ICICI Term Insurance Plans

The term of the policy should depend upon the retirement age. In India, the maximum number of individuals get retired at the age of 60 years. You should invest in a term plan to retirement age as you have no dependents and salary to submit premiums after retirement. For instance- If you purchase a policy at 35 years where you anticipate the retirement age to be 60 years. The policy term should be for 25 years.

Customers can report the company about their claim in the following ways-

• Filling online claim intimation form available at the company website
• Sending an SMS ICLAIMPolicy number to 56767
• Writing an email at lifeline@iciciprulife.com
• Calling at the company's helpline number- 18602667766.

Given here is a list of mandatory documents that must be submitted to the company at the time of initiating the claim-

• Claim intimation form duly filled and attested.
• Death certificate with photocopies issued by Local Municipal Corporation.
• Identity proof and address proof of the nominee who is claiming.
• Canceled cheque or the photocopy of passbook (of the nominee).

Photocopy as well as original proofs of:

• Medical records like diagnosis results, admission reports, death summary, etc.
• Medico-legal cause of Death Certificate.
• Medical attendant/ hospital certificate filled by the doctor.
• Certificate from employer (if salaried).

Photocopy as well as original proofs of:

• FIR/Punchnama/ Post Mortem report/ Inquest reports
• Driving license of the life insured ( if he/she is riding the vehicle when the accident took place). This requirement is valid if you have selected ‘Accident and Disability Benefit Rider'.

• Original policy certificates
• Claim intimation form present on the company website
• Attending Doctor's certificate
• Medical records (original as well as photocopies)

No. There is no maturity, paid-up value, or survival benefits offered under the ICICI Term plan.

Yes, death due to suicide is covered in this plan. If the death of the policyholder happens due to suicide within a year, the nominee or beneficiary of the policyholder shall be entitled to 80% of the premiums paid till the death, provided the policy is in force.

The plan covers 34 critical illnesses, namely

• Cancer of specified severity
• Angioplasty*
• First Heart Attack - of Specified Severity
• Open Heart Replacement or Repair of Heart Valves
• Surgery to aorta Heart and Artery Benefit
• Cardiomyopathy
• Primary Pulmonary hypertension
• Open Chest CABG
• Blindness
• Chronic Lung Disease
• Chronic liver disease Major Organ Benefit
• Kidney Failure Requiring Regular Dialysis
• Major Organ/ Bone Marrow Transplant
• Apallic Syndrome
• Benign Brain Tumour
• Brain Surgery
• Coma of specified Severity
• Major Head Trauma
• Permanent Paralysis of Limbs
• Stroke resulting in permanent symptoms Brain and Nervous System Benefit
• Alzheimer's disease
• Motor Neurone Disease with Permanent Symptoms
• Multiple Sclerosis with Persisting Symptoms
• Muscular Dystrophy
• Parkinson's disease
• Poliomyelitis
• Loss of Independent Existence
• Loss of Limbs
• Deafness
• Loss of Speech Others
• Medullary Cystic Disease
• Systematic lupus Eryth with Renal Involvement
• Major Burns
• Aplastic Anaemia

Yes, at any moment throughout the policy's lifetime, the policyholder can make changes in their ICICI Pru Term Incurance.

Yes, you can. By using ICICI Term Insurance Premium Calculator, you can calculate how much you need to pay for your ICICI Term Policy. ICICI Term Insurance Calculator