealth boosters1 addition to boost your returns\n- Tax2\\-free returns\n\n[Buy Online](https:\/\/www.iciciprulife.com\/protection-saving-plans\/buy-icici-pru-signature-capital-guarantee-two.html?UID=1160)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Prudential_Signature_Capital_Guarantee_II_Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/protection-saving-plans\/capital-guarantee-plan.html)\n\nIN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.\n\n[back]()\n\n- 100% Capital guarantee1 + market-linked returns2\n- Diverse fund options across equity, balanced and debt\n- Protect your loved ones financially with a life cover4\n- Tax benefits3 as per prevailing tax laws\n- Boost your returns with maturity boosters6\n\n[Buy Online](https:\/\/www.iciciprulife.com\/protection-saving-plans\/capital-guarantee-solution-calculator.html?UID=39761)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Save_N_Grow_Brochure.pdf)\n\nIN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.\n\n[back]()\n\n- Guaranteed Income2 to help you achieve your financial goals\n- Flexibility to choose Percentage of MoneyBack Benefit4 and when you want to receive MoneyBack Benefit4\n- Life Insurance Cover1 for financial security of your family\n\n[Buy Online](https:\/\/www.iciciprulife.com\/protection-saving-plans\/buy-icici-pru-gift-pro.html?UID=1160)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_GIFT_Pro_Brochure_V23_Webview.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/protection-saving-plans\/icici-pru-gift-pro.html?UID=1725)\n- [![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/all\/prospectus-brochure-icon.svg) Prospectus](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_GIFT_Pro_Brochure.pdf)\n\n2Conditions apply\n\n[back]()\n\n- Guaranteed benefits1 in the form of lump sum\n- Life insurance cover2 for financial security of your family\n- Tax benefits3 may be applicable on premiums paid and benefits received as per prevailing tax laws\n\n[Buy Online](https:\/\/www.iciciprulife.com\/protection-saving-plans\/icici-pru-guaranteed-income-for-tomorrow-calculator.html?UID=1160)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Guaranteed_Income_For_Tomorrow.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/protection-saving-plans\/icici-pru-guaranteed-income-for-tomorrow.html?UID=1160)\n\n[back]()\n\n- Regular income1 up to 99 years of age followed by a lump sum2 on maturity\n- Option to start receiving income immediately from the end of 1st policy year or defer3 it for a few years as per your need\n- Choice to start receiving income instantly within 7 working days of realisation of first year's premium by the company post issuance of the policy\n- Protection through life cover4 till up to 99 years of age\n- Tax benefits5 may be applicable on premiums paid and benefits received as per prevailing tax laws\n\n[Buy Online](https:\/\/www.iciciprulife.com\/protection-saving-plans\/buy-icici-pru-gold.html?UID=37635)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_GOLD_Brochure_Webview.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/protection-saving-plans\/icici-pru-gold.html?UID=1725)\n- [![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/all\/prospectus-brochure-icon.svg) Prospectus](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI-Pru-Gold-Brochure.pdf)\n\n[back]()\n\n- Savings with the comfort of guarantee\\#\n- Flexibility in premium payment term\n- Security of your loved ones with potential for wealth creation and your Life Cover1\n\n[BUY ONLINE](https:\/\/www.iciciprulife.com\/money-back-endowment-plans\/future-perfect-savings-plan-calculator.html?UID=1160)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI%20Future%20Perfect%20-%20Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/money-back-endowment-plans\/future-perfect-endowment-plan.html?UID=1725)\n\n[back]()\n\n- Build your retirement corpus through market-linked returns and live a stress-free life after retirement\n- Tax-free commutation of up to 60% of the vesting benefit1\n- Flexibility of Partial Withdrawals2\n- Choice of 3 portfolio strategies and a wide range of funds3\n- Low-cost charge structure with return of charges at vesting4\n\n[Buy Online](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/buy-icici-pru-signature-pension-plan.html?UID=1160)\n\n[Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Signature_Pension_Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/icici-pru-signature-pension-plan.html?UID=1725)\n\n[back]()\n\n- A regular-pay deferred annuity plan that helps you gradually build the retirement savings and provide guaranteed income for life\n- Flexible premium paying terms and deferment periods\n- Choice of increasing annuity options that will give you inflation hedged retirement income in your golden years\n- Flexibility to withdraw up to 60% of total premiums paid as lumpsum\n- Financial security for your family even in your absence, with the Waiver of Premium feature3\n- Annuity plan can cover either single or joint life2\n- Tax benefits as per prevailing tax laws\n\n[Buy Online](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/guaranteed-pension-plan-flexi-calculator.html?UID=1160)\n\n[Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_GPP_Flexi_Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/guaranteed-pension-plan-flexi.html?UID=1725)\n- [![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/all\/prospectus-brochure-icon.svg) Prospectus](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_GPP_Flexi_Prospectus.pdf)\n\n[back]()\n\n- Pay just once and get a guaranteed lifelong income\n- Continue pension for spouse after you with the Joint Life1 option\n- Purchase Price is returned back to your nominee2\n- Option to avail a loan against your policy3\n\n[Buy Online](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/buy-icici-pru-saral-pension-plan.html?UID=1160)\n\n[Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Saral_Pension_Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/icici-pru-saral-pension-plan.html?UID=1725)\n\n[back]()\n\n- Build your retirement savings with guaranteed benefits1 & bonuses2\n- Tax-free commutation of upto 60% of the vesting benefit3\n- Flexibility of cash withdrawals4\n- Free health check-up5\n\n[Buy Online](https:\/\/buy.iciciprulife.com\/buy\/EBI.htm#\/PreEBI\/D05)\n\n[Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Know More](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/icici-pru-gold-pension-savings.html?UID=1725)\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Gold_Pension_Savings_Brochure.pdf)\n\n1 T\\&C Apply\n\n[back]()\n\n- Single premium plan to get guaranteed income for the rest of your life\n- Option to defer income by up to 10 years\n- Annuity plan can cover either single or joint life\n- Flexible payout options to suit your need\n- Tax benefits^ on premiums paid and on maturity\n\n[Buy Online](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/guaranteed-pension-plan-calculator.html?UID=1160&persona=GPPDA)\n\n[Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Know More](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/guaranteed-pension-plan.html)\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Guaranteed_Pension_Plan.pdf)\n\n[back]()\n\n- Single premium plan to get guaranteed income for the rest of your life\n- Option to get annuity income as early as next month\n- Annuity plan can cover either single or joint life\n- Flexible payout options to suit your need\n- Tax benefits^ on premiums paid and on maturity\n\n[Buy Online](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/guaranteed-pension-plan-calculator.html?UID=1160&persona=GPPIA)\n\n[Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Know More](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/guaranteed-pension-plan.html)\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Guaranteed_Pension_Plan.pdf)\n\n[back]()\n\n- Get comprehensive life cover1 along with potential to grow your wealth with Market Linked Returns\n- 1X return of mortality2 charges from 11th year onwards\n- 1X return of premium allocation charges2 charges from 11th year onwards\n- LoyaltyL additions: Extra units from policy year (67 less Entry Age) and onwards\n- Coverc continuance booster: Protection from adverse market scenarios\n- 20% Maturity booster3\n\n[CHECK PREMIUM](https:\/\/www.iciciprulife.com\/ulip-plans\/buy-icici-protect-and-gain-whole-life.html?UID=56633)\n\n[Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Protect_N_Gain_Whole_Life_Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/ulip-plans\/icici-pru-protect-and-gain-whole-life.html)\n\n[back]()\n\n- Increasing life cover1 to secure a legacy@ for your family\n- 100% payout on Terminal illness3\n- Complimentary health checkup\\#\n- Return of 100% of Total Premium Paid upon maturity^^\n\n[Know More](https:\/\/www.iciciprulife.com\/protection-saving-plans\/icici-pru-wealth-forever.html?UID=1725)\n\n[Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Wealth_Forever_Brochure.pdf)\n- [![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/all\/prospectus-brochure-icon.svg) Prospectus](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Wealth_Forever_Prospectus.pdf)\n\n[back]()\n\n- A regular income 1 up to 99 years of age\n- A lumpsum 2 on maturity as your legacy for your loved ones\n- Protection of life cover4 throughout the policy term\n- Tax5 benefits may be applicable on premiums paid and benefits received as per prevailing tax laws\n\n[Buy Online](https:\/\/www.iciciprulife.com\/protection-saving-plans\/buy-icici-pru-gold.html?UID=37635)\n\n[Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_GOLD_Brochure_Webview.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/protection-saving-plans\/icici-pru-gold.html?UID=1725)\n- [![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/all\/prospectus-brochure-icon.svg) Prospectus](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI-Pru-Gold-Brochure.pdf)\n\n[back]()\n\n- Comprehensive coverage1 against women specific critical illnesses2 and surgeries2\n- Cover1 for surgeries2 resulting from specific illnesses2\n- Fixed lump sum1 pay-out on diagnosis of any of the covered critical illnesses2\n- Premium remains guaranteed3 throughout the coverage term\n- Coverage1 for pregnancy complications and newborn complications through Maternity Care Benefit under Health Care Plus plan option\n- Premium Sabbatical4 Benefit which allows you to get one full year’s premium holiday, while enjoying full policy benefits\n\n[Check Premium](https:\/\/www.iciciprulife.com\/health-insurance\/buy-icici-pru-wish.html?UID=43629)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Wish_Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/health-insurance\/icici-pru-wish.html)\n- [![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/all\/prospectus-brochure-icon.svg) Prospectus](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Wish_Prospectus.pdf)\n\n[back]()\n\n- Up to ₹1.5 crore 60 Critical Illnesses2 cover (optional)\n- Adequate Life cover2a to protect your family\n- Covers diseases2 like Cancer, Heart Attack, organ failure, etc. (optional)\n- Lumpsum Optional Critical Illness2 claims payout based on diagnostic report\n- In-built Terminal Illness Benefit6 and 12-month premium break4 option\n- Tax benefit\\* on premiums paid and tax-free\\*\\* claims payout and returns\n\n[Check Premium](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-term-insurance-calculator.html?UID=43583)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI%20Pru%20iProtect%20Smart.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-plus-term-plan.html?UID=43583)\n\n\\*Conditions apply\n\n[back]()\n\n- Competitive premium rates\n- Flexible premium payment modes\n- Customized coverage as per organization’s structure\n- Seamless addition\/removal of new employees\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Group_Term_Plus_Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/group-insurance-plans\/group-term-plus.html)\n\n[back]()\n\n- Choose from a range of 10 Debt and Equity oriented funds\n- Market-linked returns\n- Policy value- based loyalty additions added every year\n- Tax\\* benefits as per prevailing laws\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Group_Unit_Linked_Employee_Benefit_Plan.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/group-insurance-plans\/group-unit-linked-employee-benefit-plan.html)\n\nIN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.\n\n[back]()\n\n- Interest accruals at the end of each financial year\n- Flexibility to deposit contributions\n- Withdrawals from the policy under defined scheme rules\n- Customised schemes for employee benefits\n- Tax\\* benefits as per prevailing tax laws\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Group_Suraksha_Plus.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/group-insurance-plans\/group-suraksha-plus.html)\n\n[back]()\n\n- Choose from 8 fund options\n- Free switching between funds at no extra cost\\*\n- Loyalty additions allocated at the end of every financial year based on policy value\n- Tax\\* benefits as per prevailing laws\n- Annuity purchase options including joint life and return of purchase price\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Group_Unit_Linked_Superannuation_Plus.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/group-insurance-plans\/group-unit-linked-superannuation-plus.html)\n\nIN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.\n\n[back]()\n\n- Choice of 5 fund options\n- Minimum 100% capital guarantee on contributions\n- Tax\\* benefits as per prevailing laws\n- Policy value-based loyalty additions\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Group_Unit_Linked_Superannuation.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/group-insurance-plans\/group-unit-linked-superannuation.html)\n\nIN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.\n\n[back]()\n\n- Interest accruals at the end of the financial year\n- Minimum guarantees as per scheme options to the extent of 100% of contributions made\n- Employee benefits payable on exit as per scheme rules\n- Tax\\* benefits as per prevailing laws\n- Annuity purchase options including joint life and return of purchase price\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Group_Suraksha_Plus_Superannuation.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/group-insurance-plans\/group-suraksha-plus-superannuation.html)\n\n[back]()\n\n- Wide range of annuity options\n- Fixed payout, that is free from market fluctuations\n- Immediate annuity payout - monthly, quarterly, half-yearly or yearly\n- Return of Purchase Price (optional) on death, Critical Illness or Permanent Disability due to accident\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/Group_Immediate_Annuity_Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/group-insurance-plans\/immediate-annuity.html)\n\n[back]()\n\n- Covers up to 33 critical illnesses\n- Opt in at the start or renewal of the base policy\n- Option to accelerate the base cover on diagnosis of enlisted Critical Illnesses (CI)\n- Customised schemes for employee benefits\n- Flexibility to pay one-time, annual, semi-annual, quarterly, or monthly premiums\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Non-Linked_Group_Critical_Illness_Rider.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/group-insurance-plans\/group-non-linked-critical-illness-rider.html)\n\n[back]()\n\n- Added layer of protection against accidental death or disability\n- Choice to opt in at the start or renewal of the base policy\n- Option to accelerate the base cover on diagnosis of enlisted Critical Illnesses (CI)\n- Employers can avail of tax\\* benefits as per the prevailing laws\n- Flexibility to pay one-time, annual, semi-annual, quarterly, or monthly premiums\n- Avail of the tax\\* benefits as per prevailing laws\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/groups-brochure\/ICICI_Pru_Non_Linked_Group_ADD_Rider-Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/group-insurance-plans\/group-non-linked-accidental-death-and-disability-rider.html)\n\n[back]()\n\n[back]()\n\n[back]()\n\n[back]()\n\n[back]()\n\n[back]()\n\n[back]()\n\n[back]()\n\n[back]()\n\n[back]()\n\n[back]()\n\n[back]()\n\n[back]()\n\n[back]()\n\n[back]()\n\n[back]()\n\n[back]()\n\n[back]()\n\n[back]()\n\n[back]()\n\n- [History](https:\/\/www.iciciprulife.com\/about-us\/company-overview.html)\n- [Promoters](https:\/\/www.iciciprulife.com\/about-us\/company-overview\/promoters.html?ID=about-promoters)\n- [Board of Directors](https:\/\/www.iciciprulife.com\/about-us\/company-overview\/board-of-directors.html?ID=about-bod)\n- [Board Committees](https:\/\/www.iciciprulife.com\/about-us\/company-overview\/board-committees.html?ID=about-com)\n- [Key Persons](https:\/\/www.iciciprulife.com\/about-us\/company-overview\/key-persons.html?ID=about-mang)\n- [Corporate Social Responsibility](https:\/\/www.iciciprulife.com\/about-us\/company-overview\/corporate-social-responsibility.html?ID=about-csr)\n\n[back]()\n\n- [Financial Information](https:\/\/www.iciciprulife.com\/about-us\/investor-relations\/financial-information.html?ID=about2)\n- [Public Disclosures](https:\/\/www.iciciprulife.com\/about-us\/investor-relations\/yearly-public-disclosures.html?ID=about3)\n- [Active Agents List](https:\/\/www.iciciprulife.com\/about-us\/investor-relations\/yearly-public-disclosures.html?ID=about3)\n- [Information to Shareholder](https:\/\/www.iciciprulife.com\/about-us\/shareholder-information\/notices.html?ID=about-notice)\n- [Bulletin Board](https:\/\/www.iciciprulife.com\/about-us\/bulletin-board.html?ID=about4)\n\n[back]()\n\n- Corporate Policies\n  \n  [Know More](https:\/\/www.iciciprulife.com\/about-us\/corporate-policies.html?ID=about-corp)\n\n[back]()\n\n- [Press Releases](https:\/\/www.iciciprulife.com\/about-us\/media-center\/press-releases.html?ID=about5)\n\n[back]()\n\n- Awards and Accolades\n  \n  [View Awards](https:\/\/www.iciciprulife.com\/about-us\/media-center\/awards-and-accolades.html?ID=about6)\n\n[back]()\n\n- View Our Ads\n  \n  [View Ads](https:\/\/www.iciciprulife.com\/about-us\/media-center\/view-our-ads.html?ID=about7)\n\n[back]()\n\n[back]()","attrs_readable_markdown":"1\\. Cancer of Specified Severity![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nA malignant tumour characterised by the uncontrolled growth & spread of malignant cells with invasion & destruction of normal tissues. This diagnosis must be supported by histological evidence of malignancy & confirmed by a pathologist. The term cancer includes leukemia, lymphoma and sarcoma.  \nThe following are excluded –1\\.Tumours showing the malignant changes of carcinoma in situ & tumours which are histologically described as premalignant or noninvasive, including but not limited to: Carcinoma in situ of breasts, Cervical dysplasia CIN-1, CIN -2 & CIN-3.  \n2\\.Any skin cancer other than invasive malignant melanoma  \n3\\.All tumours of the prostate unless histologically classified as having a Gleason score greater than 6 or having progressed to at least clinical TNM classification T2N0M0.  \n4\\.Papillary micro - carcinoma of the thyroid less than 1 cm in diameter  \n5\\.Chronic lymphocyctic leukaemia less than RAI stage 3  \n6\\.Microcarcinoma of the bladder  \n7\\.All tumours in the presence of HIV infection\n\n2\\. Angioplasty\\#![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nMeans the actual undergoing for the first time of Coronary Artery Balloon Angioplasty and \/or the insertion of a stent to correct a narrowing of minimum 60% stenos is, of one or more major Coronary arteries as shown by Angiographic evidence.The revascularisation must be considered medically necessary by a consultant Cardiologist.Coronary arteries herein refer only to Left Main Stem, Left Anterior Descending, Circumflex and Right Coronary Artery.Intra Arterial investigative procedures and Diagnostic Angiography are not included.Evidence required: In addition to the other documents, the Company shall require the following:Coronary Angiography Report – Pre and post Angioplasty or Other Invasive Treatment as defined aboveDischarge Card of the hospital where the procedure was done\n\n3\\. Heart Attack![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nThe first occurrence of myocardial infarction which means the death of a portion of the heart muscle as a result of inadequate blood supply to the relevant area. The diagnosis for this will be evidenced by all of the following criteria:  \n1\\.A history of typical clinical symptoms consistent with the diagnosis of Acute Myocardial Infarction (for e.g. typical chest pain)  \n2\\.New characteristic electrocardiogram changes3\\.Evation of infarction specific enzymes, Troponins or other specific biochemical markers.The following are excluded:1\\.Non-ST-segment elevation myocardial infarction (NSTEMI) with elevation of Troponin I or T; 2\\.Other acute Coronary Syndromes3\\.Any type of angina pectoris.\n\n4\\. Heart Valve Surgery![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nThe actual undergoing of open-heart valve surgery is to replace or repair one or more heart valves, as a consequence of defects in, abnormalities of, or disease-affected cardiac valve(s). The diagnosis of the valve abnormality must be supported by an echocardiography and the realization of surgery has to be confirmed by a specialist medical practitioner. Catheter based techniques including but not limited to, balloon valvotomy\/valvuloplasty are excluded.\n\n5\\. Surgery to Aorta![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nThe actual undergoing of major surgery to repair or correct an aneurysm, narrowing, obstruction or dissection of the aorta through surgical opening of the chest or abdomen. For the purpose of this definition, aorta shall mean the thoracic and abdominal aorta but not its branches.\n\n6\\. Cardiomyopathy![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nAn impaired function of the heart muscle, unequivocally diagnosed as Cardiomyopathy by a Registered Medical Practitioner who is a cardiologist, and which results in permanent physical impairment to the degree of New York Heart Association classification Class III or Class IV, or its equivalent, based on the following classification criteria:Class III - Marked functional limitation. Affected patients are comfortable at rest but performing activities involving less than ordinary exertion will lead to symptoms of congestive cardiac failure.Class IV - Inability to carry out any activity without discomfort. Symptoms of congestive cardiac failure are present even at rest. With any increase in physical activity, discomfort will be experienced. The Diagnosis of Cardiomyopathy has to be supported by echographic findings of compromised ventricular performance. Irrespective of the above, Cardiomyopathy directly related to alcohol or drug abuse is excluded.