Personalised proposal for securing your life goals

with

Hi
Congratulations on taking the first step of securing
future of your loved ones with guaranteed income
and a life insurance cover.

Please go through the details of your quote and

contact your advisor who will assist you to
purchase this plan.
 Snapshot of your plan

You pay
Yearly premium ` 1,00,000/-
for 10 years.
36 years / Male
May 26, 2025 May 26, 2034

May 26, 2037 May 26, 2046

You get:

Guaranteed Income of Life Insurance Cover of

` 1,78,897/- ` 10,00,000/- *
every year starting from for entire policy term of 11 years
May 2037 to May 2046

*This is the minimum life insurance cover available under the product

Benefit Benefit term Benefit amount

Guaranteed Income 10 years ` 17,88,970/-

Starting from 12th year of policy Yearly 1,78,897/- X 10 years

Life Insurance Cover 11 years ` 10,00,000/- *

Total premium paid ` 10,00,000/-

The dates mentioned in the illustration throughout the document are only indicative. The Guaranteed Income mentioned here is an indicative amount
based on the date on which you applied for this policy. The exact income will be as per the date of issuance of your policy and is specified in the Policy
Certificate attached in your welcome kit.
Tax benefits as per prevailing tax laws.
 Snapshot of Additional Coverage

You have made the right choice by enhancing your financial protection
with extra safety net of additional coverage.

Waiver of all future premiums if the life assured of the

base policy is totally and permanently disabled due to
accident or diagnosed with covered critical illnesses any
time during the premium payment term. Here the life
assured of base policy refers to . This ensures that your
savings goal remains protected even if you are unable to
pay future premiums.
 Detailed break-up of premium amount

Yearly Applicable Total

Premium taxes amount
Instalment Premium ` 1,00,000/- ` 4,501/- ` 1,06,221/-
for 1st year
Rider Premium
` 1,458/- ` 262/- ` 1,720/-
for 1st year
Total Premium
` 1,01,458/- ` 4,763/- ` 1,06,221/-
for 1st year
Instalment Premium
` 1,00,000/- ` 2,251/- ` 1,03,971/-
from 2nd year onwards
Rider Premium
` 1,458/- ` 262/- ` 1,720/-
from 2nd year onwards
Total Premium
` 1,01,458/- ` 2,513/- ` 1,03,971/-
from 2nd year onwards

Why choose us:

9.17 Cr ` 3.24 Lakh Cr

Lives covered as on Benefits paid till
March 31, 2025 March 31, 2025

24 hrs claim settlement

` 3.09 Lakh Cr
Quick claim settlement
Assets under management as on
March 31, 2025 process available

Tax Saving
Get tax benefits on premium
paid & benefits

ICICI Prudential Life Insurance Company. IRDAI Regn No. 105. CIN:L66010MH2000PLC127837.
ICICI Prudential Life Insurance Company Limited. Registered Address:1089 Appasaheb Marathe Marg, Prabhadevi, Mumbai - 400025. ICICI Pru Guaranteed
Income For Tomorrow UIN: 105N182V11. ICICI Pru Non-Linked Accidental Death and Disability Rider UIN: . ICICI Pru Waiver of Premium
105B042V02
Rider UIN: . For more details on the risk factors, term & conditions please read the policy document. COMP/DOC/Mar/2022/213/7686.
105B044V02
 Benefit Illustration of ICICI Pru Guaranteed Income For
Tomorrow

Name of the Prospect/Policyholder : Mr. Name of the Product : ICICI Pru Guaranteed Income
For Tomorrow
Age of the Policyholder : 26-May-1989 (36 years) Tag Line : A Non-Participating Non-Linked
Life Individual Savings Product
Gender of the Policyholder : MALE
Name of the Life Assured : Mr. Unique Identification No. : 105N182V11
Age of the Life Assured : 26-May-1989 (36 years) GST Rate for Year 1 : 4.5%
Gender of the Life Assured : MALE GST Rate For Year 2 Onwards : 2.25%
Policy Term : 11 Years Sales Channel : Agency
Premium Payment Term : 10 Years
Annualised Premium (without GST) : Rs. 100,000/-
Frequency of Premium Payment : Yearly

