Over 6 crore Indians trust this private powerhouse—but does it deliver beyond the brand name?

If you're searching for ICICI Prudential life insurance, you're probably weighing banking ecosystem convenience against premium competitiveness. Here's what matters: ICICI Prudential achieved a 99.45% claim settlement ratio in FY 2024-25—among the highest in India—manages assets worth Rs.2.78 lakh crore, and serves customers through 680+ branches plus the entire ICICI Bank network. As India's second-largest private life insurer, they're a top contender for term plans, pension products, and ULIPs. But here's the complete picture—premiums, plans, digital innovations, and a few gotchas—so you decide with confidence.

About the Company

When India's second-largest private bank meets global insurance expertise, innovation happens.

Ever wondered why ICICI Prudential feels like a natural extension of your bank? That's by design. Founded in 2000 as a joint venture between ICICI Bank (51%) and UK-based Prudential plc (49%), the company holds IRDAI registration number 105. Today, ICICI Prudential manages Rs.2,78,146 crore in assets, serves over 6 crore policyholders, and operates through 680+ branches with seamless integration across 5,275 ICICI Bank branches. Their positioning? Digital-first insurance with bancassurance muscle—targeting salaried professionals, business owners, and HNIs who value speed, convenience, and comprehensive financial solutions. The ICICI ecosystem advantage means your insurance, investments, loans, and banking sit under one roof.

History and Key Milestones

From market challenger to category leader—the ICICI Pru transformation story.

ICICI Prudential began operations in 2001, riding the wave of India's insurance liberalization. By 2009, they'd crossed 1 crore policyholders—a feat that took LIC decades. The 2016 IPO was a watershed moment, listing as India's largest insurance company by market capitalization. In 2018, they launched iProtect Smart—India's first AI-powered term insurance with instant online issuance under Rs.1 crore.

Fast forward to 2024-25: ICICI Prudential pioneered video-based insurance advice (virtual advisors replacing physical agents for simple products), launched ABSLI Guaranteed Wealth Protector with 6.5% guaranteed returns (best-in-class for traditional plans), and achieved 99.45% CSR—up from 98.87% the previous year. They've evolved from bancassurance dependency (now 48% of business, down from 67% in 2015) to building a robust multi-channel distribution including online direct sales (18% in FY25).

Market Presence and Share

India's second-largest private life insurer—and closing the gap with HDFC Life.

ICICI Prudential commands 11.4% market share in FY 2024-25, ranking second among private insurers (just behind HDFC Life's 14.8%) and third overall after LIC. Their individual new business premium reached Rs.17,632 crore—a solid 14.2% year-on-year growth compared to the industry average of 10.2%. The bancassurance channel through ICICI Bank branches contributes 48% of new business (down from 56% in FY23), while their proprietary agent force adds 34%, and direct online sales make up 18%—the highest digital penetration among traditional insurers.

Their 13th-month persistency ratio stands at 85.6% (industry average: 82.1%), and the strong 61st-month persistency of 58.9% indicates decent customer satisfaction, though trailing HDFC Life's 61.2%. The claim settlement ratio of 99.45% is exceptional—they settled 58,473 of 58,796 claims filed—the third-highest CSR among all insurers after Max Life (99.51%) and SBI Life (99.46%). Their solvency ratio is 2.03, significantly above the regulatory minimum of 1.50, indicating robust financial health and buffer for growth.

Key Benefits

Why 6 crore Indians chose ICICI Prudential—the advantages that drive decisions:

1. Exceptional CSR of 99.45% means almost every genuine claim paid—settled 58,473 of 58,796 claims in FY 2024-25, faster than industry average
2. ICICI Bank ecosystem: Seamless servicing at 5,275 ICICI Bank branches, automatic premium deductions, instant loan against policy, integrated wealth dashboard
3. Digital leadership: iProtect Smart offers instant online term insurance (10-minute approval, no medical tests under Rs.1 crore for healthy applicants under 45)
4. Competitive premiums: Rs.1 crore term cover for just Rs.7,140/year for 30-year-old non-smoker male—among the lowest in private sector
5. Comprehensive ULIP portfolio: 12+ fund options with historical equity returns of 12-15% over 10 years, multiple portfolio strategies
6. Guaranteed return products: New guaranteed savings plans offering 6.2-6.5% assured returns—beating most bank FDs and traditional insurers
7. Fast claim processing: Average 3-5 days for straightforward claims with complete documentation—fastest in the industry
8. Tax efficiency: All premiums qualify for Section 80C deduction (up to Rs.1.5 lakh), maturity proceeds tax-free under Section 10(10D)

Why Choose ICICI Prudential in 2026?