\n\n7\\. Primary Pulmonary hypertension![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nPrimary Pulmonary Hypertension with substantial right ventricular enlargement confirmed by a Cardiologist with the help of investigations including Cardiac Catheterization (cardiac catheterization proving the pulmonary pressure to be above 30 mm of Hg), resulting in permanent irreversible physical impairment of at least Class IV of the New York Heart Association (NYHA) Classification of Cardiac Impairment and resulting in the Life Insured being unable to perform his \/ her usual occupation.The NYHA Classification of Cardiac Impairment (Source: “Current Medical Diagnosis and Treatment – 39th Edition”):1\\.Class I: No limitation of physical activity. Ordinary physical activity does not cause undue fatigue, dyspnoea, or anginal pain.2\\.Class II: Slight limitation of physical activity. Ordinary physical activity results in symptoms.3\\.Class III: Marked limitation of physical activity. Comfortable at rest, but less than ordinary activity causes symptoms4\\.Class IV: Unable to engage in any physical activity without discomfort. Symptoms may be present even at rest.\n\n8\\. CABG![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nThe actual undergoing of open chest surgery for the correction of one or more coronary arteries, which is\/are narrowed or blocked, by coronary artery bypass graft (CABG). The diagnosis must be supported by a coronary angiography and the realization of surgery has to be confirmed by a specialist medical practitioner.   \nExcluded are:1\\.Angioplasty and\/or any other intra-arterial procedures  \n2\\.Any key-hole or laser surgery\n\n9\\. Blindness![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nTotal and irreversible loss of sight in both eyes as a result of illness or accident. The blindness must be confirmed by an Ophthalmologist.\n\n10\\. Chronic Lung Disease![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nEnd stage lung disease causing chronic respiratory failure, where all of the following criteria are met:(a)Permanent oxygen therapy is required;(b)A consistent forced expiratory volume (FEV1) test value of less than one (1) liter (during the first second of a forced exhalation);(c)Baseline arterial blood gas analysis showing arterial partial oxygen pressure at a level of fifty-five (55) mmHg or less; and(d)Dyspnea at rest.The diagnosis must be confirmed by a respiratory physician\n\n11\\. Chronic Liver Disease![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nEnd Stage liver failure as evidenced by all of the following:(a)Permanent jaundice;(b)Ascites; and(c)Hepatic encephalopathy.(d)Esophageal or Gastric Varices and Portal HypertensionIrrespective of the above, liver failure due or related to alcohol or drug abuse is excluded.\n\n12\\. Kidney Failure![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nEnd stage renal disease presenting as chronic irreversible failure of both kidneys to function, as a result of which either regular renal dialysis (hemodialysis or peritoneal dialysis) is instituted or renal transplantation is carried out. Diagnosis has to be confirmed by a specialist medical practitioner.\n\n13\\. Major Organ\/ Bone Marrow Transplant![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nI.The actual undergoing of a transplant of: i.One of the following human organs: heart, lung, liver, kidney, pancreas, that resulted from irreversible end-stage failure of the relevant organ, or ii.Human bone marrow using haematopoietic stem cells. The undergoing of a transplant has to be confirmed by a specialist medical practitioner.II.The following are excluded: i.Other stem-cell transplants ii.Where only islets of langerhans are transplanted\n\n14\\. Apallic Syndrome![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nUniversal necrosis of the brain cortex, with the brain stem intact. Diagnosis must be definitely confirmed by a Registered Medical practitioner who is also a neurologist holding such an appointment at an approved hospital. This condition must be documented for at least one (1) month.The definition of approved hospital will be in line with Guidelines on Standardization in Health Insurance and as defined below:A hospital means any institution established for in- patient care and day care treatment of sickness and \/ or injuries and which has been registered as a hospital with the local authorities, wherever applicable, and is under the supervision of a registered and qualified medical practitioner AND must comply with all minimum criteria as under:\\-Has at least 10 inpatient beds, in those towns having a population of less than 10,00,000 and 15 inpatient beds in all other places;\\-Has qualified nursing staff under its employment round the clock;\\-Has qualified medical practitioner (s) in charge round the clock;\\-Has a fully equipped operation theatre of its own where surgical procedures are carried out\\-Maintains daily records of patients and will make these accessible to the Insurance company’s authorized personnel.\n\n15\\. Benign Brain Tumour![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nA benign intracranial tumour where the following conditions are met:i.The tumour is life threatening;ii.It has caused damage to the brain; andiii.It has undergone surgical removal or, if inoperable, has caused a permanent neurological deficit.The following are excluded: cysts, granulomas, vascular malformations, haematomas, tumours of the pituitary gland or spine, tumours of the acoustic nerve, Calcification, Meningiomas.Its presence must be confirmed by a neurologist or neurosurgeon and supported by findings on Magnetic Resonance Imaging, Computerised Tomography, or other reliable imaging techniques.\n\n16\\. Brain Surgery![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nThe actual undergoing of surgery to the brain, under general anaesthesia, during which a Craniotomy is performed. Burr hole and brain surgery as a result of an accident is excluded. The procedure must be considered necessary by a qualified specialist and the benefit shall only be payable once corrective surgery has been carried out.\n\n17\\. Coma![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nA state of unconsciousness with no reaction or response to external stimuli or internal needs. This diagnosis must be supported by evidence of all of the following:No response to external stimuli continuously for at least 96 hours; Life support measures are necessary to sustain life; and Permanent neurological deficit which must be assessed at least 30 days after the onset of the comaThe condition has to be confirmed by a specialist medical practitioner. Coma resulting directly from alcohol or drug abuse is excluded.\n\n18\\. Major Head Trauma![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nAccidental head injury resulting in permanent neurological deficit to be assessed no sooner than six (6) weeks (and documented for at least 3 months) from the date of the Accident. This diagnosis must be confirmed by a Registered Medical practitioner who is also a neurologist and supported by unequivocal findings on Magnetic Resonance Imaging, Computerized Tomography, or other reliable imaging techniques. The Accident must be caused solely and directly by accidental, violent, external and visible means and independently of all other causes. The resultant permanent functional impairment must result in an inability to perform at least 3 of the Activities of Daily Living as defined in the policy either with or without the aid of mechanical equipment, special devices or other aids or adaptationsThe following are excluded:(a)Spinal cord injury; and(b)Head injury due to any other causes.The Activities of Daily Living are:1\\.Washing: the ability to wash in the bath or shower (including getting into and out of the bath or shower) or wash satisfactorily by other means;2\\.Dressing: the ability to put on, take off, secure and unfasten all garments and, as appropriate, any braces, artificial limbs or other surgical appliances;3\\.Transferring: the ability to move from a bed to an upright chair or wheelchair and vice versa;4\\.Mobility: the ability to move indoors from room to room on level surfaces;5\\.Toileting: the ability to use the lavatory or otherwise manage bowel and bladder functions so as to maintain a satisfactory level of personal hygiene;6\\.Feeding: the ability to feed oneself once food has been prepared and made available.\n\n19\\. Permanent Paralysis of limbs![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nTotal and irreversible loss of use of two or more limbs as a result of injury or disease of the brain or spinal cord. A specialist medical practitioner must be of the opinion that the paralysis will be permanent with no hope of recovery and must be present for more than 3 months.\n\n20\\. Stroke resulting in permanent symptoms![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nAny cerebrovascular incident producing permanent neurological sequelae. This includes infarction of brain tissue, thrombosis in an intracranial vessel, haemorrhage and embolisation from an extracranial source. Diagnosis has to be confirmed by a specialist medical practitioner and evidenced by typical clinical symptoms as well as typical findings in CT Scan or MRI of the brain. Evidence of permanent neurological deficit lasting for at least 3 months has to be produced.The following are excluded:Transient ischemic attacks (TIA) Traumatic injury of the brain Vascular disease affecting only the eye or optic nerve or vestibular functions.\n\n21\\. Alzheimer's Disease![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nDeterioration or loss of intellectual capacity as confirmed by clinical evaluation and imaging tests, arising from Alzheimer's Disease or irreversible organic disorders, resulting in significant reduction in mental and social functioning requiring the continuous supervision of the Life Assured. This diagnosis must be supported by the clinical confirmation of an appropriate Registered Medical practitioner who is also a neurologistand supported by the Company’s appointed doctor.The following are excluded:i.Non-organic disease such as neurosis and psychiatric illnesses; andii.Alcohol-related brain damageiii.Any other type of irreversible organic disorder\/dementia\n\n22\\. Motor Neurone Disease with permanent symptoms![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nMotor neurone disease diagnosed by a specialist medical practitioner as spinal muscular atrophy, progressive bulbar palsy, amyotrophic lateral sclerosis or primary lateral sclerosis. There must be progressive degeneration of corticospinal tracts and anteriorhorn cells or bulbar efferent neurons. There must be current significant and permanent functional neurological impairment with objective evidence of motor dysfunction that has persisted for a continuous period of at least 3 months.\n\n23\\. Multiple Sclerosis with persisting symptoms![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nThe definite occurrence of multiple sclerosis. The diagnosis must be supported by all of the following:i.Investigations including typical MRI and CSF findings, which unequivocally confirm the diagnosis to be multiple sclerosis;ii.There must be current clinical impairment of motor or sensory function, which must have persisted for a continuous period of at least 6 months, andiii.Well documented clinical history of exacerbations and remissions of said symptoms or neurological deficits with at least two clinically documented episodes at least one month apart.Other causes of neurological damage such as SLE and HIV are excluded.\n\n24\\. Muscular Dystrophy![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nDiagnosis of muscular dystrophy by a Registered Medical Practitioner who is a neurologist based on three (3) out of four (4) of the following conditions:(a)Family history of other affected individuals;(b)Clinical presentation including absence of sensory disturbance, normal cerebro- spinal fluid and mild tendon reflex reduction;(c)Characteristic electromyogram; or(d)Clinical suspicion confirmed by muscle biopsy.The condition must result in the inability of the Life Assured to perform (whether aided or unaided) at least three (3) of the six (6) ‘Activities of Daily Living’ as defined, for a continuous period of at least six (6) months.\n\n25\\. Parkinson's Disease![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nUnequivocal Diagnosis of Parkinson’s Disease by a Registered Medical Practitioner who is a neurologist where the condition:(a)Cannot be controlled with medication;(b)Shows signs of progressive impairment; and(c)Activities of Daily Living assessment confirms the inability of the Insured to perform at least three (3) of the Activities of Daily Living as defined in the Policy, either with or without the use of mechanical equipment, special devices or other aids or adaptations in use for disabled persons.Drug-induced or toxic causes of Parkinson’s disease are excluded.\n\n26\\. Poliomyelitis![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nThe occurrence of Poliomyelitis where the following conditions are met:1\\.Poliovirus is identified as the cause and is proved by Stool Analysis,2\\.Paralysis of the limb muscles or respiratory muscles must be present and persist for at least 3 months.\n\n27\\. Loss of Independent Existence![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nConfirmation by a Consultant Physician of the loss of independent existence due to illness or trauma, lasting for a minimum period of 6 months and resulting in a permanent inability to perform at least three (3) of the following Activities of Daily LivingActivities of Daily Living:1\\.Washing: the ability to wash in the bath or shower (including getting into and out of the bath or shower) or wash satisfactorily by other means;2\\.Dressing: the ability to put on, take off, secure and unfasten all garments and, as appropriate, any braces, artificial limbs or other surgical appliances;3\\.Transferring: the ability to move from a bed to an upright chair or wheelchair and vice versa;4\\.Mobility: the ability to move indoors from room to room on level surfaces;5\\.Toileting: the ability to use the lavatory or otherwise manage bowel and bladder functions so as to maintain a satisfactory level of personal hygiene;6\\.Feeding: the ability to feed oneself once food has been prepared and made available.\n\n28\\. Loss of Limbs![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nThe loss by severance of two or more limbs, at or above the wrist or ankle. Loss of Limbs resulting directly or indirectly from self-inflicted injury, alcohol or drug abuse is excluded.\n\n29\\. Deafness![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nTotal and irreversible loss of hearing in both ears as a result of illness or accident. This diagnosis must be supported by audiometric and sound threshold tests provided and certified by an Ear, Nose, and Throat (ENT) specialist. Total means “the loss of at least 80 decibels in all frequencies of hearing” in both ears.\n\n30\\. Loss of Speech![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nTotal and irrecoverable loss of the ability to speak as a result of injury or disease to the Vocal Cords. The inability to speak must be established for a continuous period of 12 months. This diagnosis must be supported by medical evidence furnished by an Ear, Nose, and Throat (ENT) specialist.All psychiatric related causes are excluded.\n\n31\\. Medullary Cystic Disease![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nMedullary Cystic Disease where the following criteria are met:a)The presence in the kidney of multiple cysts in the renal medulla accompanied by the presence of tubular atrophy and interstitial fibrosis;b)Clinical manifestations of anaemia, polyuria, and progressive deterioration in kidney function; andc)The Diagnosis of Medullary Cystic Disease is confirmed by renal biopsy. Isolated or benign kidney cysts are specifically excluded from this benefit.Isolated or benign kidney cysts are specifically excluded from this benefit.\n\n32\\. Systematic lupus Eryth. w. Renal Involvement![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nMulti-system, autoimmune disorder characterized by the development of auto-antibodies, directed against various self-antigens. For purposes of the definition of “Critical Illness”, SLE is restricted to only those forms of systemic lupus erythematosus, which involve the kidneys and are characterized as Class III, Class IV, Class V or Class VI lupus nephritis under the Abbreviated International Society of Nephrology\/Renal Pathology Society (ISN\/RPS) classification of lupus nephritis (2003) below based on renal biopsy. Other forms such as discoid lupus, and those forms with only hematological and joint involvement are specifically excluded.Abbreviated ISN\/RPS classification of lupus nephritis (2003):Class I - Minimal mesangial lupus nephritisClass II - Mesangial proliferative lupus nephritisClass III - Focal lupus nephritisClass IV - Diffuse segmental (IV-S) or global (IV-G) lupus nephritisClass V - Membranous lupus nephritisClassVI - Advanced sclerosing lupus nephritis the final diagnosis must be confirmed by a certified doctor specialising in Rheumatology and Immunology.\n\n33\\. Major Burns![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nThird degree (i.e. full thickness skin destruction) burns covering at least twenty percent (20%) of the total body surface area.The condition should be confirmed by a Consultant Physician. Burns arising due to self-infliction are excluded.\n\n34\\. Aplastic Anaemia![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/components\/health-plan-popup\/icon_expand.png)\n\nIrreversible persistent bone marrow failure which results in anaemia, neutropenia and thrombocytopenia requiring treatment with at least two (2) of the following:(a)Blood product transfusion;(b)Marrow stimulating agents;(c)Immunosuppressive agents; or(d)Bone marrow transplantation.The Diagnosis of aplastic anaemia must be confirmed by a bone marrow biopsy. Two out of the following three values should be present:\\-Absolute Neutrophil count of 500 per cubic millimetre or less;\\-Absolute Reticulocyte count of 20,000 per cubic millimetre or less; and\\-Platelet count of 20,000 per cubic millimetre or less.\n\n\\* The CI Benefit for Angioplasty is subject to a maximum of Rs. 5,00,000. On payment of Angioplasty, if the CI Benefit is more than Rs. 5,00,000 the policy will continue for other CIs with CI Benefit reduced by Angioplasty payout and correspondingly Life cover reduced by the same amount. The future premiums payable for the residual CI Benefit and correspondingly reduced Life Cover will reduce proportionately.\n\nTerms and Conditions\n\n**Waiting period for Critical Illness Benefit:**\n\n1\\.The benefit shall not apply or be payable in respect of any Critical Illness of which the symptoms have occurred or for which care, treatment, or advice was recommended by or received from a Physician, or which first manifested itself or was contracted during the first six months from the Policy issue date or 3 months from the policy reinstatement date where the policy has lapsed for more than 3 months.\n\n2\\.In the event of occurrence of any of the scenarios mentioned above, or in case of a death claim, where it is established that the Life Assured was diagnosed to have any one of the covered critical illness during the waiting period for which a critical illness claim could have been made, the Company will refund all premiums paid from risk commencement date of the policy or from the date of reinstatement as applicable and the policy will terminate.\n\n3\\.No waiting period applies where Critical Illness is due to accident.\n\n**Exclusions for Critical Illness Benefit:**\n\nNo CI benefit will be payable in respect of any listed condition arising directly or indirectly from, though, in consequence of or aggravated by any of the following:\n\n1\\.Pre-Existing Conditions or conditions connected to a Pre-Existing Condition will be excluded. Pre-Existing is any condition for which the Life Assured had signs, or symptoms, and\/ or were diagnosed, and \/ or received medical advice \/ treatment within 48 months to prior to the first policy issued by the Company will be excluded.\n\n2\\.Existence of any Sexually Transmitted Disease (STD) and its related complications or Acquired Immune Deficiency Syndrome (AIDS) or the presence of any Human Immuno-deficiency Virus (HIV)\n\n3\\.Self-inflicted injury, suicide, insanity and deliberate participation of the life insured in an illegal or criminal act.\n\n4\\.Use of intoxicating drugs \/ alcohol \/ solvent, taking of drugs except under the direction of a qualified medical practitioner.\n\n5\\.War – whether declared or not, civil commotion, breach of law with criminal intent, invasion, hostilities (whether war is declared or not), rebellion, revolution, military or usurped power or wilful participation in acts of violence.\n\n6\\.Aviation other than as a fare paying passenger or crew in a commercial licensed aircraft.\n\n7\\.Taking part in any act of a criminal nature.\n\n8\\.Treatment for injury or illness caused by avocations \/ activities such as hunting, mountaineering, steeple-chasing, professional sports, racing of any kind, scuba diving, aerial sports, activities such as hand-gliding, ballooning, deliberate exposure to exceptional danger.\n\n9\\.Radioactive contamination due to nuclear accident.\n\n10\\.Failure to seek or follow medical advice, the Life assured has delayed medical treatment in order to circumvent the waiting period or other conditions and restriction applying to this policy.\n\n11\\.Any treatment of a donor for the replacement of an organ.\n\n12\\.A congenital condition of the insured.","meta_canonical":null}

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URL	https://www.iciciprulife.com/health-insurance/critical-illnesses.html
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Meta Title	List of 34 Critical Illnesses Covered \| ICICI Prulife
Meta Description	Find the list of 34 Critical Illnesses that are covered by ICICI Prulife. Learn about different types of critical illnesses & make an informed decision about your life insurance policy.