This benefit illustration is intended to show year-wise premiums payable and benefits under the policy

Policy Details
Policy Option (Plan Option Income Guaranteed Income : Rs. 178,897
selected by You)
Sum Assured on Death (at Rs. 1,000,000 Frequency of Guaranteed Income: Yearly
inception of the policy) :
Option of Save the Date selected No Income Period: 10 years
(Yes/No) :

Premium Summary
Base Plan ICICI Pru Non-Linked ICICI Pru Non-Linked ICICI Pru Non-Linked Total Instalment
Accidental Death and Accidental Death and Waiver of Premium Premium
Disability Rider Disability Rider Rider (Critical Illness &
(Accidental Death (Accidental Total & Accidental Disability
Benefit option) Permanent Disability option)
Benefit option)
Instalment Premium without GST Rs. 100,000/- - - Rs. 1,458/- Rs 101,458/-
Instalment Premium with First Year GST Rs. 104,501/- - - Rs. 1,720/- Rs. 106,221/-
Instalment Premium with GST 2nd year onwards Rs. 102,251/- - - Rs. 1,720/- Rs. 103,971/-
*Please refer to the details of Rider attached with this document for more information.

Policy Year Annualised premium Guaranteed Benefits Non-Guaranteed

Benefit
Maturity Benefit Death Benefit Guaranteed Special Surrender Surrender value
Surrender Value Value (SSV) payable
(GSV)
1 100,000 0 1,000,000 15,000 57,466 57,466
2 100,000 0 1,000,000 60,000 123,601 123,601
3 100,000 0 1,000,000 105,000 199,397 199,397
4 100,000 0 1,000,000 200,000 285,953 285,953
5 100,000 0 1,000,000 250,000 384,477 384,477
6 100,000 0 1,000,000 300,000 496,306 496,306
7 100,000 0 1,000,000 350,000 622,915 622,915
8 100,000 0 1,000,000 506,640 765,931 765,931
9 100,000 0 1,000,000 690,030 927,156 927,156
10 100,000 0 1,108,574 900,000 1,108,574 1,108,574
11 0 0 1,193,083 900,000 1,193,083 1,193,083
12 0 178,897 0 0 0 0
13 0 178,897 0 0 0 0
14 0 178,897 0 0 0 0
15 0 178,897 0 0 0 0
16 0 178,897 0 0 0 0
17 0 178,897 0 0 0 0
18 0 178,897 0 0 0 0
19 0 178,897 0 0 0 0
20 0 178,897 0 0 0 0
21 0 178,897 0 0 0 0

Note: Annualised Premium excludes underwriting extra premium, frequency loadings on premiums, the premiums paid towards the riders, if any,
Goods and Service Tax.

Disclaimers
===========
1. In case of death of the Life Assured during Income Period, the Claimant shall continue to receive the benefits as and
when due.
2. The Claimant shall also have an option to receive future benefits as a lump sum benefit which will be the present value
of future payouts. Please refer the policy document for more [Link] Maturity Benefit (Guaranteed Income),
Surrender Values and Death Benefit mentioned above are illustrated assuming that the event occurs at the end of the
year.
3. The surrender values may be different than those illustrated above on account of multiple factors such as surrender
taking place before the end of the policy year, non-payment of all the instalment premiums payable in that policy year,
etc. The policyholder is advised to check the surrender value payable with the company before surrendering.
4. Please refer to your sales brochure and policy document for more details.

I, __________________________________(Name), have explained I, ______________________________(Name), having received the

the premiums, and benefits under the policy fully to the information with respect to the above, have understood the
prospect / policyholder. above statement before entering into the contract.
Company Seal:
Place: Place:
Date: Signature of Agent / Intermediary / Official Date: Signature of Prospect / Policyholder
of the Insurer

ICICI Prudential Life Insurance Company Limited.

1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai - 400025
Email: lifeline@[Link]
[Link]
 Rider Details

Name of the Policyholder : Mr.

