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Life Insurance

How to download insurance copy using policy number?

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1. For queries or complaints related to ICICI Lombard, you may contact ICICI Lombard on 18002098888 (Toll-Free) or write to customersupport@icicilombard.com. For more details, you may visit the ICICI Lombard website, www.icicilombard.com .

2. For queries or complaints related to ICICI Prulife, you may contact ICICI Prulife on 1800222020 (Toll-Free) or write to lifeline@iciciprulife.com.
For more details, you may visit the ICICI Prulife website, www.iciciprulife.com .

How can I pay my life insurance premium?

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You may pay your premium through Internet Banking/ Credit Card/ Debit Card. If you choose to set a Standing Instruction (SI) with your policy, the premium amount would be automatically debited from your account at the time of renewal.

To pay your renewal premium, please click here

Contact ICICI Pru Life Insurance

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For queries or complaints related to ICICI Prulife, you need to contact the ICICI Prulife team on 1800222020 (Toll-Free) or write to lifeline@iciciprulife.com. For more details, you may visit the ICICI Prulife website www.iciciprulife.com .

What is Critical Illness benefit?

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In addition to the benefits under the Life option, you are also covered for the Critical Illness (CI) benefit under Life and Health and All in One option. The CI benefit offers you coverage against 34 critical illnesses.

  • When a major illness strikes, it can place a huge burden on your family, not only because of the cost of medical care but also because you may not be able to work. To protect you against this, we will pay you the CI benefit, as a lump sum to meet your financial needs.
  • The benefit is payable irrespective of the actual expenses incurred by the policyholder. This benefit is payable on first occurrence of any of the covered 34 illnesses.
  • The CI benefit, is accelerated and not an additional benefit which means, the policy will continue with the Death benefit reduced by the extent of the CI benefit paid.
  • Premium payment on account of CI benefit will cease after payout of CI benefit and the future premiums payable under the policy for death benefit will reduce proportionately.
  • If CI benefit paid is equal to the Death benefit, the policy will terminate on payment of the CI benefit.
  • In case of incidences covered under accidental Permanent Disability as well as Cl, benefits shall be paid out under both the options

To get your quote for Critical Illness Benefit, please click here

What is Accidental Death benefit?

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In addition to the benefits under the ICICI Pru iProtect Smart - Life option, you are also covered for Accidental Death (AD) benefit under Life Plus and All in one option. In case of death due to an accident, your nominee/ legal heir will be paid AD benefit as per the payout option chosen by you and at any time, your beneficiary will have the option to convert all or some of his monthly income into a lump sum. This benefit ensures that you enhance your coverage significantly at very affordable rates. The policy will terminate on payment of these benefits.

To get your quote for Accidental Death Benefit, please click here

Will my premium keep increasing with my age?

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If you buy iProtect Smart today at say a monthly premium of Rs. 1000, and choose a term of 30 years; this premium would remain steady throughout the entire policy term.

How much life cover do I need?

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You should take a life cover of at least 15 times your annual income. You can get a life insurance cover basis your annual income at nominal premium rates. For self-employed individual income surrogates will be ITR of 3 years, for agriculturists Mandi receipt will act as income surrogates.

To calculate your ideal life cover, please click here

How much time does it take to settle a life insurance claim?

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Once a written intimation and all the required documents is received, it is assessed, settled and the decision is communicated within 12 calendar days.

Most of the pay-outs are transferred through electronic modes, to speed up the claim settlement process.

Turn Around Time Insurance Regulation and Development Authority of India (IRDAI) mandated timelines Raising Claim Requirements 15 Days Non-Early cases (cases where the claim is made after 3 years of taking the policy) 30 Days Early cases (cases where the claim is made within 3 years of taking the policy) 180 Days.

Why is life insurance essential for my family?

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It is important that we ensure the financial security of our family in case of an unfortunate event like death of the income earning member. We need to ensure that even in the absence of the main source of income the family is able tide over the financial stress and emergencies caused due the loss of the earning member which can be compensated to a large extent if the life assured has taken adequate Life Insurance cover. Also if one is not able to provide for their family in case a major illness strikes, the family will be protected against the expenses incurred on the treatment.

To know more, please click here

What is Critical Illness benefit offered under ICICI Pru iProtect Smart?

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i) In addition to the benefits under the Life option, you are also covered for the Critical Illness (CI) benefit under Life and Health and All in One option. The CI benefit offers you coverage against 34 critical illnesses.

ii) When a major illness strikes, it can place a huge burden on your family, not only because of the cost of medical care but also because you may not be able to work. To protect you against this, we will pay you the CI benefit, as a lump sum to meet your financial needs.

iii) The benefit is payable irrespective of the actual expenses incurred by the policyholder. This benefit is payable, on first occurrence of any of the covered 34 illnesses.

iv) The CI benefit, is accelerated and not an additional benefit which means, the policy will continue with the Death benefit reduced by the extent of the CI benefit paid.

v) Premium payment on account of CI benefit will cease after payout of CI benefit and the future premiums payable under the policy for death benefit will reduce proportionately.

vi) If CI benefit paid is equal to the Death benefit, the policy will terminate on payment of the CI benefit.

vii) In case of incidences covered under accidental Permanent Disability as well as Cl, benefits shall be paid out under both the options

What is the life insurance claim process?