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Boilerpipe Text	1. Cancer of Specified Severity A malignant tumour characterised by the uncontrolled growth & spread of malignant cells with invasion & destruction of normal tissues. This diagnosis must be supported by histological evidence of malignancy & confirmed by a pathologist. The term cancer includes leukemia, lymphoma and sarcoma. The following are excluded – 1. Tumours showing the malignant changes of carcinoma in situ & tumours which are histologically described as premalignant or noninvasive, including but not limited to: Carcinoma in situ of breasts, Cervical dysplasia CIN-1, CIN -2 & CIN-3. 2. Any skin cancer other than invasive malignant melanoma 3. All tumours of the prostate unless histologically classified as having a Gleason score greater than 6 or having progressed to at least clinical TNM classification T2N0M0. 4. Papillary micro - carcinoma of the thyroid less than 1 cm in diameter 5. Chronic lymphocyctic leukaemia less than RAI stage 3 6. Microcarcinoma of the bladder 7. All tumours in the presence of HIV infection 2. Angioplasty # Means the actual undergoing for the first time of Coronary Artery Balloon Angioplasty and /or the insertion of a stent to correct a narrowing of minimum 60% stenos is, of one or more major Coronary arteries as shown by Angiographic evidence. The revascularisation must be considered medically necessary by a consultant Cardiologist. Coronary arteries herein refer only to Left Main Stem, Left Anterior Descending, Circumflex and Right Coronary Artery. Intra Arterial investigative procedures and Diagnostic Angiography are not included. Evidence required: In addition to the other documents, the Company shall require the following: Coronary Angiography Report – Pre and post Angioplasty or Other Invasive Treatment as defined above Discharge Card of the hospital where the procedure was done 3. Heart Attack The first occurrence of myocardial infarction which means the death of a portion of the heart muscle as a result of inadequate blood supply to the relevant area. The diagnosis for this will be evidenced by all of the following criteria: 1. A history of typical clinical symptoms consistent with the diagnosis of Acute Myocardial Infarction (for e.g. typical chest pain) 2. New characteristic electrocardiogram changes 3. Evation of infarction specific enzymes, Troponins or other specific biochemical markers. The following are excluded: 1. Non-ST-segment elevation myocardial infarction (NSTEMI) with elevation of Troponin I or T; 2. Other acute Coronary Syndromes 3. Any type of angina pectoris. 4. Heart Valve Surgery The actual undergoing of open-heart valve surgery is to replace or repair one or more heart valves, as a consequence of defects in, abnormalities of, or disease-affected cardiac valve(s). The diagnosis of the valve abnormality must be supported by an echocardiography and the realization of surgery has to be confirmed by a specialist medical practitioner. Catheter based techniques including but not limited to, balloon valvotomy/valvuloplasty are excluded. 5. Surgery to Aorta The actual undergoing of major surgery to repair or correct an aneurysm, narrowing, obstruction or dissection of the aorta through surgical opening of the chest or abdomen. For the purpose of this definition, aorta shall mean the thoracic and abdominal aorta but not its branches. 6. Cardiomyopathy An impaired function of the heart muscle, unequivocally diagnosed as Cardiomyopathy by a Registered Medical Practitioner who is a cardiologist, and which results in permanent physical impairment to the degree of New York Heart Association classification Class III or Class IV, or its equivalent, based on the following classification criteria: Class III - Marked functional limitation. Affected patients are comfortable at rest but performing activities involving less than ordinary exertion will lead to symptoms of congestive cardiac failure. Class IV - Inability to carry out any activity without discomfort. Symptoms of congestive cardiac failure are present even at rest. With any increase in physical activity, discomfort will be experienced. The Diagnosis of Cardiomyopathy has to be supported by echographic findings of compromised ventricular performance. Irrespective of the above, Cardiomyopathy directly related to alcohol or drug abuse is excluded. 7. Primary Pulmonary hypertension Primary Pulmonary Hypertension with substantial right ventricular enlargement confirmed by a Cardiologist with the help of investigations including Cardiac Catheterization (cardiac catheterization proving the pulmonary pressure to be above 30 mm of Hg), resulting in permanent irreversible physical impairment of at least Class IV of the New York Heart Association (NYHA) Classification of Cardiac Impairment and resulting in the Life Insured being unable to perform his / her usual occupation. The NYHA Classification of Cardiac Impairment (Source: “Current Medical Diagnosis and Treatment – 39th Edition”): 1. Class I: No limitation of physical activity. Ordinary physical activity does not cause undue fatigue, dyspnoea, or anginal pain. 2. Class II: Slight limitation of physical activity. Ordinary physical activity results in symptoms. 3. Class III: Marked limitation of physical activity. Comfortable at rest, but less than ordinary activity causes symptoms 4. Class IV: Unable to engage in any physical activity without discomfort. Symptoms may be present even at rest. 8. CABG The actual undergoing of open chest surgery for the correction of one or more coronary arteries, which is/are narrowed or blocked, by coronary artery bypass graft (CABG). The diagnosis must be supported by a coronary angiography and the realization of surgery has to be confirmed by a specialist medical practitioner. Excluded are: 1. Angioplasty and/or any other intra-arterial procedures 2. Any key-hole or laser surgery 9. Blindness Total and irreversible loss of sight in both eyes as a result of illness or accident. The blindness must be confirmed by an Ophthalmologist. 10. Chronic Lung Disease End stage lung disease causing chronic respiratory failure, where all of the following criteria are met: (a) Permanent oxygen therapy is required; (b) A consistent forced expiratory volume (FEV1) test value of less than one (1) liter (during the first second of a forced exhalation); (c) Baseline arterial blood gas analysis showing arterial partial oxygen pressure at a level of fifty-five (55) mmHg or less; and (d) Dyspnea at rest. The diagnosis must be confirmed by a respiratory physician 11. Chronic Liver Disease End Stage liver failure as evidenced by all of the following: (a) Permanent jaundice; (b) Ascites; and (c) Hepatic encephalopathy. (d) Esophageal or Gastric Varices and Portal Hypertension Irrespective of the above, liver failure due or related to alcohol or drug abuse is excluded. 12. Kidney Failure End stage renal disease presenting as chronic irreversible failure of both kidneys to function, as a result of which either regular renal dialysis (hemodialysis or peritoneal dialysis) is instituted or renal transplantation is carried out. Diagnosis has to be confirmed by a specialist medical practitioner. 13. Major Organ/ Bone Marrow Transplant I. The actual undergoing of a transplant of: i. One of the following human organs: heart, lung, liver, kidney, pancreas, that resulted from irreversible end-stage failure of the relevant organ, or ii. Human bone marrow using haematopoietic stem cells. The undergoing of a transplant has to be confirmed by a specialist medical practitioner. II. The following are excluded: i. Other stem-cell transplants ii. Where only islets of langerhans are transplanted 14. Apallic Syndrome Universal necrosis of the brain cortex, with the brain stem intact. Diagnosis must be definitely confirmed by a Registered Medical practitioner who is also a neurologist holding such an appointment at an approved hospital. This condition must be documented for at least one (1) month. The definition of approved hospital will be in line with Guidelines on Standardization in Health Insurance and as defined below:A hospital means any institution established for in- patient care and day care treatment of sickness and / or injuries and which has been registered as a hospital with the local authorities, wherever applicable, and is under the supervision of a registered and qualified medical practitioner AND must comply with all minimum criteria as under: - Has at least 10 inpatient beds, in those towns having a population of less than 10,00,000 and 15 inpatient beds in all other places; - Has qualified nursing staff under its employment round the clock; - Has qualified medical practitioner (s) in charge round the clock; - Has a fully equipped operation theatre of its own where surgical procedures are carried out - Maintains daily records of patients and will make these accessible to the Insurance company’s authorized personnel. 15. Benign Brain Tumour A benign intracranial tumour where the following conditions are met: i. The tumour is life threatening; ii. It has caused damage to the brain; and iii. It has undergone surgical removal or, if inoperable, has caused a permanent neurological deficit. The following are excluded: cysts, granulomas, vascular malformations, haematomas, tumours of the pituitary gland or spine, tumours of the acoustic nerve, Calcification, Meningiomas. Its presence must be confirmed by a neurologist or neurosurgeon and supported by findings on Magnetic Resonance Imaging, Computerised Tomography, or other reliable imaging techniques. 16. Brain Surgery The actual undergoing of surgery to the brain, under general anaesthesia, during which a Craniotomy is performed. Burr hole and brain surgery as a result of an accident is excluded. The procedure must be considered necessary by a qualified specialist and the benefit shall only be payable once corrective surgery has been carried out. 17. Coma A state of unconsciousness with no reaction or response to external stimuli or internal needs. This diagnosis must be supported by evidence of all of the following: No response to external stimuli continuously for at least 96 hours; Life support measures are necessary to sustain life; and Permanent neurological deficit which must be assessed at least 30 days after the onset of the coma The condition has to be confirmed by a specialist medical practitioner. Coma resulting directly from alcohol or drug abuse is excluded. 18. Major Head Trauma Accidental head injury resulting in permanent neurological deficit to be assessed no sooner than six (6) weeks (and documented for at least 3 months) from the date of the Accident. This diagnosis must be confirmed by a Registered Medical practitioner who is also a neurologist and supported by unequivocal findings on Magnetic Resonance Imaging, Computerized Tomography, or other reliable imaging techniques. The Accident must be caused solely and directly by accidental, violent, external and visible means and independently of all other causes. The resultant permanent functional impairment must result in an inability to perform at least 3 of the Activities of Daily Living as defined in the policy either with or without the aid of mechanical equipment, special devices or other aids or adaptations The following are excluded: (a) Spinal cord injury; and (b) Head injury due to any other causes. The Activities of Daily Living are: 1. Washing: the ability to wash in the bath or shower (including getting into and out of the bath or shower) or wash satisfactorily by other means; 2. Dressing: the ability to put on, take off, secure and unfasten all garments and, as appropriate, any braces, artificial limbs or other surgical appliances; 3. Transferring: the ability to move from a bed to an upright chair or wheelchair and vice versa; 4. Mobility: the ability to move indoors from room to room on level surfaces; 5. Toileting: the ability to use the lavatory or otherwise manage bowel and bladder functions so as to maintain a satisfactory level of personal hygiene; 6. Feeding: the ability to feed oneself once food has been prepared and made available. 19. Permanent Paralysis of limbs Total and irreversible loss of use of two or more limbs as a result of injury or disease of the brain or spinal cord. A specialist medical practitioner must be of the opinion that the paralysis will be permanent with no hope of recovery and must be present for more than 3 months. 20. Stroke resulting in permanent symptoms Any cerebrovascular incident producing permanent neurological sequelae. This includes infarction of brain tissue, thrombosis in an intracranial vessel, haemorrhage and embolisation from an extracranial source. Diagnosis has to be confirmed by a specialist medical practitioner and evidenced by typical clinical symptoms as well as typical findings in CT Scan or MRI of the brain. Evidence of permanent neurological deficit lasting for at least 3 months has to be produced. The following are excluded: Transient ischemic attacks (TIA) Traumatic injury of the brain Vascular disease affecting only the eye or optic nerve or vestibular functions. 21. Alzheimer's Disease Deterioration or loss of intellectual capacity as confirmed by clinical evaluation and imaging tests, arising from Alzheimer's Disease or irreversible organic disorders, resulting in significant reduction in mental and social functioning requiring the continuous supervision of the Life Assured. This diagnosis must be supported by the clinical confirmation of an appropriate Registered Medical practitioner who is also a neurologistand supported by the Company’s appointed doctor. The following are excluded: i. Non-organic disease such as neurosis and psychiatric illnesses; and ii. Alcohol-related brain damage iii. Any other type of irreversible organic disorder/dementia 22. Motor Neurone Disease with permanent symptoms Motor neurone disease diagnosed by a specialist medical practitioner as spinal muscular atrophy, progressive bulbar palsy, amyotrophic lateral sclerosis or primary lateral sclerosis. There must be progressive degeneration of corticospinal tracts and anteriorhorn cells or bulbar efferent neurons. There must be current significant and permanent functional neurological impairment with objective evidence of motor dysfunction that has persisted for a continuous period of at least 3 months. 23. Multiple Sclerosis with persisting symptoms The definite occurrence of multiple sclerosis. The diagnosis must be supported by all of the following: i. Investigations including typical MRI and CSF findings, which unequivocally confirm the diagnosis to be multiple sclerosis; ii. There must be current clinical impairment of motor or sensory function, which must have persisted for a continuous period of at least 6 months, and iii. Well documented clinical history of exacerbations and remissions of said symptoms or neurological deficits with at least two clinically documented episodes at least one month apart. Other causes of neurological damage such as SLE and HIV are excluded. 24. Muscular Dystrophy Diagnosis of muscular dystrophy by a Registered Medical Practitioner who is a neurologist based on three (3) out of four (4) of the following conditions: (a) Family history of other affected individuals; (b) Clinical presentation including absence of sensory disturbance, normal cerebro- spinal fluid and mild tendon reflex reduction; (c) Characteristic electromyogram; or (d) Clinical suspicion confirmed by muscle biopsy. The condition must result in the inability of the Life Assured to perform (whether aided or unaided) at least three (3) of the six (6) ‘Activities of Daily Living’ as defined, for a continuous period of at least six (6) months. 25. Parkinson's Disease Unequivocal Diagnosis of Parkinson’s Disease by a Registered Medical Practitioner who is a neurologist where the condition: (a) Cannot be controlled with medication; (b) Shows signs of progressive impairment; and (c) Activities of Daily Living assessment confirms the inability of the Insured to perform at least three (3) of the Activities of Daily Living as defined in the Policy, either with or without the use of mechanical equipment, special devices or other aids or adaptations in use for disabled persons. Drug-induced or toxic causes of Parkinson’s disease are excluded. 26. Poliomyelitis The occurrence of Poliomyelitis where the following conditions are met: 1. Poliovirus is identified as the cause and is proved by Stool Analysis, 2. Paralysis of the limb muscles or respiratory muscles must be present and persist for at least 3 months. 27. Loss of Independent Existence Confirmation by a Consultant Physician of the loss of independent existence due to illness or trauma, lasting for a minimum period of 6 months and resulting in a permanent inability to perform at least three (3) of the following Activities of Daily Living Activities of Daily Living: 1. Washing: the ability to wash in the bath or shower (including getting into and out of the bath or shower) or wash satisfactorily by other means; 2. Dressing: the ability to put on, take off, secure and unfasten all garments and, as appropriate, any braces, artificial limbs or other surgical appliances; 3. Transferring: the ability to move from a bed to an upright chair or wheelchair and vice versa; 4. Mobility: the ability to move indoors from room to room on level surfaces; 5. Toileting: the ability to use the lavatory or otherwise manage bowel and bladder functions so as to maintain a satisfactory level of personal hygiene; 6. Feeding: the ability to feed oneself once food has been prepared and made available. 28. Loss of Limbs The loss by severance of two or more limbs, at or above the wrist or ankle. Loss of Limbs resulting directly or indirectly from self-inflicted injury, alcohol or drug abuse is excluded. 29. Deafness Total and irreversible loss of hearing in both ears as a result of illness or accident. This diagnosis must be supported by audiometric and sound threshold tests provided and certified by an Ear, Nose, and Throat (ENT) specialist. Total means “the loss of at least 80 decibels in all frequencies of hearing” in both ears. 30. Loss of Speech Total and irrecoverable loss of the ability to speak as a result of injury or disease to the Vocal Cords. The inability to speak must be established for a continuous period of 12 months. This diagnosis must be supported by medical evidence furnished by an Ear, Nose, and Throat (ENT) specialist. All psychiatric related causes are excluded. 31. Medullary Cystic Disease Medullary Cystic Disease where the following criteria are met: a) The presence in the kidney of multiple cysts in the renal medulla accompanied by the presence of tubular atrophy and interstitial fibrosis; b) Clinical manifestations of anaemia, polyuria, and progressive deterioration in kidney function; and c) The Diagnosis of Medullary Cystic Disease is confirmed by renal biopsy. Isolated or benign kidney cysts are specifically excluded from this benefit. Isolated or benign kidney cysts are specifically excluded from this benefit. 32. Systematic lupus Eryth. w. Renal Involvement Multi-system, autoimmune disorder characterized by the development of auto-antibodies, directed against various self-antigens. For purposes of the definition of “Critical Illness”, SLE is restricted to only those forms of systemic lupus erythematosus, which involve the kidneys and are characterized as Class III, Class IV, Class V or Class VI lupus nephritis under the Abbreviated International Society of Nephrology/Renal Pathology Society (ISN/RPS) classification of lupus nephritis (2003) below based on renal biopsy. Other forms such as discoid lupus, and those forms with only hematological and joint involvement are specifically excluded. Abbreviated ISN/RPS classification of lupus nephritis (2003): Class I - Minimal mesangial lupus nephritis Class II - Mesangial proliferative lupus nephritis Class III - Focal lupus nephritis Class IV - Diffuse segmental (IV-S) or global (IV-G) lupus nephritis Class V - Membranous lupus nephritis ClassVI - Advanced sclerosing lupus nephritis the final diagnosis must be confirmed by a certified doctor specialising in Rheumatology and Immunology. 33. Major Burns Third degree (i.e. full thickness skin destruction) burns covering at least twenty percent (20%) of the total body surface area. The condition should be confirmed by a Consultant Physician. Burns arising due to self-infliction are excluded. 34. Aplastic Anaemia Irreversible persistent bone marrow failure which results in anaemia, neutropenia and thrombocytopenia requiring treatment with at least two (2) of the following: (a) Blood product transfusion; (b) Marrow stimulating agents; (c) Immunosuppressive agents; or (d) Bone marrow transplantation. The Diagnosis of aplastic anaemia must be confirmed by a bone marrow biopsy. Two out of the following three values should be present: - Absolute Neutrophil count of 500 per cubic millimetre or less; - Absolute Reticulocyte count of 20,000 per cubic millimetre or less; and - Platelet count of 20,000 per cubic millimetre or less. * The CI Benefit for Angioplasty is subject to a maximum of Rs. 5,00,000. On payment of Angioplasty, if the CI Benefit is more than Rs. 5,00,000 the policy will continue for other CIs with CI Benefit reduced by Angioplasty payout and correspondingly Life cover reduced by the same amount. The future premiums payable for the residual CI Benefit and correspondingly reduced Life Cover will reduce proportionately. Terms and Conditions Waiting period for Critical Illness Benefit: 1. The benefit shall not apply or be payable in respect of any Critical Illness of which the symptoms have occurred or for which care, treatment, or advice was recommended by or received from a Physician, or which first manifested itself or was contracted during the first six months from the Policy issue date or 3 months from the policy reinstatement date where the policy has lapsed for more than 3 months. 2. In the event of occurrence of any of the scenarios mentioned above, or in case of a death claim, where it is established that the Life Assured was diagnosed to have any one of the covered critical illness during the waiting period for which a critical illness claim could have been made, the Company will refund all premiums paid from risk commencement date of the policy or from the date of reinstatement as applicable and the policy will terminate. 3. No waiting period applies where Critical Illness is due to accident. Exclusions for Critical Illness Benefit: No CI benefit will be payable in respect of any listed condition arising directly or indirectly from, though, in consequence of or aggravated by any of the following: 1. Pre-Existing Conditions or conditions connected to a Pre-Existing Condition will be excluded. Pre-Existing is any condition for which the Life Assured had signs, or symptoms, and/ or were diagnosed, and / or received medical advice / treatment within 48 months to prior to the first policy issued by the Company will be excluded. 2. Existence of any Sexually Transmitted Disease (STD) and its related complications or Acquired Immune Deficiency Syndrome (AIDS) or the presence of any Human Immuno-deficiency Virus (HIV) 3. Self-inflicted injury, suicide, insanity and deliberate participation of the life insured in an illegal or criminal act. 4. Use of intoxicating drugs / alcohol / solvent, taking of drugs except under the direction of a qualified medical practitioner. 5. War – whether declared or not, civil commotion, breach of law with criminal intent, invasion, hostilities (whether war is declared or not), rebellion, revolution, military or usurped power or wilful participation in acts of violence. 6. Aviation other than as a fare paying passenger or crew in a commercial licensed aircraft. 7. Taking part in any act of a criminal nature. 8. Treatment for injury or illness caused by avocations / activities such as hunting, mountaineering, steeple-chasing, professional sports, racing of any kind, scuba diving, aerial sports, activities such as hand-gliding, ballooning, deliberate exposure to exceptional danger. 9. Radioactive contamination due to nuclear accident. 10. Failure to seek or follow medical advice, the Life assured has delayed medical treatment in order to circumvent the waiting period or other conditions and restriction applying to this policy. 11. Any treatment of a donor for the replacement of an organ. 12. A congenital condition of the insured.