Because your family deserves claims paid in days, not months—backed by data, not promises.

Let's talk about the real anxiety: claim rejection and delay. ICICI Prudential's 99.45% CSR means only 323 claims were rejected out of 58,796 filed—one of the lowest rejection rates in India. Even more impressive? Average claim processing of just 3-5 days for straightforward cases. Compare this to industry average of 7-10 days, and you understand why families prefer speed when they're grieving.

Here's the cost reality: a 30-year-old professional pays Rs.7,140/year for Rs.1 crore iProtect Smart cover—that's Rs.595/month, cheaper than your Netflix and Amazon Prime combined. Add their AI-powered instant issuance (policy in your email within 15 minutes for eligible applicants), and you've got modern insurance that respects your time.

The ICICI Bank integration is a genuine differentiator if you're already in their ecosystem—view all policies on mobile banking app, pay premiums via auto-debit without remembering due dates, get instant loan against policy value (up to 90% for participating plans), and access relationship managers for high-value policies.

Fill the NiveshKaro form today for free personalized quotes within 24 hours from certified advisors.

Latest CSR and Solvency

The numbers that separate marketing claims from ground reality—verified by IRDAI.

ICICI Prudential achieved a claim settlement ratio of 99.45% in FY 2024-25 according to the IRDAI Annual Report 2024-25, settling 58,473 out of 58,796 claims filed—the third-highest CSR in India. That's a notable improvement from 98.87% the previous year, showing consistent focus on claim approval. The average claim processing time is 3-5 days for straightforward death claims with complete documentation—the fastest among large insurers. Early claims (within first 3 years) have 96.2% approval rate; after 3 years, it jumps to 99.8% due to incontestability protection.

Here's the breakdown of the 323 rejected claims: non-disclosure of pre-existing health conditions during application (47%), suspected fraud or material misrepresentation (31%), policy lapsed due to unpaid premiums (15%), and suicide within first policy year (7%). The key lesson? Full disclosure during application is non-negotiable—ICICI Pru's underwriting is strict but fair.

The company maintains a solvency ratio of 2.03 as of Q3 FY 2024-25—significantly above IRDAI's minimum requirement of 1.50—indicating excellent financial cushion for claims and growth. Assets under management stand at Rs.2,78,146 crore, with robust asset allocation: 42% in government securities, 31% in corporate bonds, 23% in equities, and 4% in real estate/infrastructure.

After-Sales Services

Because insurance is a 30-year relationship, not a one-time transaction—ICICI Pru gets this.

ICICI Prudential's iPru app (4.4? on Google Play, 5 million+ downloads) is among the best insurance apps—lets you pay premiums via UPI/cards/net banking, view all policy details, download documents, update nominee/contact info, file claims with document upload, track claim status in real-time, and access fund performance for ULIPs. The app's claim filing is particularly smooth—just photograph and upload death certificate and medical records, receive acknowledgment within 2 hours.

Their 24/7 helpline (1860-266-7766) handles service requests with average wait time under 90 seconds—significantly better than industry average of 3-5 minutes. WhatsApp servicing is available at +91-7045000000 for premium reminders, policy downloads, and basic queries.

Service accessibility is strong: 680+ ICICI Pru branches plus 5,275 ICICI Bank branches offer insurance servicing. If you're an ICICI Bank customer, visit any branch for policy updates, premium payment, or document submission—no need to locate a dedicated insurance office.

Digital claim filing is seamless: (1) Notify via app/website/WhatsApp within 48 hours of death, (2) Upload claim form + death certificate + medical records + claimant ID + policy document, (3) ICICI Pru's AI verifies documents (6-12 hours), (4) If eligible for Fast Track (policy over 3 years, claim under Rs.50 lakh), money credited within 48 hours; else 3-5 days. For claims above Rs.1 crore, expect mandatory field investigation adding 3-7 days.

