Life Insurance

Terms and Conditions apply. The values shown are for representation purposes only. Actuals may differ.

*The premium has been calculated for a 30 year old healthy male for a life cover of ₹50 lakhs and an accelerated Critical Illness cover of ₹10 lakhs under ICICI Pru iProtect Smart – Life & Health option for a policy term of 20 years, for regular income payout option and is exclusive of all taxes. The annual premium rate is ₹5,787 (exclusive of all taxes)

*The above example is for a 40 year old healthy male for ICICI Pru Heart/Cancer Protect for all the benefits chosen. (i.e hospital,Income,Increasing Cover or ALL) with health insurance cover of Rs. 50 lakh (Rs. 25 lakh heart cover + Rs. 25 lakh cancer cover) for a 20 year policy term and is exclusive of all taxes. In case of yearly premium frequency, the total premium will be Rs. 31,989 (exclusive of all taxes)

^#The critical illness benefit is an accelerated benefit and the death benefit will be reduced by the critical illness cover paid to the policyholder. To know more about the illnesses covered, please refer to the sales brochure. This is only available in Life & Health and All in One options.

⁺This benefit is only available under Life Plus & All-in-one options

¹Tax benefit of Rs 54,075 is calculated at highest tax slab rate of 30.9% (including Cess) on insurance premium u/s 80C/80CCC of Rs 1,50,000 and health premium u/s 80D of Rs 25,000. Tax benefits under the policy are subject to conditions under Sec. 80C, 80D and Sec 10(10D) of the Income Tax Act, 1961. Goods & Services Tax and Cesses, if any, will be charged extra as per prevailing rates. Tax laws are subject to amendments from time to time.

~Doctors document confirming diagnosis to be submitted.

**Tax benefit is calculated at highest tax slab rate of 30.9% (including Cess) on health premium of Rs 25,000 u/s 80D of the Income Tax Act, 1961.

^{Conditions Apply}Guaranteed benefits are payable subject to all due premiums being paid and the policy being in force. Your Guaranteed Maturity Benefit (GMB) will be set at policy inception and will depend on policy term, premium, premium payment term, Sum Assured and gender and may be lower than your Sum Assured. Guaranteed Additions (GAs) totaling 5% of GMB each year will accrue during the first five policy years if all due premiums are paid. GAs accrue on payment of due premium. Bonuses consist of vested reversionary bonuses, interim bonus and terminal bonus, if any (this is in addition to what is mentioned).

⁴Capital Guarantee will be available in terms of Assured Benefits, which is applicable only at maturity of the policy. Assured Benefits will be 101% of the sum of all premiums paid. There will be an additional charge of 0.50% p.a. and 0.10% p.a towards the investment guarantees for Easy Retirement Balanced Fund and Easy Retirement Secure Fund respectively, which will be adjusted from the NAV on daily basis.

²Tax benefits are subject to conditions of section 80C, 80CCC, 80D, 10(10D) and 10(10A) of the Income Tax Act, 1961 and are subject to amendments made thereto from time to time.

Goods & Services Tax and Cesses, if any, will be charged extra as per prevailing rates.

“This feature is only available under ICICI Pru iProtect Smart – Life Option

ICICI Prudential Life Insurance Company Limited. IRDAI Regn No. 105. CIN: L66010MH2000PLC127837

© 2016, ICICI Prudential Life Insurance Company Limited. Registered Address:- ICICI PruLife Towers, 1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai-400025. Insurance is the subject matter of the solicitation. For more details on the risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. Call us on 1-860-266-7766 (10am-7pm, Monday to Saturday, except national holidays and valid only for calls made from India) and on 91-22-6193-0777 (Valid for calls made from outside India) (10am-7pm (IST), Monday to Saturday, except national holidays). Tax benefits under the policy are subject to conditions u/s 80D of the Income Tax Act, 1961. Goods & Services Tax and Cesses, if any, will be charged extra as per prevailing rates. Tax laws are subject to amendments from time to time. Advt. No.: W/II/0071/2017-18

ICICI Bank Limited ("ICICI Bank") with registered office at ICICI Bank Tower, Near Chakli Circle, Old Padra Road, Vadodara, 390 007, Gujarat (CIN: L65190GJ1994PLC021012) is a corporate agent (Composite, IRDAI Regn No. : CA0112 valid till 31/03/2019) of ICICI Prudential Life Insurance Company Limited ("ICICI Prulife"). Insurance is underwritten by ICICI Prulife. Purchase by ICICI Bank’s customer of any insurance products is purely voluntary, and is not linked to availment of any other facility from ICICI Bank.

The products, services and benefits referred to herein are subject to terms and conditions governing them as specified by ICICI Prulife from time to time. ICICI Bank shall not be liable or responsible for any loss resulting from insurance company's products/ services.

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