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[Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_SIP_Plus_Brochure.pdf) - [Know More](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/icici-pru-smart-insurance-plan-plus.html) T\&C Apply IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. - [ICICI Pru Signature Assure (Popular)](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/buy-icici-pru-ulip-signature-assure.html?UID=1160) - Create wealth with market-linked returns - Life cover1 + premium waiver2 + income3 benefit to financially protect your loved ones - Tax\-free returns - Loyalty additions4 of 2.5% of fund value - Access to make withdrawals13 from fund [Buy Online](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/buy-icici-pru-ulip-signature-assure.html?UID=1160) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Signature_Assure_Brochure.pdf) - [Know More](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/icici-pru-ulip-signature-assure.html) T\&C Apply IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. - [ICICI Pru Global Wealth Multiplier (GIFT City) (New)](https://www.iciciprulife.com/global-insurance-plans/icici-pru-global-wealth-multiplier.html) - Investment and returns in US dollars, enabling wealth creation without INR depreciation risk - Portfolio diversification through investment in global and Indian markets - Life cover3 that protects your family’s future - Systematic withdrawal plan9 to withdraw money regularly from your policy - Flexibility of partial withdrawals - Waiver of premium option1 [Buy Now](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/buy-icici-pru-global-wealth-multiplier-for-nri.html?UID=3) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/prospectus/ICICI-Pru-Global-Wealth-Multiplier-Prospectus.pdf) - [Know More](https://www.iciciprulife.com/global-insurance-plans/icici-pru-global-wealth-multiplier.html) IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. - [ICICI Pru Platinum](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/icici-pru-platinum.html) - Potential to grow wealth through market linked returns - Level of life cover2 as per your choice - Systematic withdrawal plan3 to withdraw money regularly from your policy - Tax benefits\* as per prevailing tax laws - Choice of 4 portfolio strategies and wide range of funds4 [Buy Online](https://www.iciciprulife.com/ulip-plans/icici-pru-platinum-online.html?UID=41143) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Know More](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/icici-pru-platinum.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Platinum_Brochure.pdf) - [ICICI Pru Signature Pension](https://www.iciciprulife.com/retirement-pension-plans/icici-pru-signature-pension-plan.html) - Build your retirement corpus through market-linked returns and live a stress-free life after retirement - Tax-free commutation of up to 60% of the vesting benefit1 - Flexibility of Partial Withdrawals2 - Choice of 3 portfolio strategies and a wide range of funds3 - Low-cost charge structure with return of charges at vesting4 [Buy Online](https://www.iciciprulife.com/retirement-pension-plans/buy-icici-pru-signature-pension-plan.html?UID=1160) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Signature_Pension_Brochure.pdf) - [Know More](https://www.iciciprulife.com/retirement-pension-plans/icici-pru-signature-pension-plan.html?UID=1725) - [ICICI Pru1 Wealth](https://www.iciciprulife.com/ulip-plans/icici-single-premium-policy-pru-one-wealth.html?UID=2399) - Invest only once and enjoy benefits for entire policy term - 100% amount invested in wide range of funds - Choice of multiple funds - Life cover to protect your loved ones - Tax benefits [Know More](https://www.iciciprulife.com/ulip-plans/icici-single-premium-policy-pru-one-wealth.html?UID=1725) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru1_Wealth_Brochure.pdf) - [ICICI Pru LifeTime Classic](https://www.iciciprulife.com/ulip-plans/icici-ulip-lifetime-classic-plan.html?UID=2399) Premium starts at \`2500/- p.m. - Invest in your choice of equity, debt or balanced funds - Choice of 4 portfolio strategies - Life cover to protect your loved ones - Get rewarded with Loyalty Additions & Wealth Boosters - Tax benefits [BUY ONLINE](https://www.iciciprulife.com/ulip-plans/buy-icici-ulip-returns-calculator-lifetime-classic-online.html?UID=1160) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_LifeTime_Classic_Brochure_Final.pdf) - [Know More](https://www.iciciprulife.com/ulip-plans/icici-ulip-lifetime-classic-plan.html?UID=1725) - [ICICI Pru Smart Goal Assure](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/icici-pru-smart-goal-assure.html) - Grow your wealth through market linked returns - Goal Assurance with Future Secure2 (i.e. Waiver of Premium) - Financial security for your family in your absence with life cover6 and Family Income5 - Return3 of premium allocation charges and policy administration charges at maturity - Assurance of protecting your investments through Maturity Protect4 - Choice of 4 portfolio strategies and wide range of funds1 - Tax benefits7 as per prevailing tax laws [Buy Online](https://www.iciciprulife.com/protection-saving-plans/buy-icici-pru-signature-capital-guarantee-two.html?UID=1160) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Smart_Goal_Assure_Brochure.pdf) - [Know More](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/icici-pru-smart-goal-assure.html) - [ICICI Pru Signature](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/icici-pru-ulip-signature.html?UID=2399) - Financial protection for your loved ones with life cover - Tax\-free returns - Return of mortality and policy administration charges1 - Withdraw money regularly from your policy with SWP3 [BUY ONLINE](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/icici-pru-signature-ulip-calculator.html?UID=1160) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Signature_Online_Brochure.pdf) - [Know More](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/icici-pru-ulip-signature.html?UID=1725) For offline Signature refer to [Offline Signature Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Signature_Offline_Brochure.pdf) - [ICICI Pru Wealth Elite Pro](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/icici-pru-wealth-elite-pro.html) - Financial protection for your loved ones with life insurance cover3 - Return of Total Premium Allocation Charges at a compounding rate of 7% per annum1 - High Premium Benefit to boost your fund value2 - Enjoy policy benefits till 99 years of age with Whole Life policy term option - Systematic withdrawal plan4 to withdraw money regularly from your policy [Know More](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/icici-pru-wealth-elite-pro.html) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI-Pru-Wealth-Elite-Pro.pdf) - [Child Plans](https://www.iciciprulife.com/child-insurance/child-insurance-plans.html) - [ICICI Pru SmartKid Assure (Bestseller)](https://www.iciciprulife.com/child-insurance/buy-icici-pru-ulip-smartkid-assure.html?UID=1160) - Create a corpus for your child's future with market linked returns - Life cover1 + in built premium waiver18 to financially protect your child in your absence - Income3 benefit to cover necessary expenses in case of parent’s sudden demise - Tax\ benefits under the Income Tax Act, 2025 [buy online](https://www.iciciprulife.com/child-insurance/buy-icici-pru-ulip-smartkid-assure.html?UID=1160) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Signature_Assure_Brochure.pdf) \* T\&C Apply IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. - [ICICI Pru SmartKid 360 (New)](https://www.iciciprulife.com/child-insurance/icici-pru-smart-kid-360.html) - A 360° plan to protect your child’s future with guarantee2 - Flexibility to get payouts as per child’s milestones^ - Life Cover1 + waiver of premium18 + regular income3 guaranteed2 in your absence - 100% tax-free\* returns and tax\* benefits on premiums paid under the Income Tax Act, 2025 [BUY ONLINE](https://www.iciciprulife.com/child-insurance/buy-icici-pru-smartkid-360.html?UID=1160) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI-Pru-Smart-Kid-360-Brochure.pdf) - [Know More](https://www.iciciprulife.com/child-insurance/icici-pru-smart-kid-360.html) \T\&C Apply W/II/1778/2025-26 - [ULIP WITH CAPITAL GUARANTEE](https://www.iciciprulife.com/protection-saving-plans/capital-guarantee-plan.html) - [ICICI Prudential Signature Capital Guarantee II](https://www.iciciprulife.com/protection-saving-plans/capital-guarantee-plan.html) - Market-linked returns12 + 100% security9 of investment - Life Cover4 to financially protect your loved ones in your absence - Wealth boosters1 addition to boost your returns - Tax2\-free returns [Buy Online](https://www.iciciprulife.com/protection-saving-plans/buy-icici-pru-signature-capital-guarantee-two.html?UID=1160) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Prudential_Signature_Capital_Guarantee_II_Brochure.pdf) - [Know More](https://www.iciciprulife.com/protection-saving-plans/capital-guarantee-plan.html) IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. - [ICICI Prudential Save ‘N’ Grow](https://www.iciciprulife.com/protection-saving-plans/capital-guarantee-solution-calculator.html?UID=39761) - 100% Capital guarantee1 + market-linked returns2 - Diverse fund options across equity, balanced and debt - Protect your loved ones financially with a life cover4 - Tax benefits3 as per prevailing tax laws - Boost your returns with maturity boosters6 [Buy Online](https://www.iciciprulife.com/protection-saving-plans/capital-guarantee-solution-calculator.html?UID=39761) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Save_N_Grow_Brochure.pdf) IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. - [SAVINGS PLANS](https://www.iciciprulife.com/protection-saving-plans.html) - [ICICI Pru GIFT ProGuaranteed Income Plan](https://www.iciciprulife.com/protection-saving-plans/icici-pru-gift-pro.html?UID=2399) - Guaranteed Income2 to help you achieve your financial goals - Flexibility to choose Percentage of MoneyBack Benefit4 and when you want to receive MoneyBack Benefit4 - Life Insurance Cover1 for financial security of your family [Buy Online](https://www.iciciprulife.com/protection-saving-plans/buy-icici-pru-gift-pro.html?UID=1160) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_GIFT_Pro_Brochure_V23_Webview.pdf) - [Know More](https://www.iciciprulife.com/protection-saving-plans/icici-pru-gift-pro.html?UID=1725) - [![](https://www.iciciprulife.com/content/dam/icicipru/all/prospectus-brochure-icon.svg) Prospectus](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_GIFT_Pro_Brochure.pdf) 2Conditions apply - [ICICI Pru Guaranteed Income For TomorrowGuaranteed Lumpsum Plan](https://www.iciciprulife.com/protection-saving-plans/icici-pru-guaranteed-income-for-tomorrow.html?UID=1160) - Guaranteed benefits1 in the form of lump sum - Life insurance cover2 for financial security of your family - Tax benefits3 may be applicable on premiums paid and benefits received as per prevailing tax laws [Buy Online](https://www.iciciprulife.com/protection-saving-plans/icici-pru-guaranteed-income-for-tomorrow-calculator.html?UID=1160) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Guaranteed_Income_For_Tomorrow.pdf) - [Know More](https://www.iciciprulife.com/protection-saving-plans/icici-pru-guaranteed-income-for-tomorrow.html?UID=1160) - [ICICI Pru Gold](https://www.iciciprulife.com/protection-saving-plans/icici-pru-gold.html) - Regular income1 up to 99 years of age followed by a lump sum2 on maturity - Option to start receiving income immediately from the end of 1st policy year or defer3 it for a few years as per your need - Choice to start receiving income instantly within 7 working days of realisation of first year's premium by the company post issuance of the policy - Protection through life cover4 till up to 99 years of age - Tax benefits5 may be applicable on premiums paid and benefits received as per prevailing tax laws [Buy Online](https://www.iciciprulife.com/protection-saving-plans/buy-icici-pru-gold.html?UID=37635) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_GOLD_Brochure_Webview.pdf) - [Know More](https://www.iciciprulife.com/protection-saving-plans/icici-pru-gold.html?UID=1725) - [![](https://www.iciciprulife.com/content/dam/icicipru/all/prospectus-brochure-icon.svg) Prospectus](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI-Pru-Gold-Brochure.pdf) - [ICICI Pru Future Perfect](https://www.iciciprulife.com/money-back-endowment-plans/future-perfect-endowment-plan.html?UID=2399) - Savings with the comfort of guarantee\# - Flexibility in premium payment term - Security of your loved ones with potential for wealth creation and your Life Cover1 [BUY ONLINE](https://www.iciciprulife.com/money-back-endowment-plans/future-perfect-savings-plan-calculator.html?UID=1160) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI%20Future%20Perfect%20-%20Brochure.pdf) - [Know More](https://www.iciciprulife.com/money-back-endowment-plans/future-perfect-endowment-plan.html?UID=1725) - [RETIREMENT AND PENSION PLANS](https://www.iciciprulife.com/retirement-pension-plans.html) - [ICICI Pru Signature Pension (New)(Market Linked Return)](https://www.iciciprulife.com/retirement-pension-plans/icici-pru-signature-pension-plan.html?UID=2399) - Build your retirement corpus through market-linked returns and live a stress-free life after retirement - Tax-free commutation of up to 60% of the vesting benefit1 - Flexibility of Partial Withdrawals2 - Choice of 3 portfolio strategies and a wide range of funds3 - Low-cost charge structure with return of charges at vesting4 [Buy Online](https://www.iciciprulife.com/retirement-pension-plans/buy-icici-pru-signature-pension-plan.html?UID=1160) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Signature_Pension_Brochure.pdf) - [Know More](https://www.iciciprulife.com/retirement-pension-plans/icici-pru-signature-pension-plan.html?UID=1725) - [ICICI Pru Guaranteed Pension Plan FlexiRegular Premium Future Income](https://www.iciciprulife.com/retirement-pension-plans/guaranteed-pension-plan-flexi.html?UID=2399) - A regular-pay deferred annuity plan that helps you gradually build the retirement savings and provide guaranteed income for life - Flexible premium paying terms and deferment periods - Choice of increasing annuity options that will give you inflation hedged retirement income in your golden years - Flexibility to withdraw up to 60% of total premiums paid as lumpsum - Financial security for your family even in your absence, with the Waiver of Premium feature3 - Annuity plan can cover either single or joint life2 - Tax benefits as per prevailing tax laws [Buy Online](https://www.iciciprulife.com/retirement-pension-plans/guaranteed-pension-plan-flexi-calculator.html?UID=1160) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_GPP_Flexi_Brochure.pdf) - [Know More](https://www.iciciprulife.com/retirement-pension-plans/guaranteed-pension-plan-flexi.html?UID=1725) - [![](https://www.iciciprulife.com/content/dam/icicipru/all/prospectus-brochure-icon.svg) Prospectus](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_GPP_Flexi_Prospectus.pdf) - [ICICI Pru Saral Pension PlanSingle Premium Immediate Income](https://www.iciciprulife.com/retirement-pension-plans/icici-pru-saral-pension-plan.html?UID=2399) - Pay just once and get a guaranteed lifelong income - Continue pension for spouse after you with the Joint Life1 option - Purchase Price is returned back to your nominee2 - Option to avail a loan against your policy3 [Buy Online](https://www.iciciprulife.com/retirement-pension-plans/buy-icici-pru-saral-pension-plan.html?UID=1160) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Saral_Pension_Brochure.pdf) - [Know More](https://www.iciciprulife.com/retirement-pension-plans/icici-pru-saral-pension-plan.html?UID=1725) - [ICICI Pru Gold Pension Savings Plan](https://www.iciciprulife.com/retirement-pension-plans/icici-pru-gold-pension-savings.html?UID=2399) - Build your retirement savings with guaranteed benefits1 & bonuses2 - Tax-free commutation of upto 60% of the vesting benefit3 - Flexibility of cash withdrawals4 - Free health check-up5 [Buy Online](https://buy.iciciprulife.com/buy/EBI.htm#/PreEBI/D05) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Know More](https://www.iciciprulife.com/retirement-pension-plans/icici-pru-gold-pension-savings.html?UID=1725) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Gold_Pension_Savings_Brochure.pdf) 1 T\&C Apply - [ICICI Pru Guaranteed Pension PlanDeferred Annuity](https://www.iciciprulife.com/retirement-pension-plans/guaranteed-pension-plan.html) - Single premium plan to get guaranteed income for the rest of your life - Option to defer income by up to 10 years - Annuity plan can cover either single or joint life - Flexible payout options to suit your need - Tax benefits^ on premiums paid and on maturity [Buy Online](https://www.iciciprulife.com/retirement-pension-plans/guaranteed-pension-plan-calculator.html?UID=1160&persona=GPPDA) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Know More](https://www.iciciprulife.com/retirement-pension-plans/guaranteed-pension-plan.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Guaranteed_Pension_Plan.pdf) - [ICICI Pru Guaranteed Pension PlanImmediate Annuity](https://www.iciciprulife.com/retirement-pension-plans/guaranteed-pension-plan.html) - Single premium plan to get guaranteed income for the rest of your life - Option to get annuity income as early as next month - Annuity plan can cover either single or joint life - Flexible payout options to suit your need - Tax benefits^ on premiums paid and on maturity [Buy Online](https://www.iciciprulife.com/retirement-pension-plans/guaranteed-pension-plan-calculator.html?UID=1160&persona=GPPIA) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Know More](https://www.iciciprulife.com/retirement-pension-plans/guaranteed-pension-plan.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Guaranteed_Pension_Plan.pdf) - [Legacy Plans](https://www.iciciprulife.com/health-insurance/health-insurance-plans.html) - [ICICI Pru Protect N Gain Whole Life](https://www.iciciprulife.com/ulip-plans/icici-pru-protect-and-gain-whole-life.html) - Get comprehensive life cover1 along with potential to grow your wealth with Market Linked Returns - 1X return of mortality2 charges from 11th year onwards - 1X return of premium allocation charges2 charges from 11th year onwards - LoyaltyL additions: Extra units from policy year (67 less Entry Age) and onwards - Coverc continuance booster: Protection from adverse market scenarios - 20% Maturity booster3 [CHECK PREMIUM](https://www.iciciprulife.com/ulip-plans/buy-icici-protect-and-gain-whole-life.html?UID=56633) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Protect_N_Gain_Whole_Life_Brochure.pdf) - [Know More](https://www.iciciprulife.com/ulip-plans/icici-pru-protect-and-gain-whole-life.html) - [ICICI Pru Wealth Forever](https://www.iciciprulife.com/protection-saving-plans/icici-pru-wealth-forever.html) - Increasing life cover1 to secure a legacy@ for your family - 100% payout on Terminal illness3 - Complimentary health checkup\# - Return of 100% of Total Premium Paid upon maturity^^ [Know More](https://www.iciciprulife.com/protection-saving-plans/icici-pru-wealth-forever.html?UID=1725) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Wealth_Forever_Brochure.pdf) - [![](https://www.iciciprulife.com/content/dam/icicipru/all/prospectus-brochure-icon.svg) Prospectus](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Wealth_Forever_Prospectus.pdf) - [ICICI Pru Gold](https://www.iciciprulife.com/protection-saving-plans/icici-pru-gold.html?UID=2399) - A regular income 1 up to 99 years of age - A lumpsum 2 on maturity as your legacy for your loved ones - Protection of life cover4 throughout the policy term - Tax5 benefits may be applicable on premiums paid and benefits received as per prevailing tax laws [Buy Online](https://www.iciciprulife.com/protection-saving-plans/buy-icici-pru-gold.html?UID=37635) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_GOLD_Brochure_Webview.pdf) - [Know More](https://www.iciciprulife.com/protection-saving-plans/icici-pru-gold.html?UID=1725) - [![](https://www.iciciprulife.com/content/dam/icicipru/all/prospectus-brochure-icon.svg) Prospectus](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI-Pru-Gold-Brochure.pdf) - [Health Insurance Plans](https://www.iciciprulife.com/health-insurance/health-insurance-plans.html) - [ICICI Pru Wish](https://www.iciciprulife.com/health-insurance/icici-pru-wish.html) - Comprehensive coverage1 against women specific critical illnesses2 and surgeries2 - Cover1 for surgeries2 resulting from specific illnesses2 - Fixed lump sum1 pay-out on diagnosis of any of the covered critical illnesses2 - Premium remains guaranteed3 throughout the coverage term - Coverage1 for pregnancy complications and newborn complications through Maternity Care Benefit under Health Care Plus plan option - Premium Sabbatical4 Benefit which allows you to get one full year’s premium holiday, while enjoying full policy benefits [Check Premium](https://www.iciciprulife.com/health-insurance/buy-icici-pru-wish.html?UID=43629) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Wish_Brochure.pdf) - [Know More](https://www.iciciprulife.com/health-insurance/icici-pru-wish.html) - [![](https://www.iciciprulife.com/content/dam/icicipru/all/prospectus-brochure-icon.svg) Prospectus](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Wish_Prospectus.pdf) - [ICICI Pru iProtect Smart Plus(Life Cover + Critical Illness Cover)](https://www.iciciprulife.com/term-insurance-plans/iprotect-smart-plus-term-plan.html?UID=2399) - Up to ₹1.5 crore 60 Critical Illnesses2 cover (optional) - Adequate Life cover2a to protect your family - Covers diseases2 like Cancer, Heart Attack, organ failure, etc. (optional) - Lumpsum Optional Critical Illness2 claims payout based on diagnostic report - In-built Terminal Illness Benefit6 and 12-month premium break4 option - Tax benefit\ on premiums paid and tax-free\\ claims payout and returns [Check Premium](https://www.iciciprulife.com/term-insurance-plans/iprotect-smart-term-insurance-calculator.html?UID=43583) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI%20Pru%20iProtect%20Smart.pdf) - [Know More](https://www.iciciprulife.com/term-insurance-plans/iprotect-smart-plus-term-plan.html?UID=43583) \Conditions apply - [Group Insurance Plans](https://www.iciciprulife.com/group-insurance-plans.html) - [ICICI Pru Group Term Plus](https://www.iciciprulife.com/group-insurance-plans/group-term-plus.html) - Competitive premium rates - Flexible premium payment modes - Customized coverage as per organization’s structure - Seamless addition/removal of new employees - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Group_Term_Plus_Brochure.pdf) - [Know