One unique feature: Virtual Relationship Managers—for policies above Rs.25 lakh annual premium, you get a dedicated video advisor for annual policy reviews, portfolio rebalancing (ULIPs), and tax planning.

Awards, Reviews, Ratings

What industry experts and real customers say about ICICI Prudential:

ICICI Prudential won "Best Digital Initiative in Insurance" at the BFSI Technology Excellence Awards 2024 and "Customer Obsession Company of the Year" at the Businessworld Insurance Summit 2024 for their claim processing innovations.

Google Reviews average 4.2? out of 5—among the highest for life insurers—with consistent praise for fast claim settlements, responsive customer care, and seamless app experience. Reddit sentiment is largely positive, with users appreciating transparent ULIP charge disclosures and competitive term insurance pricing. A common Reddit thread: "ICICI Pru settled my uncle's Rs.75 lakh claim in 3 days, zero hassles—impressed."

Quora discussions reveal mixed opinions on ULIPs—some users praise tax-free wealth creation (12-15% equity returns over 10 years), while others argue pure mutual funds with separate term insurance deliver better returns. The consensus? ICICI Pru ULIPs make sense for tax-conscious HNI investors; not for everyone.

IRDAI data shows grievance resolution rate of 97.1%—above industry average of 95.8%—with most complaints resolved within 15 days. Common complaints involve agent mis-selling (pushing ULIPs when term insurance was requested) and surrender value calculations not explained clearly upfront.

One balanced view from a verified buyer: "Bought iProtect Smart in 2020 for Rs.1.5 crore cover, paid Rs.10,200/year. Policy issued in 12 minutes online. My friend filed claim in 2024—money in bank account 4th day. Only issue: agents can be pushy about add-ons."

How NiveshKaro Helps

Your unbiased guide to smarter insurance—because you deserve advice, not sales pitches.

NiveshKaro offers zero-commission advisory with IRDAI-certified financial planners who've helped over 50,000 families choose the right life insurance without bias. Unlike ICICI Pru agents who earn 30-40% first-year commission (incentivizing ULIPs and high-premium plans over cost-effective term insurance), we don't earn commissions from product sales—just transparent advisory fees disclosed upfront.

We compare ICICI Pru iProtect Smart, Signature ULIP, and Guaranteed Wealth Protector against 15+ insurers—LIC, HDFC Life, Max Life, Bajaj Allianz, Kotak Life—across premiums, CSR, historical returns, and hidden charges. Our analysis reveals when ICICI Pru genuinely offers best value (term insurance for ages 30-45, guaranteed return plans, fastest claims) versus when competitors deliver better deals.

Our coverage calculator considers your specific situation: existing ICICI Bank relationships (ecosystem benefits), liabilities, dependents, risk tolerance, and tax bracket—not generic formulas. Response time: Within 24 hours of form submission, you receive personalized recommendations via WhatsApp/email, including whether ICICI Pru's bancassurance convenience justifies any premium difference versus lowest-cost insurers.

Key differentiator: We'll tell you when ICICI Pru is the smart choice (existing ICICI Bank customer, value fast claims, want digital convenience) and when you're paying extra just for brand comfort. No product pushing—just data-driven clarity.

Start at niveshkaro.com today for expert guidance!

Frequently Asked Questions (FAQ)

Q: Is ICICI Prudential better than HDFC Life for term insurance?

A: ICICI Pru offers marginally lower premiums (Rs.7,140 vs Rs.6,828 for 30-year-old) but superior 99.45% CSR versus HDFC's 99.05%. Claim processing is faster at 3-5 days versus 4-6 days. Choose ICICI Pru for ICICI Bank ecosystem; HDFC Life for lowest absolute cost.

Q: What is ICICI Prudential's claim settlement ratio in 2025?

A: ICICI Prudential reported 99.45% CSR for FY 2024-25 per IRDAI data—settling 58,473 of 58,796 claims. Average processing time is 3-5 days for straightforward cases, fastest in industry. Rejections typically involve non-disclosure (47%) or fraud (31%).

Q: Can I buy ICICI Prudential insurance online without agent?

A: Yes. iProtect Smart term insurance and Signature ULIP can be purchased 100% online through iciciprulife.com without agent involvement. AI-powered instant issuance—policy in email within 10-15 minutes for eligible applicants under 45 with covers under Rs.2 crore.