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ICICI Prudential Life Insurance Co. Ltd has a 3-step claim process:

Step 1: Claim Reporting
You can report your claims online, at ICICI Prudential Life branches, central office, via SMS, e-mail or through their call centre as per your convenience. However, claims reported online, through SMS or e-mail will not be considered as intimation. Physical documents will be required to start the process.

Step 2: Claim Processing
ICICI Prudential Life’s special Claim Care team will assess your claim and inform you in case any further documents need to be submitted. Post receiving all the necessary documents, your claim request will be processes within 12 calendar days.

Step 3: Claim Settlement
Once your claim request is approved and all the relevant documents are received, ICICI Prudential Life will settle your claim

How do I update my PAN details in my life insurance policy?

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You can update your PAN details through any of the below mentioned modes:

  • Website: Visit www.iciciprulife.com, go to Contact Information and click on ‘Update your PAN’ icon
  • SMS: Type PANC and send to 56767 from your registered mobile number
  • E-mail: E-mail your PAN details and your policy number to lifeline@iciciprulife.com from your registered e-mail ID

How do I get to know my premium for iProtect Smart?

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Basis your age, gender and tobacco usage, your premium for the sum assured chosen by you can be calculated.

To get your quote, please click here

What all should I look for in a company before buying a life insurance plan?

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You can look for these 5 factors in a company before buying a life insurance plan

  • Company’s claim settlement ratio
  • Asset Under Management (AUM) which is an indicator of company’s financial health & consumer trust
  • Brand value of the company/reputation of the company
  • Company’s presence (geographical & digital)
  • Ease and convenience provided to the customer

To know more, please click here

Who is an appointee in life insurance?

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An appointee may be appointed to receive the policy proceeds in case of death of the life assured during the period that the nominee is a minor. The appointee should be a major person.

Can a minor be appointed as Nominee in life insurance?

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Yes. But when you are appointing a minor as your nominee, you will also have to appoint an appointee. The appointee should be a major person.

How do I communicate my concerns with respect to a life insurance claim decision?

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A Grievance Redressal Committee is chaired by an external member. You can communicate your concerns to this committee by sending a letter to the address given below:

Grievance Redressal Committee (Chaired by external member)
ICICI Prudential Life Insurance Company,
Raheja Tipco plaza,
Ranisati Marg,
Malad (East),
Mumbai – 400097

When will my nominee receive the amount in case of an unfortunate eventuality?

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Once the death claim documents are submitted; we try to ensure that the claims are settled on time.

ICICI Prudential Life has one of the highest claim settlement percentage in the 7 days period.

For customer it is important that in his/her absence the death benefits are paid to the nominee without any hassles as delay in claim settlement will add pain to their stress during the time of need.

To know more about our claim process, please click here

How can a life insurance claim be reported?

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To report your claim you can:

  • Visit the claims section of ICICI Prudential Life website – www.iciciprulife.com for online claim intimation
  • Call ICICI Prudential Life’s 24X7 Claim Care number - 1860 266 7766
  • Visit your nearest ICICI Prudential Life Insurance branch
  • E-mail at lifeline@iciciprulife.com
  • SMS ICLAIMPolicy Number to 56767 from your registered mobile number. Your claim will be formally registered only after receiving a written claim intimation at our branch/Claims Cell. For calls within India. Overseas customers can call on +91 22 6193 0777

Can nomination be made when life assured and proposer are different individuals?

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Nomination is allowed only for self-proposed policies where the proposer and life assured are the same person.

Why should you appoint a nominee and whom can I appoint as a nominee?

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When you appoint a person as your nominee, the nomination enables your nominee to receive the policy proceeds in the event of your untimely death without necessity of producing any legal evidence of title to your estate. You may nominate any person as your nominee.

How do I change the communication/registered address in my life insurance policy?

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You need to submit the relevant documents to change your address. The Documents needed for change of address are:
i. Written request for change in address
ii. Signed copy of Address proof (i.e. PAN Card, Passport, Electricity bill etc.) Documents to be sent to:
ICICI Prudential Life Insurance Company Limited
Unit no.1A & 2A, Raheja Tipco Plaza,
Rani Sati Marg,
Malad (East),
Mumbai – 400097

Alternatively you can e-mail the scanned copy of the above mentioned documents to lifeline@iciciprulife.com from your registered e-mail ID.

Do mention your policy number in the e-mail.

What is the benefit that I or my family will get during the policy term in a life insurance plan?

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Apart from death benefit, a life insurance plan can also give you a terminal illness benefit where you can get the life cover before the policy term in case you get detected with a terminal illness. Also you can look for riders like critical illness & accidental death benefit that will only enhance your life cover.

I already have a life insurance plan. Should I think of upgrading it?

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Having a life insurance plan with adequate cover is a recommended way to safeguard your loved ones. With growing dependents in the family, your responsibility towards protecting them would also increase, hence it is advisable to have an insurance cover which matches with your responsibilities. One should revisit the life insurance cover according to the rising financial income and need of the family.

To know more about our term insurance plan, please click here

What is Accidental Death benefit offered under ICICI Pru iProtect Smart?

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In addition to the benefits under the ICICI Pru iProtect Smart - Life option, you are also covered for Accidental Death (AD) benefit under Life Plus and All in one option. In case of death due to an accident, your nominee/legal heir will be paid AD benefit as per the payout option chosen by you and at any time, your beneficiary will have the option to convert all or some of his monthly income into a lump sum. This benefit ensures that you enhance your coverage significantly at very affordable rates. The policy will terminate on payment of these benefits.