More](https://www.iciciprulife.com/group-insurance-plans/group-term-plus.html) - [ICICI Pru Group Unit Linked Employee Benefit Plan](https://www.iciciprulife.com/group-insurance-plans/group-unit-linked-employee-benefit-plan.html) - Choose from a range of 10 Debt and Equity oriented funds - Market-linked returns - Policy value- based loyalty additions added every year - Tax\ benefits as per prevailing laws - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Group_Unit_Linked_Employee_Benefit_Plan.pdf) - [Know More](https://www.iciciprulife.com/group-insurance-plans/group-unit-linked-employee-benefit-plan.html) IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. - [ICICI Pru Group Suraksha Plus](https://www.iciciprulife.com/group-insurance-plans/group-suraksha-plus.html) - Interest accruals at the end of each financial year - Flexibility to deposit contributions - Withdrawals from the policy under defined scheme rules - Customised schemes for employee benefits - Tax\* benefits as per prevailing tax laws - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Group_Suraksha_Plus.pdf) - [Know More](https://www.iciciprulife.com/group-insurance-plans/group-suraksha-plus.html) - [ICICI Pru Group Unit Linked Superannuation Plus](https://www.iciciprulife.com/group-insurance-plans/group-unit-linked-superannuation-plus.html) - Choose from 8 fund options - Free switching between funds at no extra cost\* - Loyalty additions allocated at the end of every financial year based on policy value - Tax\* benefits as per prevailing laws - Annuity purchase options including joint life and return of purchase price - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Group_Unit_Linked_Superannuation_Plus.pdf) - [Know More](https://www.iciciprulife.com/group-insurance-plans/group-unit-linked-superannuation-plus.html) IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. - [ICICI Pru Group Unit Linked Superannuation](https://www.iciciprulife.com/group-insurance-plans/group-unit-linked-superannuation.html) - Choice of 5 fund options - Minimum 100% capital guarantee on contributions - Tax\* benefits as per prevailing laws - Policy value-based loyalty additions - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Group_Unit_Linked_Superannuation.pdf) - [Know More](https://www.iciciprulife.com/group-insurance-plans/group-unit-linked-superannuation.html) IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. - [ICICI Pru Group Suraksha Plus Superannuation](https://www.iciciprulife.com/group-insurance-plans/group-suraksha-plus-superannuation.html) - Interest accruals at the end of the financial year - Minimum guarantees as per scheme options to the extent of 100% of contributions made - Employee benefits payable on exit as per scheme rules - Tax\* benefits as per prevailing laws - Annuity purchase options including joint life and return of purchase price - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Group_Suraksha_Plus_Superannuation.pdf) - [Know More](https://www.iciciprulife.com/group-insurance-plans/group-suraksha-plus-superannuation.html) - [ICICI Pru Immediate Annuity](https://www.iciciprulife.com/group-insurance-plans/immediate-annuity.html) - Wide range of annuity options - Fixed payout, that is free from market fluctuations - Immediate annuity payout - monthly, quarterly, half-yearly or yearly - Return of Purchase Price (optional) on death, Critical Illness or Permanent Disability due to accident - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/Group_Immediate_Annuity_Brochure.pdf) - [Know More](https://www.iciciprulife.com/group-insurance-plans/immediate-annuity.html) - [ICICI Pru Group Non-Linked Critical Illness Rider](https://www.iciciprulife.com/group-insurance-plans/group-non-linked-critical-illness-rider.html) - Covers up to 33 critical illnesses - Opt in at the start or renewal of the base policy - Option to accelerate the base cover on diagnosis of enlisted Critical Illnesses (CI) - Customised schemes for employee benefits - Flexibility to pay one-time, annual, semi-annual, quarterly, or monthly premiums - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Non-Linked_Group_Critical_Illness_Rider.pdf) - [Know More](https://www.iciciprulife.com/group-insurance-plans/group-non-linked-critical-illness-rider.html) - [ICICI Pru Group Non-Linked Accidental Death and Disability Rider](https://www.iciciprulife.com/group-insurance-plans/group-non-linked-accidental-death-and-disability-rider.html) - Added layer of protection against accidental death or disability - Choice to opt in at the start or renewal of the base policy - Option to accelerate the base cover on diagnosis of enlisted Critical Illnesses (CI) - Employers can avail of tax\* benefits as per the prevailing laws - Flexibility to pay one-time, annual, semi-annual, quarterly, or monthly premiums - Avail of the tax\* benefits as per prevailing laws - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/groups-brochure/ICICI_Pru_Non_Linked_Group_ADD_Rider-Brochure.pdf) - [Know More](https://www.iciciprulife.com/group-insurance-plans/group-non-linked-accidental-death-and-disability-rider.html) [View All Plans](https://www.iciciprulife.com/insurance-plans/view-all-insurance-plans.html?UID=1060) - [Term Insurance]() - [Term insurance](https://www.iciciprulife.com/term-insurance.html?UID=38232) - [Term Insurance for Women](https://www.iciciprulife.com/term-insurance/term-insurance-for-women.html?UID=39947) - [Term insurance calculator](https://www.iciciprulife.com/term-insurance-plans/iprotect-smart-term-insurance-calculator.html?UID=39943) - 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Ltd. All rights reserved. Registered with Insurance Regulatory & Development Authority of India (IRDAI) as Life Insurance Company. Regn. No. 105. CIN: L66010MH2000PLC127837. Reg. Off.: ICICI PruLife Towers, 1089 Appasaheb Marathe Marg, Prabhadevi, Mumbai 400025. Tel.: 40391600. Customer helpline number - (Help us to serve you better by calling us from your registered mobile number). Timings – 10:00 A.M. to 7:00 P.M., Monday to Saturday (except national holidays). Member of the Life Insurance Council. For more details on the risk factors, term and conditions please read the product brochure carefully before concluding the sale. Trade Logo displayed above belongs to ICICI Bank Ltd & Prudential IP services Ltd and used by ICICI Prudential Life Insurance Company Ltd under license. BEWARE OF SUSPICIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint. [irdai cautions public against spurious calls and FICTITIOUS offers](https://www.iciciprulife.com/content/dam/icicipru/leaflets/IRDA_publicnotice.pdf) # List of 34 Critical Illnesses Covered 1\. Cancer of Specified Severity![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) A malignant tumour characterised by the uncontrolled growth & spread of malignant cells with invasion & destruction of normal tissues. This diagnosis must be supported by histological evidence of malignancy & confirmed by a pathologist. The term cancer includes leukemia, lymphoma and sarcoma. The following are excluded –1\.Tumours showing the malignant changes of carcinoma in situ & tumours which are histologically described as premalignant or noninvasive, including but not limited to: Carcinoma in situ of breasts, Cervical dysplasia CIN-1, CIN -2 & CIN-3. 2\.Any skin cancer other than invasive malignant melanoma 3\.All tumours of the prostate unless histologically classified as having a Gleason score greater than 6 or having progressed to at least clinical TNM classification T2N0M0. 4\.Papillary micro - carcinoma of the thyroid less than 1 cm in diameter 5\.Chronic lymphocyctic leukaemia less than RAI stage 3 6\.Microcarcinoma of the bladder 7\.All tumours in the presence of HIV infection 2\. Angioplasty\#![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) Means the actual undergoing for the first time of Coronary Artery Balloon Angioplasty and /or the insertion of a stent to correct a narrowing of minimum 60% stenos is, of one or more major Coronary arteries as shown by Angiographic evidence.The revascularisation must be considered medically necessary by a consultant Cardiologist.Coronary arteries herein refer only to Left Main Stem, Left Anterior Descending, Circumflex and Right Coronary Artery.Intra Arterial investigative procedures and Diagnostic Angiography are not included.Evidence required: In addition to the other documents, the Company shall require the following: - Coronary Angiography Report – Pre and post Angioplasty or Other Invasive Treatment as defined above Discharge Card of the hospital where the procedure was done 3\. Heart Attack![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) The first occurrence of myocardial infarction which means the death of a portion of the heart muscle as a result of inadequate blood supply to the relevant area. The diagnosis for this will be evidenced by all of the following criteria: 1\.A history of typical clinical symptoms consistent with the diagnosis of Acute Myocardial Infarction (for e.g. typical chest pain) 2\.New characteristic electrocardiogram changes3\.Evation of infarction specific enzymes, Troponins or other specific biochemical markers.The following are excluded:1\.Non-ST-segment elevation myocardial infarction (NSTEMI) with elevation of Troponin I or T; 2\.Other acute Coronary Syndromes3\.Any type of angina pectoris. 4\. Heart Valve Surgery![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) The actual undergoing of open-heart valve surgery is to replace or repair one or more heart valves, as a consequence of defects in, abnormalities of, or disease-affected cardiac valve(s). The diagnosis of the valve abnormality must be supported by an echocardiography and the realization of surgery has to be confirmed by a specialist medical practitioner. Catheter based techniques including but not limited to, balloon valvotomy/valvuloplasty are excluded. 5\. Surgery to Aorta![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) The actual undergoing of major surgery to repair or correct an aneurysm, narrowing, obstruction or dissection of the aorta through surgical opening of the chest or abdomen. For the purpose of this definition, aorta shall mean the thoracic and abdominal aorta but not its branches. 6\. Cardiomyopathy![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) An impaired function of the heart muscle, unequivocally diagnosed as Cardiomyopathy by a Registered Medical Practitioner who is a cardiologist, and which results in permanent physical impairment to the degree of New York Heart Association classification Class III or Class IV, or its equivalent, based on the following classification criteria:Class III - Marked functional limitation. Affected patients are comfortable at rest but performing activities involving less than ordinary exertion will lead to symptoms of congestive cardiac failure.Class IV - Inability to carry out any activity without discomfort. Symptoms of congestive cardiac failure are present even at rest. With any increase in physical activity, discomfort will be experienced. The Diagnosis of Cardiomyopathy has to be supported by echographic findings of compromised ventricular performance. Irrespective of the above, Cardiomyopathy directly related to alcohol or drug abuse is excluded. 7\. Primary Pulmonary hypertension![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) Primary Pulmonary Hypertension with substantial right ventricular enlargement confirmed by a Cardiologist with the help of investigations including Cardiac Catheterization (cardiac catheterization proving the pulmonary pressure to be above 30 mm of Hg), resulting in permanent irreversible physical impairment of at least Class IV of the New York Heart Association (NYHA) Classification of Cardiac Impairment and resulting in the Life Insured being unable to perform his / her usual occupation.The NYHA Classification of Cardiac Impairment (Source: “Current Medical Diagnosis and Treatment – 39th Edition”):1\.Class I: No limitation of physical activity. Ordinary physical activity does not cause undue fatigue, dyspnoea, or anginal pain.2\.Class II: Slight limitation of physical activity. Ordinary physical activity results in symptoms.3\.Class III: Marked limitation of physical activity. Comfortable at rest, but less than ordinary activity causes symptoms4\.Class IV: Unable to engage in any physical activity without discomfort. Symptoms may be present even at rest. 8\. CABG![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) The actual undergoing of open chest surgery for the correction of one or more coronary arteries, which is/are narrowed or blocked, by coronary artery bypass graft (CABG). The diagnosis must be supported by a coronary angiography and the realization of surgery has to be confirmed by a specialist medical practitioner. Excluded are:1\.Angioplasty and/or any other intra-arterial procedures 2\.Any key-hole or laser surgery 9\. Blindness![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) Total and irreversible loss of sight in both eyes as a result of illness or accident. The blindness must be confirmed by an Ophthalmologist. 10\. Chronic Lung Disease![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) End stage lung disease causing chronic respiratory failure, where all of the following criteria are met:(a)Permanent oxygen therapy is required;(b)A consistent forced expiratory volume (FEV1) test value of less than one (1) liter (during the first second of a forced exhalation);(c)Baseline arterial blood gas analysis showing arterial partial oxygen pressure at a level of fifty-five (55) mmHg or less; and(d)Dyspnea at rest. The diagnosis must be confirmed by a respiratory physician 11\. Chronic Liver Disease![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) End Stage liver failure as evidenced by all of the following:(a)Permanent jaundice;(b)Ascites; and(c)Hepatic encephalopathy.(d)Esophageal or Gastric Varices and Portal Hypertension Irrespective of the above, liver failure due or related to alcohol or drug abuse is excluded. 12\. Kidney Failure![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) End stage renal disease presenting as chronic irreversible failure of both kidneys to function, as a result of which either regular renal dialysis (hemodialysis or peritoneal dialysis) is instituted or renal transplantation is carried out. Diagnosis has to be confirmed by a specialist medical practitioner. 13\. Major Organ/ Bone Marrow Transplant![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) I.The actual undergoing of a transplant of: i.One of the following human organs: heart, lung, liver, kidney, pancreas, that resulted from irreversible end-stage failure of the relevant organ, or ii.Human bone marrow using haematopoietic stem cells. The undergoing of a transplant has to be confirmed by a specialist medical practitioner.II.The following are excluded: i.Other stem-cell transplants ii.Where only islets of langerhans are transplanted 14\. Apallic Syndrome![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) Universal necrosis of the brain cortex, with the brain stem intact. Diagnosis must be definitely confirmed by a Registered Medical practitioner who is also a neurologist holding such an appointment at an approved hospital. This condition must be documented for at least one (1) month.The definition of approved hospital will be in line with Guidelines on Standardization in Health Insurance and as defined below:A hospital means any institution established for in- patient care and day care treatment of sickness and / or injuries and which has been registered as a hospital with the local authorities, wherever applicable, and is under the supervision of a registered and qualified medical practitioner AND must comply with all minimum criteria as under:\-Has at least 10 inpatient beds, in those towns having a population of less than 10,00,000 and 15 inpatient beds in all other places;\-Has qualified nursing staff under its employment round the clock;\-Has qualified medical practitioner (s) in charge round the clock;\-Has a fully equipped operation theatre of its own where surgical procedures are carried out\-Maintains daily records of patients and will make these accessible to the Insurance company’s authorized personnel. 15\. Benign Brain Tumour![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) A benign intracranial tumour where the following conditions are met:i.The tumour is life threatening;ii.It has caused damage to the brain; andiii.It has undergone surgical removal or, if inoperable, has caused a permanent neurological deficit.The following are excluded: cysts, granulomas, vascular malformations, haematomas, tumours of the pituitary gland or spine, tumours of the acoustic nerve, Calcification, Meningiomas.Its presence must be confirmed by a neurologist or neurosurgeon and supported by findings on Magnetic Resonance Imaging, Computerised Tomography, or other reliable imaging techniques. 16\. Brain Surgery![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) The actual undergoing of surgery to the brain, under general anaesthesia, during which a Craniotomy is performed. Burr hole and brain surgery as a result of an accident is excluded. The procedure must be considered necessary by a qualified specialist and the benefit shall only be payable once corrective surgery has been carried out. 17\. Coma![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) A state of unconsciousness with no reaction or response to external stimuli or internal needs. This diagnosis must be supported by evidence of all of the following: - No response to external stimuli continuously for at least 96 hours; - Life support measures are necessary to sustain life; and - Permanent neurological deficit which must be assessed at least 30 days after the onset of the coma The condition has to be confirmed by a specialist medical practitioner. Coma resulting directly from alcohol or drug abuse is excluded. 18\. Major Head Trauma![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) Accidental head injury resulting in permanent neurological deficit to be assessed no sooner than six (6) weeks (and documented for at least 3 months) from the date of the Accident. This diagnosis must be confirmed by a Registered Medical practitioner who is also a neurologist and supported by unequivocal findings on Magnetic Resonance Imaging, Computerized Tomography, or other reliable imaging techniques. The Accident must be caused solely and directly by accidental, violent, external and visible means and independently of all other causes. The resultant permanent functional impairment must result in an inability to perform at least 3 of the Activities of Daily Living as defined in the policy either with or without the aid of mechanical equipment, special devices or other aids or adaptationsThe following are excluded:(a)Spinal cord injury; and(b)Head injury due to any other causes.The Activities of Daily Living are:1\.Washing: the ability to wash in the bath or shower (including getting into and out of the bath or shower) or wash satisfactorily by other means;2\.Dressing: the ability to put on, take off, secure and unfasten all garments and, as appropriate, any braces, artificial limbs or other surgical appliances;3\.Transferring: the ability to move from a bed to an upright chair or wheelchair and vice versa;4\.Mobility: the ability to move indoors from room to room on level surfaces;5\.Toileting: the ability to use the lavatory or otherwise manage bowel and bladder functions so as to maintain a satisfactory level of personal hygiene;6\.Feeding: the ability to feed oneself once food has been prepared and made available. 19\. Permanent Paralysis of limbs![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) Total and irreversible loss of use of two or more limbs as a result of injury or disease of the brain or spinal cord. A specialist medical practitioner must be of the opinion that the paralysis will be permanent with no hope of recovery and must be present for more than 3 months. 20\. Stroke resulting in permanent symptoms![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) Any cerebrovascular incident producing permanent neurological sequelae. This includes infarction of brain tissue, thrombosis in an intracranial vessel, haemorrhage and embolisation from an extracranial source. Diagnosis has to be confirmed by a specialist medical practitioner and evidenced by typical clinical symptoms as well as typical findings in CT Scan or MRI of the brain. Evidence of permanent neurological deficit lasting for at least 3 months has to be produced.The following are excluded: - Transient ischemic attacks (TIA) - Traumatic injury of the brain - Vascular disease affecting only the eye or optic nerve or vestibular functions. 21\. Alzheimer's Disease![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) Deterioration or loss of intellectual capacity as confirmed by clinical evaluation and imaging tests, arising from Alzheimer's Disease or irreversible organic disorders, resulting in significant reduction in mental and social functioning requiring the continuous supervision of the Life Assured. This diagnosis must be supported by the clinical confirmation of an appropriate Registered Medical practitioner who is also a neurologistand supported by the Company’s appointed doctor.The following are excluded:i.Non-organic disease such as neurosis and psychiatric illnesses; andii.Alcohol-related brain damageiii.Any other type of irreversible organic disorder/dementia 22\. Motor Neurone Disease with permanent symptoms![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) Motor neurone disease diagnosed by a specialist medical practitioner as spinal muscular atrophy, progressive bulbar palsy, amyotrophic lateral sclerosis or primary lateral sclerosis. There must be progressive degeneration of corticospinal tracts and anteriorhorn cells or bulbar efferent neurons. There must be current significant and permanent functional neurological impairment with objective evidence of motor dysfunction that has persisted for a continuous period of at least 3 months. 23\. Multiple Sclerosis with persisting symptoms![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) The definite occurrence of multiple sclerosis. The diagnosis must be supported by all of the following:i.Investigations including typical MRI and CSF findings, which unequivocally confirm the diagnosis to be multiple sclerosis;ii.There must be current clinical impairment of motor or sensory function, which must have persisted for a continuous period of at least 6 months, andiii.Well documented clinical history of exacerbations and remissions of said symptoms or neurological deficits with at least two clinically documented episodes at least one month apart.Other causes of neurological damage such as SLE and HIV are excluded. 