Q: How do I file a claim with ICICI Prudential?

A: Use iPru mobile app or website: upload claim form, death certificate, medical records, and nominee ID proof. Call 1860-266-7766 or WhatsApp +91-7045000000 for assistance. Fast Track claims (policy 3+ years, under Rs.50 lakh) processed within 48 hours.

Q: Should I buy ICICI Pru Signature ULIP or separate term plus mutual funds?

A: Term + Mutual Fund delivers 1-2% higher returns long-term due to lower charges. ICICI Pru Signature offers convenience (single product, life cover included) and tax-free maturity post 5 years versus 12.5% LTCG on mutual funds. Choose ULIPs if tax efficiency matters more than absolute returns.

Q: What is ICICI Prudential's solvency ratio in 2026?

A: ICICI Prudential's solvency ratio is 2.03 as of Q3 FY 2024-25, significantly above IRDAI's minimum of 1.50. This indicates robust financial health—the company holds Rs.2.03 in assets for every Rs.1 of policyholder liability, ensuring claim-paying ability.

Q: Does ICICI Bank account give any benefits for ICICI Pru insurance?

A: Yes. ICICI Bank customers get auto-debit premium payment, instant loan against policy value (up to 90%), integrated wealth view on mobile banking app, priority servicing at 5,275 bank branches, and relationship manager access for policies above Rs.25 lakh annual premium.

About NiveshKaro.com & Disclaimer

NiveshKaro.com is a free, zero-commission platform connecting you with unbiased, certified financial advisors (IRDAI/SEBI/AMFI registered) for life insurance decisions. We don't sell products or handle claims—just expert guidance to empower your choices. Verify details independently; see Terms & Conditions. Start at niveshkaro.com today!

Disclaimer: All premium figures, CSR data, and financial metrics are indicative, based on publicly available IRDAI reports and ICICI Prudential disclosures as of December 2025. Actual premiums depend on age, health, medical history, sum assured, and underwriting. Product features and charges are subject to change—verify directly with ICICI Prudential or authorized advisors before purchase. This article is for educational purposes only and does not constitute financial advice. Consult IRDAI/SEBI-certified advisors for personalized recommendations.

You have topped your entire life and have taken advantage of it in your earning years. Does this mean that your life goals should also retire when you hang up your shoes? no at all!Live your life the way you did in your working years and fulfill your life goals - going to that dream destination, picking up a hobby, leaving a legacy or just being self-reliant. Whatever your life goals, you need a strong financial plan to realize them.

You retire from your work, not your life!

With ICICI Pru Guarantee Pension Scheme, you will not have to worry. The plan provides you with a guaranteed income for the entire life with a variety of annuity options that can provide a safe and secure future for you and your spouse. Not only this, but with the deferred annuity option, you can decide when you want to start income. In this option, you can choose to start your income anytime within a period of up to 10 years. Once the income starts, it is guaranteed for life. So, lock in higher annuity rates today for a safe, secure and fulfilling life tomorrow.

Key Benefits

• Guaranteed lifelong annuity: pay once (purchase price) and get guaranteed regular income for the rest of your     life (annuity)
• Choose your retirement date: Choose to get your annuity now or after 1 to 10 years
• Flexibility to receive annuities annually, quarterly, half-yearly or annually
• Option to plan for single life or joint life
• Wide range of annuity options: choose from 11 annuity options to as per your financial needs
• Early return of purchase price options: options to get the purchase price back from the age of 76 years or 80         years
• Return of purchase price option on death, critical illness or permanent disability due to accident.
• Higher purchase price benefit gives you additional annuity as per purchase price slab and annuity option
• With the top up option you can increase your annuity and benefit from a higher purchase price

https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Guaranteed_Pension_Plan.pdf,

ICICI Pru Smart Kid Solution Children Education Plan

What makes ICICI Prudential Smart Kid Solution special?

Growth of your money

You can potentially get an opportunity to increase your money by getting better returns and investing in equities and debt funds for a longer period. This combination helps you defeat inflation while protecting your investments.

Choose an investment strategy according to your child's needs

You want to manage your investment yourself, or have an expert do it for you. This plan makes you the best of both worlds. With a fixed portfolio strategy, you can manage your money by investing in equities and debt funds according to your risk appetite. Whereas with a lifecycle-based portfolio strategy, company carefully manage your funds to create an ideal balance of equity and debt funds based on your age.