Age of the Policyholder at Rider policy : 26-May-1989 (36 years)
inception
Name of the Life Assured : Mr.
Age of the Life Assured at Rider policy : 26-May-1989 (36 years)
inception
Gender of the Life Assured : MALE
Name of the product : ICICI Pru Guaranteed Income
For Tomorrow

Rider Details
Rider Name and Rider option Rider Tagline Rider Sum Instalment GST Instalment Frequency Premium Coverage /
UIN Assured Premium without Rate Premium with GST of premium Payment Rider Term
GST and Cesses, if any payment Term
ICICI Pru Non- Health option A Non–Participating Rs. 100,000/- Rs. 1,458/- 18% Rs. 1,720/- Yearly 10 years 10 years
Linked Waiver of Non–Linked Health
Premium Rider Individual Pure Risk
(105B044V02) Rider
 CUSTOMER INFORMATION SHEET/KNOW YOUR POLICY
This document provides key information about your policy. You are also advised to
go through your policy document.

Sl Title Description Policy Clause

No Number
(Please refer to applicable Policy Clause
Number in next column)
1 Name of Insurance Policy schedule
Product and Unique ICICI Pru Guaranteed Income For Tomorrow
Identification Number
UIN: 105N182V11
(UIN)
2 Policy Policy schedule
number/Application
number
3 Type of Insurance A Non-Participating Non-Linked Life IndividualPolicy schedule
Policy Savings Product

4 Basic Policy details Premium Instalment (in ₹) : 1,00,000/- Policy schedule

Sum Assured on Death (in Rs):
10,00,000/-
Premium Payment frequency: Yearly
Premium payment term : 10 years
Policy term : 11 years
5 Policy Benefits payable on Maturity- Part C-Clause
Coverage/benefits On survival of the life assured till the date of 1,2,
payable maturity provided all due premiums have been Part D -Clause
paid, a maturity benefit will be payable in 2
accordance to plan option chosen at the time of
inception.
For more information, refer to Part C, Clause 2
of policy document.

Benefits payable on death-

On death of the Life Assured during the policy
term, for a premium paying or fully paid policy,
Death Benefit shall be payable to the Claimant.
Death Benefit to the Claimant shall be in
accordance to the plan chosen by You at
inception.

For more information, refer to Part C, Clause 1

of policy document.

Surrender benefits-
You can Surrender the policy any time after
payment of at least one full year’s Premiums.
 Prior to receipt of one full year’s premium, no
surrender value is payable. On policy surrender,
a Surrender Value equal to the higher of the
following will be payable:
•Guaranteed Surrender Value (GSV)
•Special Surrender Value (SSV)
For more information related to surrender, refer
to Part D, Clause 2 of policy document.

Survival Benefits is applicable according to the

plan variant chosen at the time of policy
inception.
For more information on survival benefit, refer
to Part C, clause 2

Options to policyholders for availing benefits, if

any, covered under the policy- Not applicable

Other benefits/options payable, specific to the

policy, if any- Not applicable.
6 Options available (in Not applicable
case of Linked
Insurance Products)
7 Option available (in Not applicable
case of Annuity
product)
8 Riders opted, if any Rider schedule
ICICI Pru Linked Waiver of Premium Rider
and policy
schedule

Critical Illness & Accidental Disability option

Exclusions (events Suicide: Part F, Clause

9
where insurance If the Life Assured whether sane or insane, 11
coverage is not commits suicide within 12 months from the
payable), if any date of commencement of risk under the policy
or from the date of revival of the policy, as
applicable, the Claimant shall be entitled to at
least 80% of total premiums paid till the date of
death or the Surrender Value available as on
the date of death whichever is higher, provided
the policy is in force.
The policy will terminate on making such a
payment and all rights, benefits and interests
under the policy will stand extinguished.