24\. Muscular Dystrophy![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) Diagnosis of muscular dystrophy by a Registered Medical Practitioner who is a neurologist based on three (3) out of four (4) of the following conditions:(a)Family history of other affected individuals;(b)Clinical presentation including absence of sensory disturbance, normal cerebro- spinal fluid and mild tendon reflex reduction;(c)Characteristic electromyogram; or(d)Clinical suspicion confirmed by muscle biopsy.The condition must result in the inability of the Life Assured to perform (whether aided or unaided) at least three (3) of the six (6) ‘Activities of Daily Living’ as defined, for a continuous period of at least six (6) months. 25\. Parkinson's Disease![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) Unequivocal Diagnosis of Parkinson’s Disease by a Registered Medical Practitioner who is a neurologist where the condition:(a)Cannot be controlled with medication;(b)Shows signs of progressive impairment; and(c)Activities of Daily Living assessment confirms the inability of the Insured to perform at least three (3) of the Activities of Daily Living as defined in the Policy, either with or without the use of mechanical equipment, special devices or other aids or adaptations in use for disabled persons.Drug-induced or toxic causes of Parkinson’s disease are excluded. 26\. Poliomyelitis![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) The occurrence of Poliomyelitis where the following conditions are met:1\.Poliovirus is identified as the cause and is proved by Stool Analysis,2\.Paralysis of the limb muscles or respiratory muscles must be present and persist for at least 3 months. 27\. Loss of Independent Existence![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) Confirmation by a Consultant Physician of the loss of independent existence due to illness or trauma, lasting for a minimum period of 6 months and resulting in a permanent inability to perform at least three (3) of the following Activities of Daily LivingActivities of Daily Living:1\.Washing: the ability to wash in the bath or shower (including getting into and out of the bath or shower) or wash satisfactorily by other means;2\.Dressing: the ability to put on, take off, secure and unfasten all garments and, as appropriate, any braces, artificial limbs or other surgical appliances;3\.Transferring: the ability to move from a bed to an upright chair or wheelchair and vice versa;4\.Mobility: the ability to move indoors from room to room on level surfaces;5\.Toileting: the ability to use the lavatory or otherwise manage bowel and bladder functions so as to maintain a satisfactory level of personal hygiene;6\.Feeding: the ability to feed oneself once food has been prepared and made available. 28\. Loss of Limbs![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) The loss by severance of two or more limbs, at or above the wrist or ankle. Loss of Limbs resulting directly or indirectly from self-inflicted injury, alcohol or drug abuse is excluded. 29\. Deafness![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) Total and irreversible loss of hearing in both ears as a result of illness or accident. This diagnosis must be supported by audiometric and sound threshold tests provided and certified by an Ear, Nose, and Throat (ENT) specialist. Total means “the loss of at least 80 decibels in all frequencies of hearing” in both ears. 30\. Loss of Speech![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) Total and irrecoverable loss of the ability to speak as a result of injury or disease to the Vocal Cords. The inability to speak must be established for a continuous period of 12 months. This diagnosis must be supported by medical evidence furnished by an Ear, Nose, and Throat (ENT) specialist.All psychiatric related causes are excluded. 31\. Medullary Cystic Disease![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) Medullary Cystic Disease where the following criteria are met:a)The presence in the kidney of multiple cysts in the renal medulla accompanied by the presence of tubular atrophy and interstitial fibrosis;b)Clinical manifestations of anaemia, polyuria, and progressive deterioration in kidney function; andc)The Diagnosis of Medullary Cystic Disease is confirmed by renal biopsy. Isolated or benign kidney cysts are specifically excluded from this benefit.Isolated or benign kidney cysts are specifically excluded from this benefit. 32\. Systematic lupus Eryth. w. Renal Involvement![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) Multi-system, autoimmune disorder characterized by the development of auto-antibodies, directed against various self-antigens. For purposes of the definition of “Critical Illness”, SLE is restricted to only those forms of systemic lupus erythematosus, which involve the kidneys and are characterized as Class III, Class IV, Class V or Class VI lupus nephritis under the Abbreviated International Society of Nephrology/Renal Pathology Society (ISN/RPS) classification of lupus nephritis (2003) below based on renal biopsy. Other forms such as discoid lupus, and those forms with only hematological and joint involvement are specifically excluded.Abbreviated ISN/RPS classification of lupus nephritis (2003):Class I - Minimal mesangial lupus nephritisClass II - Mesangial proliferative lupus nephritisClass III - Focal lupus nephritisClass IV - Diffuse segmental (IV-S) or global (IV-G) lupus nephritisClass V - Membranous lupus nephritisClassVI - Advanced sclerosing lupus nephritis the final diagnosis must be confirmed by a certified doctor specialising in Rheumatology and Immunology. 33\. Major Burns![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) Third degree (i.e. full thickness skin destruction) burns covering at least twenty percent (20%) of the total body surface area.The condition should be confirmed by a Consultant Physician. Burns arising due to self-infliction are excluded. 34\. Aplastic Anaemia![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) Irreversible persistent bone marrow failure which results in anaemia, neutropenia and thrombocytopenia requiring treatment with at least two (2) of the following:(a)Blood product transfusion;(b)Marrow stimulating agents;(c)Immunosuppressive agents; or(d)Bone marrow transplantation.The Diagnosis of aplastic anaemia must be confirmed by a bone marrow biopsy. Two out of the following three values should be present:\-Absolute Neutrophil count of 500 per cubic millimetre or less;\-Absolute Reticulocyte count of 20,000 per cubic millimetre or less; and\-Platelet count of 20,000 per cubic millimetre or less. \* The CI Benefit for Angioplasty is subject to a maximum of Rs. 5,00,000. On payment of Angioplasty, if the CI Benefit is more than Rs. 5,00,000 the policy will continue for other CIs with CI Benefit reduced by Angioplasty payout and correspondingly Life cover reduced by the same amount. The future premiums payable for the residual CI Benefit and correspondingly reduced Life Cover will reduce proportionately. Terms and Conditions Waiting period for Critical Illness Benefit: 1\.The benefit shall not apply or be payable in respect of any Critical Illness of which the symptoms have occurred or for which care, treatment, or advice was recommended by or received from a Physician, or which first manifested itself or was contracted during the first six months from the Policy issue date or 3 months from the policy reinstatement date where the policy has lapsed for more than 3 months. 2\.In the event of occurrence of any of the scenarios mentioned above, or in case of a death claim, where it is established that the Life Assured was diagnosed to have any one of the covered critical illness during the waiting period for which a critical illness claim could have been made, the Company will refund all premiums paid from risk commencement date of the policy or from the date of reinstatement as applicable and the policy will terminate. 3\.No waiting period applies where Critical Illness is due to accident. Exclusions for Critical Illness Benefit: No CI benefit will be payable in respect of any listed condition arising directly or indirectly from, though, in consequence of or aggravated by any of the following: 1\.Pre-Existing Conditions or conditions connected to a Pre-Existing Condition will be excluded. Pre-Existing is any condition for which the Life Assured had signs, or symptoms, and/ or were diagnosed, and / or received medical advice / treatment within 48 months to prior to the first policy issued by the Company will be excluded. 2\.Existence of any Sexually Transmitted Disease (STD) and its related complications or Acquired Immune Deficiency Syndrome (AIDS) or the presence of any Human Immuno-deficiency Virus (HIV) 3\.Self-inflicted injury, suicide, insanity and deliberate participation of the life insured in an illegal or criminal act. 4\.Use of intoxicating drugs / alcohol / solvent, taking of drugs except under the direction of a qualified medical practitioner. 5\.War – whether declared or not, civil commotion, breach of law with criminal intent, invasion, hostilities (whether war is declared or not), rebellion, revolution, military or usurped power or wilful participation in acts of violence. 6\.Aviation other than as a fare paying passenger or crew in a commercial licensed aircraft. 7\.Taking part in any act of a criminal nature. 8\.Treatment for injury or illness caused by avocations / activities such as hunting, mountaineering, steeple-chasing, professional sports, racing of any kind, scuba diving, aerial sports, activities such as hand-gliding, ballooning, deliberate exposure to exceptional danger. 9\.Radioactive contamination due to nuclear accident. 10\.Failure to seek or follow medical advice, the Life assured has delayed medical treatment in order to circumvent the waiting period or other conditions and restriction applying to this policy. 11\.Any treatment of a donor for the replacement of an organ. 12\.A congenital condition of the insured. close [Plans]() [Term Insurance]() [Claims](https://www.iciciprulife.com/insurance-claim.html) [NRI Plans]() [Knowledge Center](https://www.iciciprulife.com/insurance-library/knowledge-center.html) [Customer Services](https://www.iciciprulife.com/services/online-services.html) [Track Application](https://buy.iciciprulife.com/buy/apptrackerhomeNew.htm) [Pay Premium](https://www.iciciprulife.com/services/pay-life-insurance-premium-online.html?UID=39390) [GIFT City](https://www.iciciprulife.com/global-insurance-plans/gift-city.html) [About Us]() [Public Disclosure](https://www.iciciprulife.com/about-us/investor-relations/yearly-public-disclosures.html?ID=about3) [Contact Us](https://www.iciciprulife.com/contact-us.html) [Join Us]() [Testimonials](https://www.iciciprulife.com/insurance-library/customer-testimonials.html) [Plans]() [TERM INSURANCE](https://www.iciciprulife.com/term-insurance.html) - 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[Company Overview](https://www.iciciprulife.com/about-us/company-overview.html) - [Investor Relations](https://www.iciciprulife.com/about-us/investor-relations.html?ID=about1) - [Corporate Policies](https://www.iciciprulife.com/about-us/corporate-policies.html?ID=about-corp) - [Media Center](https://www.iciciprulife.com/about-us/media-center/press-releases.html?ID=about5) - [Awards and Accolades](https://www.iciciprulife.com/about-us/media-center/awards-and-accolades.html?ID=about6) - [View Our Ads](https://www.iciciprulife.com/about-us/media-center/view-our-ads.html?ID=about7) [Public Disclosure]() [Contact Us]() [Join Us]() [As An Employee](https://ismarthire.iciciprulife.com/Career/) [As An Advisor](https://www.iciciprulife.com/insurance-careers/life-insurance-sales-advisor-details.html) [Testimonials]() [back]() - Claim amount paid out in single instalmentD4 (lumpsum) - Up to 5%\` Online Discount (Lifetime) - Affordable High Life Cover2a to protect your family - Up to 15%S Salaried Discount (For 1st Year premium) - 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[Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Saral_Jeevan_Bima_Brochure.pdf) - [Know More](https://www.iciciprulife.com/life-insurance/icici-pru-saral-jeevan-bima-plan.html) W/II/1360/2025-26 [back]() - Claim amount paid to nominee in monthlyD1 instalments - Up to 5%\` Online Discount (Lifetime) - Up to 15%S Salaried Discount (For 1st Year premium) - In-built Terminal Illness Benefit6 and 12-month premium break4 option - Optional 60 Critical Illnesses2 cover & Accidental Death Benefit3 cover [check premium](https://www.iciciprulife.com/term-insurance-plans/iprotect-smart-term-insurance-calculator.html?UID=39919&persona=monthlyincome) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_iProtect_Smart_Plus_Brochure.pdf) - [Know More](https://www.iciciprulife.com/term-insurance-plans/iprotect-smart-plus-term-plan.html?UID=39385) W/II/1316/2023-24 [back]() - Affordable High Life Cover1 to protect your family - Flat 15%F Discount for Women on Life Cover (Lifetime) - Up to 5%\` Online Discount (Lifetime) - Up to 15%S Salaried Discount (For 1st Year premium) - 60 Critical Illnesses Cover2 (Optional) - Tax benefit\* on premiums paid and tax-free\\ claims payout [check premium](https://www.iciciprulife.com/term-insurance-plans/iprotect-smart-term-insurance-calculator.html?UID=41117&persona=Working_Women) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_iProtect_Smart_Plus_Brochure.pdf) - [Know More](https://www.iciciprulife.com/term-insurance-plans/iprotect-smart-plus-term-plan.html?UID=41117) W/II/0354/2024-25 [back]() - Affordable Life cover1 to protect your family: No Income Documents RequiredI - 12-month Premium BreakP @ ₹0 extra cost - Terminal Illness Benefit6 and 100% Premium Refund3 option @ ₹0 extra cost - Optional Additional Accidental Death4 and Disability5 rider - On 1st Year Premium: 12%\! Online Discount & 7%L Loyalty Discount - Flat 15%F Lifetime Female Discount [check premium](https://www.iciciprulife.com/term-insurance/buy-iprotect-super-online.html?UID=43644) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_iProtect_Super_Brochure.pdf) - [Know More](https://www.iciciprulife.com/term-insurance/iprotect-super-term-plan.html?UID=43644) [back]() - Life cover1 to provide coverage against death and terminal illness - Complimentary health management and wellbeing services2 - 15% lower premiums for women3 as compared to male lives - Option of Premium Break4 to defer premiums by 12 months [check premium](https://www.iciciprulife.com/term-insurance-plans/icici-pru-iprotect-care-term-calculator.html?UID=56631) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_iProtect_Care_Brochure.pdf) - [Know More](https://www.iciciprulife.com/term-insurance/icici-pru-iprotect-care.html) [back]() - Affordable High Life Cover2a to protect your family - 100% Total Premium Refund° option - Optional 60 Critical Illnesses2 cover of up to ₹ 1.5 crore - Optional Accidental Death Benefit3 cover of up to ₹ 3 crore - In-built Terminal Illness Benefit6 and 12-month premium break4 option - Tax benefit\* on premiums paid and tax-free\\ claims payout and returns - Up to 15% discountS on first year's premium for salaried customers [check premium](https://www.iciciprulife.com/term-insurance-plans/iprotect-smart-term-insurance-calculator.html?UID=39385&persona=smartexit) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_iProtect_Smart_Plus_Brochure.pdf) - [Know More](https://www.iciciprulife.com/term-insurance-plans/iprotect-smart-plus-term-plan.html?UID=39385) [back]() - Potential to grow your wealth with Market Linked Returns - Life cover1 up to 125x of Annual Premium7 - Return of Mortality and premium allocation charges2 - Unlimited tax-free\* partial withdrawals4 allowed, that too free of cost - Take control of your investments with unlimited free fund switches6 - Tax benefit\* on premiums paid and tax-free\* claims payout and returns [BUY ONLINE](https://www.iciciprulife.com/ulip-plans/buy-icici-protect-and-gain.html?UID=39385) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Protect_N_Gain_Brochure.pdf) - [Know More](https://www.iciciprulife.com/ulip-plans/icici-protect-and-gain.html?UID=39385) [back]() - High life cover1 to protect your family - Guaranteed3 100% return of premium3 on survival - Tax benefit\* on premiums paid and tax-free\\ claims payout and returns - Optional Accidental Death Rider4 of up to ₹ 3 crore - Optional Accidental Total and Permanent Disability Rider5 of up to ₹ 3 crore - 15%F lower premiums for women (lifetime) [CHECK PREMIUM](https://www.iciciprulife.com/term-insurance-plans/return-of-premium-term-plan.html?UID=37034) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI-Pru-iProtect-Smart-ROP-Brochure.pdf) - [Know More](https://www.iciciprulife.com/term-insurance/iprotect-smart-return-of-premium-term-plan.html?UID=37034) W/II/1208/2024-25 [back]() - Affordable Life cover1 to protect your family: No Income Documents RequiredI - 12-month Premium BreakP @ ₹0 extra cost - Terminal Illness Benefit6 and 100% Premium Refund3 option @ ₹0 extra cost - Optional Additional Accidental Death4 and Disability5 rider - On 1st Year Premium: 12%\! Online Discount & 7%L Loyalty Discount - Flat 15%F Lifetime Female Discount [check premium](https://www.iciciprulife.com/term-insurance/buy-iprotect-super-online.html?UID=43645) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_iProtect_Super_Brochure.pdf) - [Know More](https://www.iciciprulife.com/term-insurance/iprotect-super-term-plan.html?UID=43645) [back]() - Get tax\\- free market linked returns - Zero charges\! – No premium allocation and policy administration charges - Adopt to changing markets with free unlimited fund switching2 - Inbuilt life cover1 to financially protect your family [Buy Online](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/buy-icici-pru-smart-insurance-plan-plus.html?UID=1160) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_SIP_Plus_Brochure.pdf) - [Know More](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/icici-pru-smart-insurance-plan-plus.html) T\&C Apply IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. [back]() - Create wealth with market-linked returns - Life cover1 + premium waiver2 + income3 benefit to financially protect your loved ones - Tax\-free returns - Loyalty additions4 of 2.5% of fund value - Access to make withdrawals13 from fund [Buy Online](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/buy-icici-pru-ulip-signature-assure.html?UID=1160) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Signature_Assure_Brochure.pdf) - [Know More](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/icici-pru-ulip-signature-assure.html) T\&C Apply IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. [back]() - Investment and returns in US dollars, enabling wealth creation without INR depreciation risk - Portfolio diversification through investment in global and Indian markets - Life cover3 that protects your family’s future - Systematic withdrawal plan9 to withdraw money regularly from your policy - Flexibility of partial withdrawals - Waiver of premium option1 [Buy Now](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/buy-icici-pru-global-wealth-multiplier-for-nri.html?UID=3) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/prospectus/ICICI-Pru-Global-Wealth-Multiplier-Prospectus.pdf) - [Know More](https://www.iciciprulife.com/global-insurance-plans/icici-pru-global-wealth-multiplier.html) IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. [back]() - Potential to grow wealth through market linked returns - Level of life cover2 as per your choice - Systematic withdrawal plan3 to withdraw money regularly from your policy - Tax benefits\* as per prevailing tax laws - Choice of 4 portfolio strategies and wide range of funds4 [Buy Online](https://www.iciciprulife.com/ulip-plans/icici-pru-platinum-online.html?UID=41143) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Know More](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/icici-pru-platinum.