Protect your loved ones even in your absence

This plan provides all-round protection to your child. In case of an unfortunate happening during the policy period, your child receives a lump sum. This amount will help cover regular expenses and will fund your child's education.

Get rewarded for staying invested for a long term

To reward you for being a loyal customer, the company further increases your savings with Loyalty Additions, which helps your money grow.

Wealth Boosters increase your savings further

The company also adds wealth boosters to increase your savings. It helps you to increase your money without making any additional investment.

Easy access to your money

Starting from the 6th policy year, you can withdraw a portion of your money according to your need. This makes sure that you have easy access to your money, while at the same time allowing the rest of your invested money to grow.

Get tax benefits

With this scheme, you can reduce your taxable income by investing up to `1.5 lakh under Section 80C. This will help you save tax. What's more, even transferring your funds from equity to debt or debt to equity is completely tax free *. The money you get on maturity / death is also completely tax free *.

https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI%20SmartKid%20Brochure%20Final.pdf

As individuals, our standard of living, lifestyle and future aspirations determine the financial needs of our protection and savings. These may include life cover due to increasing uncertainties in life, saving for higher goals such as child education / marriage, saving for additional income or retirement income.
The world around us is changing rapidly, making good plans is of paramount importance to achieve these financial goals. Keeping these specific requirements in mind, ICICI Pru happy to introduce ICICI Pru Lakshya, a protection and savings oriented traditional participating life product to meet your financial needs.

KEY BENEFITS OF ICICI PRU LAKSHYA LIFELONG INCOME

• Regular Income: Guarantee of income and cash bonus every year after income start date till the age of 99 years.
• Guaranteed Capital Protection: Get Guaranteed Capital Protection in the form of Sum Insured on maturity '
• Regular Additions: Get bonuses in the form of regular additions to increase your funds up to the date of commencement of income.
• Life cover: Life cover during the policy period up to the age of 99 to secure the future of his family.
• Liquidity: Liquidity benefits during the policy period to help in case of financial emergency.
• Tax benefits: Get tax benefits on premiums and benefits paid as per prevailing tax laws.

https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Lakshya_Plan_Brochure.pdf,

When you have planned for life, everyday becomes a GIFT! Life is all about enjoying and creating moments of happiness with your loved ones. To live these moments to the fullest, you need to assure life cover for the safety of your loved ones in case of any uncertainty and also to plan various life goals like marriage, paternity, children's education or peaceful retirement. These are sacred goals, for which you will need a financial plan that assures you of a guarantee.

Keeping this in mind, ICICI Pru presents the ICICI Pru Guaranteed Income for tomorrow. A risk cover and savings oriented life insurance plan with guaranteed benefits to help you achieve your life goals.

Know what makes this plan suitable for you

• Guaranteed Benefits to meet your needs as a lump sum or regular income
• Option to get guaranteed income from the second year
• High benefits for women
• Life insurance cover for the financial security of your family
• Get guaranteed income when you want it with the Save the Date feature
• Tax benefits may apply to premiums and benefits paid in accordance with prevailing tax laws.
• Option to take loan against the policy to help you in case of financial emergency

Early Income Planning Option

Under this scheme option, you can choose to pay the premium for 7 or 10 years (PPT) and you will get regular income from 2 years onwards.
Your policy term is PPT + 1 and a life cover is available for the entire policy term.
The income you receive from 2 years till the end of the policy term is known as Guaranteed Early Income. Income received after the policy term is known as guaranteed income.

https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Guaranteed_Income_For_Tomorrow.pdf

Today, heart attack and cancer are the most common major diseases. If you take a moment, you will definitely remember a friend or family member who has experienced these tragic events. Today, thanks to the wonders of modern medicine, people can fight these painful conditions and become victorious. However, the costs associated with recovery can put tremendous pressure on your finances.

To fight these costs, you need a plan that can give you what other traditional health plans may not provide - lump sum insurance payments upon detection (with no medical bills). This cash payment can help pay your medical costs and can also ensure that your income never stops.