For more information, refer to Part F, Clause 11

of policy document
10 Waiting /lien Period, if Not Applicable
any
11 Grace Period 15 days-For monthly frequency of premium Part C-Clause 5
payment
30 days- For other frequencies of premium
payment
The grace period is not applicable for a Single
Pay policies.
For more information, refer to Part C, Clause 5
of policy document
12 Free Look Period 30 days Part D -Clause
1
For more information, refer to Part D, Clause 1
of policy document
13 Lapse, paid-up and Lapse: The policy shall lapse if Part C-Clause 3
revival of the Policy premium payment is discontinued by You Part D -Clause
before one full years' premium has been paid 4,5
and all benefits shall extinguish. If the
policy is not revived within the revival period,
then the policy shall foreclose and all rights
and benefits under the policy shall stand
extinguished.

For more details, refer to Part D, clause 5 of

policy document

Paid up: If premium payment is discontinued,

before the end of the Premium Payment Term
but after one full years' premium is paid,
the policy can continue as a paid-up policy
with reduced benefits. This is not
applicable for Single pay policies.

Reduced benefit will depend on the plan

variant chosen at the time of inception.

For more details, refer to Part C , C lause 3 of

policy document

Revival: A Policy which has

discontinued payment of Premium may be
revived subject to underwriting and the
following conditions: The application for
revival is made within 5 years from the
due date of the first unpaid premium and
before the termination date of the Policy.
Revival will be based on the prevailing
Company policy.

For more details, refer to Part D, C lause 4 of

 policy document

14 Policy Loan, if Loans are available provided a positive Part D -Clause

applicable surrender value is payable under the policy at 3
the time of disbursement of the same.
Loan amount of up to 80% of Surrender
Value can be availed.

For more information, refer to Part D, Clause 3

of policy document
15 Claims/Claims Turn around Time – For TAT details for death Part F-Clause
Procedure claim refer to 10
[Link]
[Link]

For any assistance on Claims, you can call Us

on 18002660 (for calls within India) or +91
8069385555 (for calls outside India). You can
also register a health or a death claim by
 sending us an email at
claimsupport@[Link]

The claim form can be downloaded from the

following links:
Digital Claim Form Link:
[Link]
[Link]?execution=e2s1

Physical Claim Form Link:

[Link]
library/life-insurance-claims-related-
[Link]#linked_content

For information on documents required to

process claims, please refer to the policy
document (Part F, Clause 10) under the
section ‘Specimen Policy Document’ available
on our website at
[Link]
[Link]
16 Policy Servicing Turn around Time – For TAT details for policy Part G
servicing - refer to
[Link]
[Link]

For any clarification or assistance, You may

contact Our advisor or call Our customer
service representative (between 10.00 a.m. to
7.00 p.m, Monday to Saturday; excluding
national holidays) on 18002660 or visit Our
website: [Link].
Alternatively, You may communicate with Us
at any of our branches or the customer service
helpline number 18002660 or email at
lifeline@[Link]. For updated contact
details, We request You to regularly check Our
website.
17 Grievances /Complaints i. Grievance Redressal Officer: Part G

If You do not receive any resolution from Us or

if You are not satisfied with Our resolution, You
may get in touch with Our designated
grievance redressal officer (GRO) at
gro@[Link] or 18002660.

Address: ICICI Prudential Life Insurance

Company Limited,
Ground Floor & Upper Basement,
 Unit No. 1A & 2A, Raheja Tipco Plaza,
Rani Sati Marg, Malad (East),
Mumbai-400097

For more details please refer to the “Grievance

Redressal” section on [Link].

IRDAI/(IGMS/Call Centre):
If you are not satisfied with the response or do
not receive a response from us within 15 days,
you may approach the Grievance Cell of the
Insurance Regulatory and Development
Authority of India (IRDAI) on the following
contact details:
IRDAI Grievance Call Centre (IGCC) TOLL FREE
NO: 155255 (or) 1800 4254 732
Email ID: complaints@[Link]

You can also register your complaint online at

[Link]
Address for communication for complaints by
fax/paper:
Consumer Affairs Department
Insurance Regulatory and Development
Authority of India
Survey No. 115/1, Financial District,
Nanakramguda, Gachibowli,
Hyderabad, Telangana State – 500032

Ombudsman list: Please refer to the policy

document (Part G) under the section under the
‘Specimen Policy Document’ available at
[Link]
[Link]

This is subject to change from time to time.