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Platinum_Brochure.pdf) [back]() - Build your retirement corpus through market-linked returns and live a stress-free life after retirement - Tax-free commutation of up to 60% of the vesting benefit1 - Flexibility of Partial Withdrawals2 - Choice of 3 portfolio strategies and a wide range of funds3 - Low-cost charge structure with return of charges at vesting4 [Buy Online](https://www.iciciprulife.com/retirement-pension-plans/buy-icici-pru-signature-pension-plan.html?UID=1160) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Signature_Pension_Brochure.pdf) - [Know More](https://www.iciciprulife.com/retirement-pension-plans/icici-pru-signature-pension-plan.html?UID=1725) [back]() - Invest only once and enjoy benefits for entire policy term - 100% amount invested in wide range of funds - Choice of multiple funds - Life cover to protect your loved ones - Tax benefits [Know More](https://www.iciciprulife.com/ulip-plans/icici-single-premium-policy-pru-one-wealth.html?UID=1725) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru1_Wealth_Brochure.pdf) [back]() Premium starts at \`2500/- p.m. - Invest in your choice of equity, debt or balanced funds - Choice of 4 portfolio strategies - Life cover to protect your loved ones - Get rewarded with Loyalty Additions & Wealth Boosters - Tax benefits [BUY ONLINE](https://www.iciciprulife.com/ulip-plans/buy-icici-ulip-returns-calculator-lifetime-classic-online.html?UID=1160) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_LifeTime_Classic_Brochure_Final.pdf) - [Know More](https://www.iciciprulife.com/ulip-plans/icici-ulip-lifetime-classic-plan.html?UID=1725) [back]() - Grow your wealth through market linked returns - Goal Assurance with Future Secure2 (i.e. Waiver of Premium) - Financial security for your family in your absence with life cover6 and Family Income5 - Return3 of premium allocation charges and policy administration charges at maturity - Assurance of protecting your investments through Maturity Protect4 - Choice of 4 portfolio strategies and wide range of funds1 - Tax benefits7 as per prevailing tax laws [Buy Online](https://www.iciciprulife.com/protection-saving-plans/buy-icici-pru-signature-capital-guarantee-two.html?UID=1160) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Smart_Goal_Assure_Brochure.pdf) - [Know More](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/icici-pru-smart-goal-assure.html) [back]() - Financial protection for your loved ones with life cover - Tax\-free returns - Return of mortality and policy administration charges1 - Withdraw money regularly from your policy with SWP3 [BUY ONLINE](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/icici-pru-signature-ulip-calculator.html?UID=1160) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Signature_Online_Brochure.pdf) - [Know More](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/icici-pru-ulip-signature.html?UID=1725) For offline Signature refer to [Offline Signature Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Signature_Offline_Brochure.pdf) [back]() - Financial protection for your loved ones with life insurance cover3 - Return of Total Premium Allocation Charges at a compounding rate of 7% per annum1 - High Premium Benefit to boost your fund value2 - Enjoy policy benefits till 99 years of age with Whole Life policy term option - Systematic withdrawal plan4 to withdraw money regularly from your policy [Know More](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/icici-pru-wealth-elite-pro.html) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI-Pru-Wealth-Elite-Pro.pdf) [back]() - Create a corpus for your child's future with market linked returns - Life cover1 + in built premium waiver18 to financially protect your child in your absence - Income3 benefit to cover necessary expenses in case of parent’s sudden demise - Tax\ benefits under the Income Tax Act, 2025 [buy online](https://www.iciciprulife.com/child-insurance/buy-icici-pru-ulip-smartkid-assure.html?UID=1160) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Signature_Assure_Brochure.pdf) \* T\&C Apply IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. [back]() - A 360° plan to protect your child’s future with guarantee2 - Flexibility to get payouts as per child’s milestones^ - Life Cover1 + waiver of premium18 + regular income3 guaranteed2 in your absence - 100% tax-free\* returns and tax\* benefits on premiums paid under the Income Tax Act, 2025 [BUY ONLINE](https://www.iciciprulife.com/child-insurance/buy-icici-pru-smartkid-360.html?UID=1160) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI-Pru-Smart-Kid-360-Brochure.pdf) - [Know More](https://www.iciciprulife.com/child-insurance/icici-pru-smart-kid-360.html) \T\&C Apply W/II/1778/2025-26 [back]() - Market-linked returns12 + 100% security9 of investment - Life Cover4 to financially protect your loved ones in your absence - Wealth boosters1 addition to boost your returns - Tax2\-free returns [Buy Online](https://www.iciciprulife.com/protection-saving-plans/buy-icici-pru-signature-capital-guarantee-two.html?UID=1160) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Prudential_Signature_Capital_Guarantee_II_Brochure.pdf) - [Know More](https://www.iciciprulife.com/protection-saving-plans/capital-guarantee-plan.html) IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. [back]() - 100% Capital guarantee1 + market-linked returns2 - Diverse fund options across equity, balanced and debt - Protect your loved ones financially with a life cover4 - Tax benefits3 as per prevailing tax laws - Boost your returns with maturity boosters6 [Buy Online](https://www.iciciprulife.com/protection-saving-plans/capital-guarantee-solution-calculator.html?UID=39761) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Save_N_Grow_Brochure.pdf) IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. [back]() - Guaranteed Income2 to help you achieve your financial goals - Flexibility to choose Percentage of MoneyBack Benefit4 and when you want to receive MoneyBack Benefit4 - Life Insurance Cover1 for financial security of your family [Buy Online](https://www.iciciprulife.com/protection-saving-plans/buy-icici-pru-gift-pro.html?UID=1160) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_GIFT_Pro_Brochure_V23_Webview.pdf) - [Know More](https://www.iciciprulife.com/protection-saving-plans/icici-pru-gift-pro.html?UID=1725) - [![](https://www.iciciprulife.com/content/dam/icicipru/all/prospectus-brochure-icon.svg) Prospectus](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_GIFT_Pro_Brochure.pdf) 2Conditions apply [back]() - Guaranteed benefits1 in the form of lump sum - Life insurance cover2 for financial security of your family - Tax benefits3 may be applicable on premiums paid and benefits received as per prevailing tax laws [Buy Online](https://www.iciciprulife.com/protection-saving-plans/icici-pru-guaranteed-income-for-tomorrow-calculator.html?UID=1160) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Guaranteed_Income_For_Tomorrow.pdf) - [Know More](https://www.iciciprulife.com/protection-saving-plans/icici-pru-guaranteed-income-for-tomorrow.html?UID=1160) [back]() - Regular income1 up to 99 years of age followed by a lump sum2 on maturity - Option to start receiving income immediately from the end of 1st policy year or defer3 it for a few years as per your need - Choice to start receiving income instantly within 7 working days of realisation of first year's premium by the company post issuance of the policy - Protection through life cover4 till up to 99 years of age - Tax benefits5 may be applicable on premiums paid and benefits received as per prevailing tax laws [Buy Online](https://www.iciciprulife.com/protection-saving-plans/buy-icici-pru-gold.html?UID=37635) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_GOLD_Brochure_Webview.pdf) - [Know More](https://www.iciciprulife.com/protection-saving-plans/icici-pru-gold.html?UID=1725) - [![](https://www.iciciprulife.com/content/dam/icicipru/all/prospectus-brochure-icon.svg) Prospectus](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI-Pru-Gold-Brochure.pdf) [back]() - Savings with the comfort of guarantee\# - Flexibility in premium payment term - Security of your loved ones with potential for wealth creation and your Life Cover1 [BUY ONLINE](https://www.iciciprulife.com/money-back-endowment-plans/future-perfect-savings-plan-calculator.html?UID=1160) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI%20Future%20Perfect%20-%20Brochure.pdf) - [Know More](https://www.iciciprulife.com/money-back-endowment-plans/future-perfect-endowment-plan.html?UID=1725) [back]() - Build your retirement corpus through market-linked returns and live a stress-free life after retirement - Tax-free commutation of up to 60% of the vesting benefit1 - Flexibility of Partial Withdrawals2 - Choice of 3 portfolio strategies and a wide range of funds3 - Low-cost charge structure with return of charges at vesting4 [Buy Online](https://www.iciciprulife.com/retirement-pension-plans/buy-icici-pru-signature-pension-plan.html?UID=1160) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Signature_Pension_Brochure.pdf) - [Know More](https://www.iciciprulife.com/retirement-pension-plans/icici-pru-signature-pension-plan.html?UID=1725) [back]() - A regular-pay deferred annuity plan that helps you gradually build the retirement savings and provide guaranteed income for life - Flexible premium paying terms and deferment periods - Choice of increasing annuity options that will give you inflation hedged retirement income in your golden years - Flexibility to withdraw up to 60% of total premiums paid as lumpsum - Financial security for your family even in your absence, with the Waiver of Premium feature3 - Annuity plan can cover either single or joint life2 - Tax benefits as per prevailing tax laws [Buy Online](https://www.iciciprulife.com/retirement-pension-plans/guaranteed-pension-plan-flexi-calculator.html?UID=1160) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_GPP_Flexi_Brochure.pdf) - [Know More](https://www.iciciprulife.com/retirement-pension-plans/guaranteed-pension-plan-flexi.html?UID=1725) - [![](https://www.iciciprulife.com/content/dam/icicipru/all/prospectus-brochure-icon.svg) Prospectus](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_GPP_Flexi_Prospectus.pdf) [back]() - Pay just once and get a guaranteed lifelong income - Continue pension for spouse after you with the Joint Life1 option - Purchase Price is returned back to your nominee2 - Option to avail a loan against your policy3 [Buy Online](https://www.iciciprulife.com/retirement-pension-plans/buy-icici-pru-saral-pension-plan.html?UID=1160) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Saral_Pension_Brochure.pdf) - [Know More](https://www.iciciprulife.com/retirement-pension-plans/icici-pru-saral-pension-plan.html?UID=1725) [back]() - Build your retirement savings with guaranteed benefits1 & bonuses2 - Tax-free commutation of upto 60% of the vesting benefit3 - Flexibility of cash withdrawals4 - Free health check-up5 [Buy Online](https://buy.iciciprulife.com/buy/EBI.htm#/PreEBI/D05) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Know More](https://www.iciciprulife.com/retirement-pension-plans/icici-pru-gold-pension-savings.html?UID=1725) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Gold_Pension_Savings_Brochure.pdf) 1 T\&C Apply [back]() - Single premium plan to get guaranteed income for the rest of your life - Option to defer income by up to 10 years - Annuity plan can cover either single or joint life - Flexible payout options to suit your need - Tax benefits^ on premiums paid and on maturity [Buy Online](https://www.iciciprulife.com/retirement-pension-plans/guaranteed-pension-plan-calculator.html?UID=1160&persona=GPPDA) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Know More](https://www.iciciprulife.com/retirement-pension-plans/guaranteed-pension-plan.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Guaranteed_Pension_Plan.pdf) [back]() - Single premium plan to get guaranteed income for the rest of your life - Option to get annuity income as early as next month - Annuity plan can cover either single or joint life - Flexible payout options to suit your need - Tax benefits^ on premiums paid and on maturity [Buy Online](https://www.iciciprulife.com/retirement-pension-plans/guaranteed-pension-plan-calculator.html?UID=1160&persona=GPPIA) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Know More](https://www.iciciprulife.com/retirement-pension-plans/guaranteed-pension-plan.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Guaranteed_Pension_Plan.pdf) [back]() - Get comprehensive life cover1 along with potential to grow your wealth with Market Linked Returns - 1X return of mortality2 charges from 11th year onwards - 1X return of premium allocation charges2 charges from 11th year onwards - LoyaltyL additions: Extra units from policy year (67 less Entry Age) and onwards - Coverc continuance booster: Protection from adverse market scenarios - 20% Maturity booster3 [CHECK PREMIUM](https://www.iciciprulife.com/ulip-plans/buy-icici-protect-and-gain-whole-life.html?UID=56633) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Protect_N_Gain_Whole_Life_Brochure.pdf) - [Know More](https://www.iciciprulife.com/ulip-plans/icici-pru-protect-and-gain-whole-life.html) [back]() - Increasing life cover1 to secure a legacy@ for your family - 100% payout on Terminal illness3 - Complimentary health checkup\# - Return of 100% of Total Premium Paid upon maturity^^ [Know More](https://www.iciciprulife.com/protection-saving-plans/icici-pru-wealth-forever.html?UID=1725) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Wealth_Forever_Brochure.pdf) - [![](https://www.iciciprulife.com/content/dam/icicipru/all/prospectus-brochure-icon.svg) Prospectus](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Wealth_Forever_Prospectus.pdf) [back]() - A regular income 1 up to 99 years of age - A lumpsum 2 on maturity as your legacy for your loved ones - Protection of life cover4 throughout the policy term - Tax5 benefits may be applicable on premiums paid and benefits received as per prevailing tax laws [Buy Online](https://www.iciciprulife.com/protection-saving-plans/buy-icici-pru-gold.html?UID=37635) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_GOLD_Brochure_Webview.pdf) - [Know More](https://www.iciciprulife.com/protection-saving-plans/icici-pru-gold.html?UID=1725) - [![](https://www.iciciprulife.com/content/dam/icicipru/all/prospectus-brochure-icon.svg) Prospectus](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI-Pru-Gold-Brochure.pdf) [back]() - Comprehensive coverage1 against women specific critical illnesses2 and surgeries2 - Cover1 for surgeries2 resulting from specific illnesses2 - Fixed lump sum1 pay-out on diagnosis of any of the covered critical illnesses2 - Premium remains guaranteed3 throughout the coverage term - Coverage1 for pregnancy complications and newborn complications through Maternity Care Benefit under Health Care Plus plan option - Premium Sabbatical4 Benefit which allows you to get one full year’s premium holiday, while enjoying full policy benefits [Check Premium](https://www.iciciprulife.com/health-insurance/buy-icici-pru-wish.html?UID=43629) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Wish_Brochure.pdf) - [Know More](https://www.iciciprulife.com/health-insurance/icici-pru-wish.html) - [![](https://www.iciciprulife.com/content/dam/icicipru/all/prospectus-brochure-icon.svg) Prospectus](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Wish_Prospectus.pdf) [back]() - Up to ₹1.5 crore 60 Critical Illnesses2 cover (optional) - Adequate Life cover2a to protect your family - Covers diseases2 like Cancer, Heart Attack, organ failure, etc. (optional) - Lumpsum Optional Critical Illness2 claims payout based on diagnostic report - In-built Terminal Illness Benefit6 and 12-month premium break4 option - Tax benefit\ on premiums paid and tax-free\\ claims payout and returns [Check Premium](https://www.iciciprulife.com/term-insurance-plans/iprotect-smart-term-insurance-calculator.html?UID=43583) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI%20Pru%20iProtect%20Smart.pdf) - [Know More](https://www.iciciprulife.com/term-insurance-plans/iprotect-smart-plus-term-plan.html?UID=43583) \Conditions apply [back]() - Competitive premium rates - Flexible premium payment modes - Customized coverage as per organization’s structure - Seamless addition/removal of new employees - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Group_Term_Plus_Brochure.pdf) - [Know More](https://www.iciciprulife.com/group-insurance-plans/group-term-plus.html) [back]() - Choose from a range of 10 Debt and Equity oriented funds - Market-linked returns - Policy value- based loyalty additions added every year - Tax\ benefits as per prevailing laws - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Group_Unit_Linked_Employee_Benefit_Plan.pdf) - [Know More](https://www.iciciprulife.com/group-insurance-plans/group-unit-linked-employee-benefit-plan.html) IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. [back]() - Interest accruals at the end of each financial year - Flexibility to deposit contributions - Withdrawals from the policy under defined scheme rules - Customised schemes for employee benefits - Tax\* benefits as per prevailing tax laws - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Group_Suraksha_Plus.pdf) - [Know More](https://www.iciciprulife.com/group-insurance-plans/group-suraksha-plus.html) [back]() - Choose from 8 fund options - Free switching between funds at no extra cost\* - Loyalty additions allocated at the end of every financial year based on policy value - Tax\* benefits as per prevailing laws - Annuity purchase options including joint life and return of purchase price - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Group_Unit_Linked_Superannuation_Plus.pdf) - [Know More](https://www.iciciprulife.com/group-insurance-plans/group-unit-linked-superannuation-plus.html) IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. [back]() - Choice of 5 fund options - Minimum 100% capital guarantee on contributions - Tax\* benefits as per prevailing laws - Policy value-based loyalty additions - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Group_Unit_Linked_Superannuation.pdf) - [Know More](https://www.iciciprulife.com/group-insurance-plans/group-unit-linked-superannuation.html) IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. [back]() - Interest accruals at the end of the financial year - Minimum guarantees as per scheme options to the extent of 100% of contributions made - Employee benefits payable on exit as per scheme rules - Tax\* benefits as per prevailing laws - Annuity purchase options including joint life and return of purchase price - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Group_Suraksha_Plus_Superannuation.pdf) - [Know More](https://www.iciciprulife.com/group-insurance-plans/group-suraksha-plus-superannuation.html) [back]() - Wide range of annuity options - Fixed payout, that is free from market fluctuations - Immediate annuity payout - monthly, quarterly, half-yearly or yearly - Return of Purchase Price (optional) on death, Critical Illness or Permanent Disability due to accident - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/Group_Immediate_Annuity_Brochure.pdf) - [Know More](https://www.iciciprulife.com/group-insurance-plans/immediate-annuity.html) [back]() - Covers up to 33 critical illnesses - Opt in at the start or renewal of the base policy - Option to accelerate the base cover on diagnosis of enlisted Critical Illnesses (CI) - Customised schemes for employee benefits - Flexibility to pay one-time, annual, semi-annual, quarterly, or monthly premiums - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Non-Linked_Group_Critical_Illness_Rider.pdf) - [Know More](https://www.iciciprulife.com/group-insurance-plans/group-non-linked-critical-illness-rider.html) [back]() - Added layer of protection against accidental death or disability - Choice to opt in at the start or renewal of the base policy - Option to accelerate the base cover on diagnosis of enlisted Critical Illnesses (CI) - Employers can avail of tax\* benefits as per the prevailing laws - Flexibility to pay one-time, annual, semi-annual, quarterly, or monthly premiums - Avail of the tax\* benefits as per prevailing laws - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/groups-brochure/ICICI_Pru_Non_Linked_Group_ADD_Rider-Brochure.pdf) - [Know More](https://www.iciciprulife.com/group-insurance-plans/group-non-linked-accidental-death-and-disability-rider.html) [back]() [back]() [back]() [back]() [back]() [back]() [back]() [back]() [back]() [back]() [back]() [back]() [back]() [back]() [back]() [back]() [back]() [back]() [back]() [back]() - [History](https://www.iciciprulife.com/about-us/company-overview.html) - [Promoters](https://www.iciciprulife.com/about-us/company-overview/promoters.html?ID=about-promoters) - [Board of Directors](https://www.iciciprulife.com/about-us/company-overview/board-of-directors.html?ID=about-bod) - [Board Committees](https://www.iciciprulife.com/about-us/company-overview/board-committees.html?ID=about-com) - [Key Persons](https://www.iciciprulife.com/about-us/company-overview/key-persons.html?ID=about-mang) - [Corporate Social Responsibility](https://www.iciciprulife.com/about-us/company-overview/corporate-social-responsibility.html?ID=about-csr) [back]() - [Financial Information](https://www.iciciprulife.com/about-us/investor-relations/financial-information.html?ID=about2) - [Public Disclosures](https://www.iciciprulife.com/about-us/investor-relations/yearly-public-disclosures.html?ID=about3) - [Active Agents List](https://www.iciciprulife.com/about-us/investor-relations/yearly-public-disclosures.html?ID=about3) - [Information to Shareholder](https://www.iciciprulife.com/about-us/shareholder-information/notices.html?ID=about-notice) - [Bulletin Board](https://www.iciciprulife.com/about-us/bulletin-board.html?ID=about4) [back]() - Corporate Policies [Know More](https://www.iciciprulife.com/about-us/corporate-policies.html?ID=about-corp) [back]() - [Press Releases](https://www.iciciprulife.com/about-us/media-center/press-releases.html?ID=about5) [back]() - Awards and Accolades [View Awards](https://www.iciciprulife.com/about-us/media-center/awards-and-accolades.html?ID=about6) [back]() - View Our Ads [View Ads](https://www.iciciprulife.com/about-us/media-center/view-our-ads.html?ID=about7) [back]() [back]()