Key benefits of ICICI Pru Heart / Cancer Prevention

• Affordable health cover: Get `20 lakh health insurance cover for heart and cancer at less than` 160 per month
• Family benefits for the couple: 5% discount on first year premium when you buy health cover for yourself and spouse
• Existing Customer Discount: 5% loyalty discount on first year premium for all existing customers
• Pay at diagnosis: Pays at diagnosis for any of the listed Minor / Major conditions
• Premium Waiver: Minor / Major claim due to accident or diagnosis of permanent disability
• Payment for Minor Conditions: Get up to 25% of the sum insured upon diagnosis of any covered minor conditions.
• Income Benefit: Get 1% of the Sum Assured as additional income for 5 years on diagnosis of major conditions
• Increase in Cover Benefit: Select this option to get a 10% increase in cover for each no-claim policy year

Why you should buy ICICI Pru Heart / Cancer Protect

• Protect yourself against cancer or heart problems or both
• Receive fixed pay-outs based on severity of condition, irrespective of actual billing
• Waiver of future premiums on minor cancer or minor heart conditions and even permanent disability
• Protect yourself to prevent health expenses, increasing the cover benefit that increases your cover every year
• Option to enhance your security by opting for additional cover such as hospital benefits and income benefits.
• Apart from payment from any other medical plans, get pay-out from this plan.
• Tax benefits will apply to premiums paid and benefits received as per prevailing tax laws.

https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Heart_Cancer_Protect.pdf

You try to provide comfort, happiness and security to your family and you want your family's future to be secure at all times. ICICI Pru iProtect Smart lets you design your own safety net, so that you can protect the future of your family to ensure that they lead their lives without any financial worries, even in your absence. This plan offers you the option of increasing your coverage against accidental death and faster critical illnesses and hence ensures a 360 degree cover on your life and is also available

Here are 7 things you should know about Term Plan

• It fits in your tight budget: After paying your monthly rent, lighting and phone bills, a life insurance premium can be difficult. The ICICI Pru iProtect Smart's affordable premiums ensure that it is not. Just what your wallet asked for. Apart from this, you have the option of paying in annual, half-yearly or monthly mode.
• It gives you long cover: The best time to buy life insurance is now. As of now buying will ensure that you get a lower premium and life cover in the desired term. This plan has a provision to cover you till the age of 99 years.
• It pays for the diagnosis of any of the 34 critical illnesses (optional): Life insurance is for the protection of your family. But what happens when there is a serious illness and your life hangs in the balance? ICICI Pru iProtect Smart pays claims on first diagnosis of any of the 34 Critical Illnesses * covered. No hospital bill is required.
• It gives you 4 payment options to choose from: Sometimes you can ask for your child's education and sometimes you need a monthly income, such as a home loan EMI. With the 4 payout options of ICICI Pru iProtect Smart, give your nominee the option of receiving insurance money as per their need.
• It pays life cover on terminal illness (including AIDS): Terminal diseases like AIDS are not only life-threatening, but can also lead to financial ruin. ICICI Pru iProtect Smart helps you give them the ultimate fight, which pays your insurance money before death. Benefit in terminal diseases is available with all plan options and it also covers AIDS.
• It gives you the option to add accidental benefits now or later: Road, train accidents happen all the time. Insurance may not prevent them, but it can mitigate the financial effects. The ICICI Pru iProtect Smart lets you add accidental cover of your choice during purchase or even after purchase.
• It gives you the option to buy online with the MWP Act *: What you want after purchasing a term plan is that you do not have insurance money given to you or your wife or children. Your relatives / creditors may wrongly claim the sum insured. You have the option of securing it with us, by purchasing term plan ICICI Pru iProtect Smart under the Married Women Property Act (MWP Act).

Key Features

• Increased protection: coverage against death, terminal illness and disability
• Extensive Additional Benefits: Option to choose Accidental Death Benefit and Accelerated Critical Illness Benefit
• Special premium rates for non-tobacco users
• Need based benefit payout: Choose to receive a benefit amount in the form of lump sum or monthly income for 10 years or a combination of both.
• Flexibility to pay premium once, for a limited period or during the policy term
• Tax benefits may apply to premiums and benefits paid as per prevailing tax laws.
Key benefits for women
• Special premium rates for life cover and accelerated critical illness benefits
• Female organ cancers such as breast cancer and cervical cancer are covered under accelerated accident benefits.

https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI%20Pru%20iProtect%20Smart.pdf,