Refer
[Link]
[Link] for more details
Note: In case of any conflict, the terms and conditions mentioned in the policy
document shall prevail.

Declaration by the Policyholder

I have read the above and confirm having noted the details.

Place: (Signature of the Policyholder)

Date
 CUSTOMER INFORMATION SHEET/KNOW YOUR POLICY
This document provides key information about your policy. You are also advised to
go through your policy document.

Sl Title Description Policy

No Clause
Number
1 Name of Insurance ICICI Pru Non-Linked Waiver of Premium Rider Schedule
Product/Policy Rider

Benefit Option: Health Option

2 Policy Number / Rider Schedule
Application Number
3 Type of Insurance Benefit Rider Schedule
Product/ Policy A Non-Participating Non- Linked Health
Individual Pure Risk Rider
4 Sum Insured (Basis) Sum Assured (in ₹): 1,00,000/- Rider Schedule
(Along with amount)
5 Policy Coverage A. This WoP Rider can be attached to Part C, Clause
(What the policy Your Base Policy or other Subsisting A
covers?) Rider(s) if any. Depending on the
manner of attachment, the following
benefit is applicable on the
occurrence of the contingent event:
a. If attached with the Base
Policy: all future premiums
payable under the Base Policy
including any Underwriting
Extra Premiums will be waived
off;
b. If attached with Subsisting
Rider(s) if any: all future
premiums payable under the
Subsisting Rider(s) including
any Underwriting Extra
Premiums shall be waived off.

B. The Rider benefit will be applicable on

the first occurrence of the event of:
Accidental Total and Permanent
Disability of the Life Assured named
under the WoP rider.
Or,
Diagnosis with any of the covered
Critical Illnesses.

C. Accidental Total and Permanent

Disability (ATPD): The Rider Benefit
will be applicable if the Life Assured
named under the WoP rider has
become totally, continuously and
permanently disabled as a result of an
Accident i.e. Accidental Total
Permanent Disability and should
mandatorily satisfy at least one
condition outlined within the following
three conditions:
Condition 1:
The Life Assured named under the
WoP rider suffers any of the following
disabilities due to an Injury/Accident
due to which there is total and
irrecoverable disability:
 Loss of Use of at least two
limbs
 Loss of Sight of both eyes
 Loss of hearing and loss of
speech
 Loss of Use of four fingers
and Thumb of both hands
 Loss of Use of one limb and
sight of one eye
 Loss of Use of one limb and
hearing
 Loss of Use of one limb and
speech
 Loss of sight of one eye and
speech
 Loss of sight of one eye and
hearing
 Loss by severance of two or
more limbs at or above
wrists or ankles
 Loss by severance of four
Fingers and Thumb of both
hands
 Loss by severance of one
limb and sight of one eye
 Loss by severance of one
limb and hearing
 Loss by severance of one
limb and speech

The loss of sight, loss of

hearing and loss of speech are
defined as follows:

1. Loss of sight means total,

permanent and irreversible
loss of all vision in at least
one eye as a result of
accident.
a. The Blindness is
evidenced by:
i. Corrected visual
acuity being 3/60 or
less in at least one
eye or;
ii. The field of vision
being less than 10
degrees in at least
one eye; and
b. The diagnosis of
blindness must be
confirmed and must not
be correctable by aids or
surgical procedure.

2. Loss of hearing means total

and irreversible loss of
hearing in both ears as a
result of accident. This
diagnosis must be
supported by pure tone
audiogram test and
certified by an Ear, Nose
and Throat (ENT)
specialist. Total means “the
loss of hearing to the extent
that the loss is greater than
90 decibels across all
frequencies of hearing” in
both ears.

3. Loss of speech means total

and irrecoverable loss of
the ability to speak as a
result of Injury to the vocal
cords due to an Accident.
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, Throat
(ENT) specialist.

Or,
 Condition 2:
The Life Assured named under
the WoP rider must be totally
incapable of being employed
or engaged in any work or any
occupation whatsoever for
remuneration or profit.