Readable Markdown	1\. Cancer of Specified Severity![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) A malignant tumour characterised by the uncontrolled growth & spread of malignant cells with invasion & destruction of normal tissues. This diagnosis must be supported by histological evidence of malignancy & confirmed by a pathologist. The term cancer includes leukemia, lymphoma and sarcoma. The following are excluded –1\.Tumours showing the malignant changes of carcinoma in situ & tumours which are histologically described as premalignant or noninvasive, including but not limited to: Carcinoma in situ of breasts, Cervical dysplasia CIN-1, CIN -2 & CIN-3. 2\.Any skin cancer other than invasive malignant melanoma 3\.All tumours of the prostate unless histologically classified as having a Gleason score greater than 6 or having progressed to at least clinical TNM classification T2N0M0. 4\.Papillary micro - carcinoma of the thyroid less than 1 cm in diameter 5\.Chronic lymphocyctic leukaemia less than RAI stage 3 6\.Microcarcinoma of the bladder 7\.All tumours in the presence of HIV infection 2\. Angioplasty\#![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) Means the actual undergoing for the first time of Coronary Artery Balloon Angioplasty and /or the insertion of a stent to correct a narrowing of minimum 60% stenos is, of one or more major Coronary arteries as shown by Angiographic evidence.The revascularisation must be considered medically necessary by a consultant Cardiologist.Coronary arteries herein refer only to Left Main Stem, Left Anterior Descending, Circumflex and Right Coronary Artery.Intra Arterial investigative procedures and Diagnostic Angiography are not included.Evidence required: In addition to the other documents, the Company shall require the following:Coronary Angiography Report – Pre and post Angioplasty or Other Invasive Treatment as defined aboveDischarge Card of the hospital where the procedure was done 3\. Heart Attack![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) The first occurrence of myocardial infarction which means the death of a portion of the heart muscle as a result of inadequate blood supply to the relevant area. The diagnosis for this will be evidenced by all of the following criteria: 1\.A history of typical clinical symptoms consistent with the diagnosis of Acute Myocardial Infarction (for e.g. typical chest pain) 2\.New characteristic electrocardiogram changes3\.Evation of infarction specific enzymes, Troponins or other specific biochemical markers.The following are excluded:1\.Non-ST-segment elevation myocardial infarction (NSTEMI) with elevation of Troponin I or T; 2\.Other acute Coronary Syndromes3\.Any type of angina pectoris. 4\. Heart Valve Surgery![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) The actual undergoing of open-heart valve surgery is to replace or repair one or more heart valves, as a consequence of defects in, abnormalities of, or disease-affected cardiac valve(s). The diagnosis of the valve abnormality must be supported by an echocardiography and the realization of surgery has to be confirmed by a specialist medical practitioner. Catheter based techniques including but not limited to, balloon valvotomy/valvuloplasty are excluded. 5\. Surgery to Aorta![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) The actual undergoing of major surgery to repair or correct an aneurysm, narrowing, obstruction or dissection of the aorta through surgical opening of the chest or abdomen. For the purpose of this definition, aorta shall mean the thoracic and abdominal aorta but not its branches. 6\. Cardiomyopathy![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) An impaired function of the heart muscle, unequivocally diagnosed as Cardiomyopathy by a Registered Medical Practitioner who is a cardiologist, and which results in permanent physical impairment to the degree of New York Heart Association classification Class III or Class IV, or its equivalent, based on the following classification criteria:Class III - Marked functional limitation. Affected patients are comfortable at rest but performing activities involving less than ordinary exertion will lead to symptoms of congestive cardiac failure.Class IV - Inability to carry out any activity without discomfort. Symptoms of congestive cardiac failure are present even at rest. With any increase in physical activity, discomfort will be experienced. The Diagnosis of Cardiomyopathy has to be supported by echographic findings of compromised ventricular performance. Irrespective of the above, Cardiomyopathy directly related to alcohol or drug abuse is excluded. 7\. Primary Pulmonary hypertension![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) Primary Pulmonary Hypertension with substantial right ventricular enlargement confirmed by a Cardiologist with the help of investigations including Cardiac Catheterization (cardiac catheterization proving the pulmonary pressure to be above 30 mm of Hg), resulting in permanent irreversible physical impairment of at least Class IV of the New York Heart Association (NYHA) Classification of Cardiac Impairment and resulting in the Life Insured being unable to perform his / her usual occupation.The NYHA Classification of Cardiac Impairment (Source: “Current Medical Diagnosis and Treatment – 39th Edition”):1\.Class I: No limitation of physical activity. Ordinary physical activity does not cause undue fatigue, dyspnoea, or anginal pain.2\.Class II: Slight limitation of physical activity. Ordinary physical activity results in symptoms.3\.Class III: Marked limitation of physical activity. Comfortable at rest, but less than ordinary activity causes symptoms4\.Class IV: Unable to engage in any physical activity without discomfort. Symptoms may be present even at rest. 8\. CABG![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) The actual undergoing of open chest surgery for the correction of one or more coronary arteries, which is/are narrowed or blocked, by coronary artery bypass graft (CABG). The diagnosis must be supported by a coronary angiography and the realization of surgery has to be confirmed by a specialist medical practitioner. Excluded are:1\.Angioplasty and/or any other intra-arterial procedures 2\.Any key-hole or laser surgery 9\. Blindness![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) Total and irreversible loss of sight in both eyes as a result of illness or accident. The blindness must be confirmed by an Ophthalmologist. 10\. Chronic Lung Disease![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) End stage lung disease causing chronic respiratory failure, where all of the following criteria are met:(a)Permanent oxygen therapy is required;(b)A consistent forced expiratory volume (FEV1) test value of less than one (1) liter (during the first second of a forced exhalation);(c)Baseline arterial blood gas analysis showing arterial partial oxygen pressure at a level of fifty-five (55) mmHg or less; and(d)Dyspnea at rest.The diagnosis must be confirmed by a respiratory physician 11\. Chronic Liver Disease![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) End Stage liver failure as evidenced by all of the following:(a)Permanent jaundice;(b)Ascites; and(c)Hepatic encephalopathy.(d)Esophageal or Gastric Varices and Portal HypertensionIrrespective of the above, liver failure due or related to alcohol or drug abuse is excluded. 12\. Kidney Failure![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) End stage renal disease presenting as chronic irreversible failure of both kidneys to function, as a result of which either regular renal dialysis (hemodialysis or peritoneal dialysis) is instituted or renal transplantation is carried out. Diagnosis has to be confirmed by a specialist medical practitioner. 13\. Major Organ/ Bone Marrow Transplant![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) I.The actual undergoing of a transplant of: i.One of the following human organs: heart, lung, liver, kidney, pancreas, that resulted from irreversible end-stage failure of the relevant organ, or ii.Human bone marrow using haematopoietic stem cells. The undergoing of a transplant has to be confirmed by a specialist medical practitioner.II.The following are excluded: i.Other stem-cell transplants ii.Where only islets of langerhans are transplanted 14\. Apallic Syndrome![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) Universal necrosis of the brain cortex, with the brain stem intact. Diagnosis must be definitely confirmed by a Registered Medical practitioner who is also a neurologist holding such an appointment at an approved hospital. This condition must be documented for at least one (1) month.The definition of approved hospital will be in line with Guidelines on Standardization in Health Insurance and as defined below:A hospital means any institution established for in- patient care and day care treatment of sickness and / or injuries and which has been registered as a hospital with the local authorities, wherever applicable, and is under the supervision of a registered and qualified medical practitioner AND must comply with all minimum criteria as under:\-Has at least 10 inpatient beds, in those towns having a population of less than 10,00,000 and 15 inpatient beds in all other places;\-Has qualified nursing staff under its employment round the clock;\-Has qualified medical practitioner (s) in charge round the clock;\-Has a fully equipped operation theatre of its own where surgical procedures are carried out\-Maintains daily records of patients and will make these accessible to the Insurance company’s authorized personnel. 15\. Benign Brain Tumour![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) A benign intracranial tumour where the following conditions are met:i.The tumour is life threatening;ii.It has caused damage to the brain; andiii.It has undergone surgical removal or, if inoperable, has caused a permanent neurological deficit.The following are excluded: cysts, granulomas, vascular malformations, haematomas, tumours of the pituitary gland or spine, tumours of the acoustic nerve, Calcification, Meningiomas.Its presence must be confirmed by a neurologist or neurosurgeon and supported by findings on Magnetic Resonance Imaging, Computerised Tomography, or other reliable imaging techniques. 16\. Brain Surgery![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) The actual undergoing of surgery to the brain, under general anaesthesia, during which a Craniotomy is performed. Burr hole and brain surgery as a result of an accident is excluded. The procedure must be considered necessary by a qualified specialist and the benefit shall only be payable once corrective surgery has been carried out. 17\. Coma![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) A state of unconsciousness with no reaction or response to external stimuli or internal needs. This diagnosis must be supported by evidence of all of the following:No response to external stimuli continuously for at least 96 hours; Life support measures are necessary to sustain life; and Permanent neurological deficit which must be assessed at least 30 days after the onset of the comaThe condition has to be confirmed by a specialist medical practitioner. Coma resulting directly from alcohol or drug abuse is excluded. 18\. Major Head Trauma![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) Accidental head injury resulting in permanent neurological deficit to be assessed no sooner than six (6) weeks (and documented for at least 3 months) from the date of the Accident. This diagnosis must be confirmed by a Registered Medical practitioner who is also a neurologist and supported by unequivocal findings on Magnetic Resonance Imaging, Computerized Tomography, or other reliable imaging techniques. The Accident must be caused solely and directly by accidental, violent, external and visible means and independently of all other causes. The resultant permanent functional impairment must result in an inability to perform at least 3 of the Activities of Daily Living as defined in the policy either with or without the aid of mechanical equipment, special devices or other aids or adaptationsThe following are excluded:(a)Spinal cord injury; and(b)Head injury due to any other causes.The Activities of Daily Living are:1\.Washing: the ability to wash in the bath or shower (including getting into and out of the bath or shower) or wash satisfactorily by other means;2\.Dressing: the ability to put on, take off, secure and unfasten all garments and, as appropriate, any braces, artificial limbs or other surgical appliances;3\.Transferring: the ability to move from a bed to an upright chair or wheelchair and vice versa;4\.Mobility: the ability to move indoors from room to room on level surfaces;5\.Toileting: the ability to use the lavatory or otherwise manage bowel and bladder functions so as to maintain a satisfactory level of personal hygiene;6\.Feeding: the ability to feed oneself once food has been prepared and made available. 19\. Permanent Paralysis of limbs![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) Total and irreversible loss of use of two or more limbs as a result of injury or disease of the brain or spinal cord. A specialist medical practitioner must be of the opinion that the paralysis will be permanent with no hope of recovery and must be present for more than 3 months. 20\. Stroke resulting in permanent symptoms![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) Any cerebrovascular incident producing permanent neurological sequelae. This includes infarction of brain tissue, thrombosis in an intracranial vessel, haemorrhage and embolisation from an extracranial source. Diagnosis has to be confirmed by a specialist medical practitioner and evidenced by typical clinical symptoms as well as typical findings in CT Scan or MRI of the brain. Evidence of permanent neurological deficit lasting for at least 3 months has to be produced.The following are excluded:Transient ischemic attacks (TIA) Traumatic injury of the brain Vascular disease affecting only the eye or optic nerve or vestibular functions. 21\. Alzheimer's Disease![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) Deterioration or loss of intellectual capacity as confirmed by clinical evaluation and imaging tests, arising from Alzheimer's Disease or irreversible organic disorders, resulting in significant reduction in mental and social functioning requiring the continuous supervision of the Life Assured. This diagnosis must be supported by the clinical confirmation of an appropriate Registered Medical practitioner who is also a neurologistand supported by the Company’s appointed doctor.The following are excluded:i.Non-organic disease such as neurosis and psychiatric illnesses; andii.Alcohol-related brain damageiii.Any other type of irreversible organic disorder/dementia 22\. Motor Neurone Disease with permanent symptoms![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) Motor neurone disease diagnosed by a specialist medical practitioner as spinal muscular atrophy, progressive bulbar palsy, amyotrophic lateral sclerosis or primary lateral sclerosis. There must be progressive degeneration of corticospinal tracts and anteriorhorn cells or bulbar efferent neurons. There must be current significant and permanent functional neurological impairment with objective evidence of motor dysfunction that has persisted for a continuous period of at least 3 months. 23\. Multiple Sclerosis with persisting symptoms![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) The definite occurrence of multiple sclerosis. The diagnosis must be supported by all of the following:i.Investigations including typical MRI and CSF findings, which unequivocally confirm the diagnosis to be multiple sclerosis;ii.There must be current clinical impairment of motor or sensory function, which must have persisted for a continuous period of at least 6 months, andiii.Well documented clinical history of exacerbations and remissions of said symptoms or neurological deficits with at least two clinically documented episodes at least one month apart.Other causes of neurological damage such as SLE and HIV are excluded. 24\. Muscular Dystrophy![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) Diagnosis of muscular dystrophy by a Registered Medical Practitioner who is a neurologist based on three (3) out of four (4) of the following conditions:(a)Family history of other affected individuals;(b)Clinical presentation including absence of sensory disturbance, normal cerebro- spinal fluid and mild tendon reflex reduction;(c)Characteristic electromyogram; or(d)Clinical suspicion confirmed by muscle biopsy.The condition must result in the inability of the Life Assured to perform (whether aided or unaided) at least three (3) of the six (6) ‘Activities of Daily Living’ as defined, for a continuous period of at least six (6) months. 25\. Parkinson's Disease![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) Unequivocal Diagnosis of Parkinson’s Disease by a Registered Medical Practitioner who is a neurologist where the condition:(a)Cannot be controlled with medication;(b)Shows signs of progressive impairment; and(c)Activities of Daily Living assessment confirms the inability of the Insured to perform at least three (3) of the Activities of Daily Living as defined in the Policy, either with or without the use of mechanical equipment, special devices or other aids or adaptations in use for disabled persons.Drug-induced or toxic causes of Parkinson’s disease are excluded. 26\. Poliomyelitis![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) The occurrence of Poliomyelitis where the following conditions are met:1\.Poliovirus is identified as the cause and is proved by Stool Analysis,2\.Paralysis of the limb muscles or respiratory muscles must be present and persist for at least 3 months. 27\. Loss of Independent Existence![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) Confirmation by a Consultant Physician of the loss of independent existence due to illness or trauma, lasting for a minimum period of 6 months and resulting in a permanent inability to perform at least three (3) of the following Activities of Daily LivingActivities of Daily Living:1\.Washing: the ability to wash in the bath or shower (including getting into and out of the bath or shower) or wash satisfactorily by other means;2\.Dressing: the ability to put on, take off, secure and unfasten all garments and, as appropriate, any braces, artificial limbs or other surgical appliances;3\.Transferring: the ability to move from a bed to an upright chair or wheelchair and vice versa;4\.Mobility: the ability to move indoors from room to room on level surfaces;5\.Toileting: the ability to use the lavatory or otherwise manage bowel and bladder functions so as to maintain a satisfactory level of personal hygiene;6\.Feeding: the ability to feed oneself once food has been prepared and made available. 28\. Loss of Limbs![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) The loss by severance of two or more limbs, at or above the wrist or ankle. Loss of Limbs resulting directly or indirectly from self-inflicted injury, alcohol or drug abuse is excluded. 29\. Deafness![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) Total and irreversible loss of hearing in both ears as a result of illness or accident. This diagnosis must be supported by audiometric and sound threshold tests provided and certified by an Ear, Nose, and Throat (ENT) specialist. Total means “the loss of at least 80 decibels in all frequencies of hearing” in both ears. 30\. Loss of Speech![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) Total and irrecoverable loss of the ability to speak as a result of injury or disease to the Vocal Cords. The inability to speak must be established for a continuous period of 12 months. This diagnosis must be supported by medical evidence furnished by an Ear, Nose, and Throat (ENT) specialist.All psychiatric related causes are excluded. 31\. Medullary Cystic Disease![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) Medullary Cystic Disease where the following criteria are met:a)The presence in the kidney of multiple cysts in the renal medulla accompanied by the presence of tubular atrophy and interstitial fibrosis;b)Clinical manifestations of anaemia, polyuria, and progressive deterioration in kidney function; andc)The Diagnosis of Medullary Cystic Disease is confirmed by renal biopsy. Isolated or benign kidney cysts are specifically excluded from this benefit.Isolated or benign kidney cysts are specifically excluded from this benefit. 32\. Systematic lupus Eryth. w. Renal Involvement![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) Multi-system, autoimmune disorder characterized by the development of auto-antibodies, directed against various self-antigens. For purposes of the definition of “Critical Illness”, SLE is restricted to only those forms of systemic lupus erythematosus, which involve the kidneys and are characterized as Class III, Class IV, Class V or Class VI lupus nephritis under the Abbreviated International Society of Nephrology/Renal Pathology Society (ISN/RPS) classification of lupus nephritis (2003) below based on renal biopsy. Other forms such as discoid lupus, and those forms with only hematological and joint involvement are specifically excluded.Abbreviated ISN/RPS classification of lupus nephritis (2003):Class I - Minimal mesangial lupus nephritisClass II - Mesangial proliferative lupus nephritisClass III - Focal lupus nephritisClass IV - Diffuse segmental (IV-S) or global (IV-G) lupus nephritisClass V - Membranous lupus nephritisClassVI - Advanced sclerosing lupus nephritis the final diagnosis must be confirmed by a certified doctor specialising in Rheumatology and Immunology. 33\. Major Burns![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) Third degree (i.e. full thickness skin destruction) burns covering at least twenty percent (20%) of the total body surface area.The condition should be confirmed by a Consultant Physician. Burns arising due to self-infliction are excluded. 34\. Aplastic Anaemia![](https://www.iciciprulife.com/content/dam/icicipru/components/health-plan-popup/icon_expand.png) Irreversible persistent bone marrow failure which results in anaemia, neutropenia and thrombocytopenia requiring treatment with at least two (2) of the following:(a)Blood product transfusion;(b)Marrow stimulating agents;(c)Immunosuppressive agents; or(d)Bone marrow transplantation.The Diagnosis of aplastic anaemia must be confirmed by a bone marrow biopsy. Two out of the following three values should be present:\-Absolute Neutrophil count of 500 per cubic millimetre or less;\-Absolute Reticulocyte count of 20,000 per cubic millimetre or less; and\-Platelet count of 20,000 per cubic millimetre or less. \* The CI Benefit for Angioplasty is subject to a maximum of Rs. 5,00,000. On payment of Angioplasty, if the CI Benefit is more than Rs. 5,00,000 the policy will continue for other CIs with CI Benefit reduced by Angioplasty payout and correspondingly Life cover reduced by the same amount. The future premiums payable for the residual CI Benefit and correspondingly reduced Life Cover will reduce proportionately. Terms and Conditions Waiting period for Critical Illness Benefit: 1\.The benefit shall not apply or be payable in respect of any Critical Illness of which the symptoms have occurred or for which care, treatment, or advice was recommended by or received from a Physician, or which first manifested itself or was contracted during the first six months from the Policy issue date or 3 months from the policy reinstatement date where the policy has lapsed for more than 3 months. 2\.In the event of occurrence of any of the scenarios mentioned above, or in case of a death claim, where it is established that the Life Assured was diagnosed to have any one of the covered critical illness during the waiting period for which a critical illness claim could have been made, the Company will refund all premiums paid from risk commencement date of the policy or from the date of reinstatement as applicable and the policy will terminate. 3\.No waiting period applies where Critical Illness is due to accident. Exclusions for Critical Illness Benefit: No CI benefit will be payable in respect of any listed condition arising directly or indirectly from, though, in consequence of or aggravated by any of the following: 1\.Pre-Existing Conditions or conditions connected to a Pre-Existing Condition will be excluded. Pre-Existing is any condition for which the Life Assured had signs, or symptoms, and/ or were diagnosed, and / or received medical advice / treatment within 48 months to prior to the first policy issued by the Company will be excluded. 2\.Existence of any Sexually Transmitted Disease (STD) and its related complications or Acquired Immune Deficiency Syndrome (AIDS) or the presence of any Human Immuno-deficiency Virus (HIV) 3\.Self-inflicted injury, suicide, insanity and deliberate participation of the life insured in an illegal or criminal act. 4\.Use of intoxicating drugs / alcohol / solvent, taking of drugs except under the direction of a qualified medical practitioner. 5\.War – whether declared or not, civil commotion, breach of law with criminal intent, invasion, hostilities (whether war is declared or not), rebellion, revolution, military or usurped power or wilful participation in acts of violence. 6\.Aviation other than as a fare paying passenger or crew in a commercial licensed aircraft. 7\.Taking part in any act of a criminal nature. 8\.Treatment for injury or illness caused by avocations / activities such as hunting, mountaineering, steeple-chasing, professional sports, racing of any kind, scuba diving, aerial sports, activities such as hand-gliding, ballooning, deliberate exposure to exceptional danger. 9\.Radioactive contamination due to nuclear accident. 10\.Failure to seek or follow medical advice, the Life assured has delayed medical treatment in order to circumvent the waiting period or other conditions and restriction applying to this policy. 11\.Any treatment of a donor for the replacement of an organ. 12\.A congenital condition of the insured.
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