Or,

Condition 3:
The Life Assured named under
the WoP rider must be unable
to perform (whether aided or
unaided) at least 3 of the
following 6 “Activities of Daily
Work”:
a. Mobility: The ability to walk
a distance of 200 meters on
flat ground.
b. Bending: The ability to bend
or kneel to touch the floor
and straighten up again
and the ability to get into a
standard saloon car, and
out again.
c. Climbing: The ability to
climb up a flight of 12 stairs
and down again, using the
handrail if needed.
d. Lifting: The ability to pick up
an object weighing 2kg at
table height and hold for 60
seconds before replacing
the object on the table.
e. Writing: The manual
dexterity to write legibly
using a pen or pencil, or type
using a desktop personal
computer keyboard.
f. Blindness: permanent and
irreversible – Permanent
and irreversible loss of sight
to the extent that even
when tested with the use of
visual aids, vision is
measured at 3/60 or worse
in the better eye using a
Snellen eye chart.

D. In addition to the aforementioned

conditions, in order for the Rider
Benefit to be applicable for
Accidental Total Permanent
Disability following additional
conditions shall have to be satisfied:
a) Accidental Total
Permanent Disability
must be caused within
180 days from the date of
Accident. Accidental Total
and Permanent Disability
will be applicable if the
Accident occurs within
the Rider Term set under
the benefit option, but
disability occurs beyond
the Rider Term (however
within 180 days from date
of the Accident).
b) The disabilities as stated
above must have
continuously lasted,
without interruption, for
at least 180 days and
must in the opinion of a
Medical Practitioner, be
deemed permanent.
These disabilities, as
stated above, must also
be verified by a Medical
Practitioner appointed by
the company. However,
for the disabilities
mentioned in condition 1
under sub points j to n (i.e.,
physical severance), such
180 days period would
not be applicable.
c) The Company shall not be
liable to pay the benefit, in
the event of the
Accidental Total and
Permanent Disability of
the Life Assured named
under the WoP rider
occurs after 180 days
from the date of Accident.
d) The WoP rider must be in
force at the time of
 Accident.

E. Critical Illness (CI): The Rider Benefit

will be applicable on the Life Assured
named under the WoP rider being
diagnosed with any of the covered
critical illnesses within the Rider Term
by a Medical Practitioner. List of CIs
covered are as follows:
 Cancer of Specified
Severity
 Myocardial Infarction or
First Heart Attack of
Specified Severity
 Open Chest CABG
 Stroke resulting in
permanent symptoms.
 Kidney Failure Requiring
Regular Dialysis
 Major Organ/ Bone Marrow
Transplant
 Multiple Sclerosis with
Persisting Symptoms
 Alzheimer's Disease
 Heart Valve Surgery (Open
Heart Replacement or
Repair of Heart Valves)
 Apallic Syndrome
 Benign Brain Tumour
 Brain Surgery
 Coma of Specified Severity
 Major Head Trauma
 Major Burns
6 Exclusions 1. For Accidental Total Permanent Part C, Clause
Disability, following exclusions shall B
(what the policy apply:
a. Disability arising out of a Pre-existing
does not cover)
Disease or any complication arising
therefrom. Pre-existing Disease
means any condition, aliment, Injury
or disease:
i. That is/are diagnosed by a
physician not more than 36
months prior to the Date of
Commencement of Risk of the
benefit option issued or its date
of reinstatement; or
 ii. For which medical advice or
treatment was recommended
by, or received from, a
Physician not more than 36
months Prior to the Date of
Commencement of Risk of the
benefit option issued or its date
of reinstatement.
Coverage under this Rider after the
expiry of 36 months for any pre-
existing disease is subject to the
same being declared at the time of
application and specifically accepted
by the Company.
b. Disability caused due to attempted
suicide, intentional self-inflicted Injury
or acts of self-destruction.
c. Disability caused due to any
congenital external diseases, defects,
or anomalies or in consequence
thereof.
d. Disability caused by or arising from
bacterial / viral infections (except
pyogenic infection which occurs
through an Accidental cut or wound)
e. Disability arising out of or attributable
to foreign invasion, act of foreign
enemies, hostilities, warlike
operations (whether war be declared
or not or while performing duties in
the armed forces of any country
during war or at peace time),
participation in any naval, military or
air-force operation, civil war, riot,
public defense, rebellion, revolution,
insurrection, military or usurped
power.
f. Disability caused by treatment
directly arising from or consequent
upon any Life Assured named under
the WoP rider committing or
attempting to commit a breach of law
with criminal intent.
g. Disability caused by alcohol or solvent
abuse or taking of drugs, narcotics or
psychotropic substances unless taken
 in accordance with the lawful
directions and prescription of a
registered Medical Practitioner.
h. Disability caused by participation of
the Life Assured named under the
WoP rider in any flying activity, except
as a bona fide, fare-paying passenger
of a recognized airline on regular
routes and on a scheduled timetable.
i. Disability of the Life Assured named
under the WoP rider whilst engaging
in a speed contest or racing of any
kind (other than on foot), bungee
jumping, parasailing, ballooning,
parachuting, skydiving, paragliding,
hang gliding, mountain or rock
climbing necessitating the use of
guides or ropes, potholing, abseiling,
deep sea diving using hard helmet
and breathing apparatus, polo, snow
and ice sports in so far as they involve
the training for or participation in
competitions or professional sports, or
involving a naval, military or air force
operation.
j. Disability caused by engaging in
hazardous sports / pastimes, i.e.,
taking part in (or practicing for)
boxing, caving, climbing, horse racing,
jet skiing, martial arts,
mountaineering, off piste skiing, pot
holing, power boat racing,
underwater diving, yacht racing or
any race, trial or timed motor sport.
k. Disability arising from or caused by
ionizing radiation or contamination by
radioactivity from any nuclear fuel
(explosive or hazardous form) or
resulting from or from any other cause
or event contributing concurrently or
in any other sequence to the loss,
claim or expense from any nuclear
waste from the combustion of nuclear
fuel, nuclear, chemical or biological
attack.
i. Chemical attack or weapons
 means the emission, discharge,
dispersal, release or escape of
any solid, liquid or gaseous
chemical compound which,
when suitably distributed, is
capable of causing any Illness,
incapacitating disablement or
death.
ii. Biological attack or weapons
means the emission, discharge,
dispersal, release or escape of
any pathogenic (disease
producing) microorganisms
and/or biologically produced
toxins (including genetically
modified organisms and
chemically synthesized toxins)
which are capable of causing
any Illness, incapacitating
disablement or death.
l. Certification by a Medical Practitioner
who is either the insured person(s)
himself or related to the insured
person(s) by blood or marriage or
shares the same residence as the Life
Assured.

2. Exclusions for Critical Illness cover:

The Rider Benefit shall not be
applicable for any listed Critical
Illness conditions arising directly or
indirectly from, though, in
consequence of or aggravated by
any of the following:
a) Pre-Existing Diseases or
conditions connected to a Pre-
Existing Condition will be
excluded. Pre-existing Disease
means any condition, ailment,
Injury or disease:
i. that is/are diagnosed by a
physician not more than 36
months prior to the effective
date of the policy issued by
the Company or its
reinstatement or
 ii. For which medical advice or
treatment was
recommended by, or
received from, a physician
not more than 36 months
prior to the effective date of
the policy or its
reinstatement.
b) Existence of any Sexually
Transmitted Disease (STD) and
its related complications.
c) Self-inflicted Injury, suicide,
insanity and deliberate
participation of the Life Assured
in an illegal or criminal act with
criminal intent.
d) Use of intoxicating drugs /
alcohol / solvent, taking of drugs
except under the direction of a
qualified Medical Practitioner.
e) 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 willful participation in
acts of violence.
f) Aviation other than as a fare
paying passenger or crew in a
commercial licensed aircraft.
g) Taking part in any act of a
criminal nature with criminal
intent.
h) 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.
i) Radioactive contamination due
to nuclear accident.
 j) Failure to seek or follow medical
advice, the Life assured named
under the WoP rider has
delayed medical treatment in
order to circumvent the waiting
period or other conditions and
restriction applying to this
policy.
k) Any treatment of a donor for the
replacement of an organ.
l) Any illness due to a congenital
defect or disease which has
manifested or was diagnosed
before the Insured attains aged 17.
7 Waiting period a. The benefit shall not apply in respect
of any Critical Illness 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 Date of
Commencement of Risk or 3 months
from the Rider revival date where the
WoP rider has lapsed for more than 3
months.
b. No waiting period applies where
Critical Illness is due to Accident.
8 Financial limits of Not Applicable
coverage
9 Claims / Claims Turn around Time – For TAT details for Part F, Clause
Procedure death claim refer to 9
[Link]
us/[Link]

For any assistance on Claims, you can

call Us on 1800-2660 (for calls within
India) or +91 8069385555 (for calls
outside India). You can also register a
health or a death claim by sending us an
email a
claimsupport@[Link]

The claim form can be downloaded from

the following links:
 Digital Claim Form Link:
[Link]
[Link]?execution=e2s1

Physical Claim Form Link:

[Link]
library/life-insurance-claims-related-
[Link]#linked_content

For information on documents required to

process claims, please refer to the policy
document (Part F, Clause 10) under the
section ‘Specimen Policy Document’
available on our website at
[Link]
[Link]

10 Policy Servicing Turn around Time – For TAT details for Part G , Clause
policy servicing - refer to 1
[Link]
us/[Link]

For any clarification or assistance, You

may contact Our advisor or call Our
customer service representative (between
10.00 a.m. to 7.00 p.m, Monday to
Saturday; excluding national holidays) on
1800-2660or visit Our website:
[Link].
Alternatively, You may communicate with
Us at any of our branches or the customer
service helpline number 1800-2660 or
email at lifeline@[Link]. For
updated contact details, We request You
to regularly check Our website.
11 Grievances/Complaint Grievance Redressal Officer:
s

If You do not receive any resolution from

Us or if You are not satisfied with Our
resolution, You may get in touch with Our
designated grievance redressal officer
(GRO) at gro@[Link] or
18002660

Address: ICICI Prudential Life Insurance

Company Limited,
Ground Floor & Upper Basement,
Unit No. 1A & 2A, Raheja Tipco Plaza,
Rani Sati Marg, Malad (East),
Mumbai-400097

The concerns of senior citizens will be

resolved on priority ensuring there is a
speedy disposal of the grievances.

For more details please refer to the

“Grievance Redressal” section on
[Link].

 IRDAI/(IGMS/Call Centre):
If you are not satisfied with the
response or do not receive a response
from us within 15 days, you may
approach the Grievance Cell of the
Insurance Regulatory and
Development Authority of India
(IRDAI) on the following contact
details:
IRDAI Grievance Call Centre (IGCC)
TOLL FREE NO: 155255 (or) 1800
4254 732
Email ID: complaints@[Link]

You can also register your complaint

online at [Link]
Address for communication for
complaints by fax/paper:
Consumer Affairs Department
 Insurance Regulatory and
Development Authority of India
Survey No. 115/1, Financial District,
Nanakramguda, Gachibowli,
Hyderabad, Telangana State –
500032

Ombudsman list: Please refer to the policy

document (Part G) under the section under
the ‘Specimen Policy Document’ available
at
[Link]
[Link]

This is subject to change from time

time. Refer
[Link]
[Link]

for more details.

12 Things to Remember Free Look: 30 days Part D, Clause
1
For more information, refer to Part D,
Clause 1 of policy document

13 Insured’s Obligations Please disclose all pre-existing disease/s

or condition/s before buying a policy. Non-
disclosure may affect the claim
settlement.
Material information includes:
Age, Gender, Education, Income, Occupation
Nationality & country of residence, Question
on criminal charges, Avocation/dangerous
hobbies, Address, Details of existing &
applied insurance policies with other
companies & terms of acceptance , Personal
details like habits, Height & weight and
Health Questions
Note: In case of any conflict, the terms and conditions mentioned in the policy
document shall prevail.

Declaration by the Policyholder

I have read the above and confirm having noted the details.

Place: (Signature of the Policyholder)

Date