Bimadeals » ICICI Prudential

ICICI Prudential Customer Care Number

admin — Mon, 14 May 2012 06:19:13 +0000

Call Center Timings: 9.00 A.M. to 9.00 P.M Monday to Saturday (except National holidays)

NRI Contact Details

Bahrain Representative Office:
45, Fourth floor,
Bahrain Chamber of Commerce & Industry,
Bldg No.122,
Road 345,
P.O.Box 11908
Manama,
Kingdom of Bahrain
Tel: +973-17500137
Fax: +973-17500138

Dubai Representative Office:
Musalla Towers
Office # 1701/A ,17th Floor
Bank Street, Bur Dubai
Dubai – UAE
Tel : +971-4-3426626
FAX : +971-4-3548767

EMAIL:
eliteservice@iciciprulife.com

PHONE:
International Customer Service Helpline:
+91-22-6193 0777

Call Centre Timings:
24 hours, Monday to Saturday (except Indian National holidays)
Normal international calling rates would be applicable.

Possibly Related Posts:

ICICI Pru iCare | Key Benefits & Review

bhavana — Fri, 28 Oct 2011 09:54:09 +0000

ICICI Pru iCare, protect your family’s future and ensure that they lead their lives comfortably without any financial worries, even in your absence.

Even if something unfortunate were to happen to you, you would want your family’s future to be secured at all times.

ICICI Pru iCare Glance –

Minimum / Maximum age at entry

18 / 65 years (age last birthday)

Minimum Policy term

5 years

Maximum Policy term

Regular Pay: 30 years
One Pay: 10 years
Policy term will be in multiples of 5 years

Maximum age at policy expiry

75 years (age last birthday)

Minimum premium

Rs. 3,000 (excluding service tax and education cess)

Accidental Death Benefit
(Only with iCare Option II)

Equal to Sum Assured, subject to a maximum of Rs. 50 lakhs

Minimum Sum Assured

Rs. 10 lakhs subject to a minimum premium of Rs. 3,000 (excluding service tax and cesses, as applicable.)

Maximum Sum Assured

Age band (last birthday)	Maximum Sum Assured
18-50	1.5 crore
51-65	70 lakhs

Premium payment option

Regular Pay. Company may offer One Pay option for 5 and 10 year policy terms.

Mode of premium payment

Regular Pay: Yearly
One Pay: Single

Tax benefits

Premium paid towards the policy will be eligible for tax benefits u/s 80C of the Income Tax Act, 1961

Key benefits

Flexibility to choose protection cover based on your needs from:

- Option I: Death benefit equal to Sum Assured

- Option II: An additional death benefit equal to Sum Assured or Rs. 50 lakhs, whichever is lower, payable only in case of death due to accident

- Instant life insurance cover through a simple online application process

- Insurance cover at extremely affordable premiums

- Option of regular pay and one pay

- Tax benefits on the premiums paid

1. The life insurance cover will begin immediately on acceptance of proposal.

After submission of the application form, if it is found that the customer has existing policies which have not been disclosed and due to which, there is a change in the underwriting decision of the Company, the Company will withdraw the cover subject to Section 45 of the Insurance Act, 1938 and below mentioned clause 1a.

1a. The maximum benefit payable on death, excluding the Accidental Death Benefit under ICICI Pru iCare Option II, in respect of all policies issued on the same Life Assured will be limited to the maximum Sum Assured applicable for this product. The additional Accidental Death Benefit payable under ICICI Pru iCare Option II in respect of all policies issued on the same Life Assured will be limited to Rs. 50 lakhs.

2. Tax benefits under the policy are subject to conditions u/s 80C of the Income Tax Act, 1961.

Service tax and education cess will be charged extra, as per applicable rates. The tax laws are subject to amendments from time to time.

How does this term insurance plan work?

Choose between two options available under ICICI Pru iCare, based on your protection needs.
Fill in your personal details and answer some simple questions related to your health.
Pay the premium through your internet banking account or through your credit/debit card. You will have to pay the premium as per the premium payment option chosen.
Life insurance cover on your policy begins immediately on acceptance of proposal.

Possibly Related Posts:

ICICI Prudential Elite Wealth | ULIP Plan Benefits & Features

bhavana — Wed, 12 Oct 2011 09:47:56 +0000

ICICI Pru Elite Wealth – a unit linked insurance plan, designed exclusively for preferred customers like you. This plan offers you multiple choices on how to invest your savings along with an insurance cover. Also, you get rewarded with Loyalty Additions from the sixth year onwards to maximize the return on your investments.

ICICI Pru Elite Wealth at a glance

Minimum Premium

One Pay – Rs. 500,000

Five Pay – Rs. 500,000

Modes of Premium Payment- Yearly

Premium Payment Term

One Pay – 1 year

Five Pay – 5 years

Policy Term – 10 to 30 years Sum Assured

One Pay *

Age at entry	Minimum Sum Assured	Limited Pay
0 to 7 years	125% of premium amount	125% of premium amount
8 to 60 years	125% of premium amount	500% of premium amount
> 60 years	125% of premium amount	125% of premium amount

Five Pay

Age at entry	Sum Assured
8 to <45 years	Higher of (10 X Annual Premium) and (0.5 X Policy Term X Annual Premium)
>= 45 years	Higher of (7 X Annual Premium) and (0.25 X Policy Term X Annual Premium)

Minimum age at entry

One Pay – 0 years

Five Pay – 8 years

Maximum age at entry – 70 years

Minimum age at maturity – 18 years

Maximum age at maturity – 80 years

Tax Benefits Premium and any benefit amount received under this policy will be eligible for tax benefit as per the prevailing Income Tax laws.

*If the Sum Assured under the policy is less than 500% of Single Premium:

Tax benefit u/s 80C will be limited only up to 20% of Sum Assured

Tax benefits u/s 10(10D) will not be available and benefits received under the policy will be taxable

Benefits in detail

Death Benefit:

In the unfortunate event of death of the Life Assured during the term of the policy, the nominee will receive Sum Assured (reduced by partial withdrawals) or Fund Value including the Top up Fund Value, if any, whichever is higher.

Maturity Benefit:

The maturity benefit is Fund Value including the Top up Fund Value, if any. The maturity benefit may be taxable as per prevailing tax laws.

The policyholder shall have an option to receive the Maturity Benefit as a lump sum or as structured payments, using Settlement Option facility.

Loyalty Additions:

A Loyalty Addition will be allocated at the end of every policy year starting from the end of the sixth policy year. The Loyalty Addition paid at the end of the year will be a percentage of the average of daily fund values in that same policy year. The Loyalty Addition will reduce the effective FMC for your policy as shown below:

Year

FMC

Loyalty Addition

Approximate effective

FMC*

6 to 10

1.35%

0.25%

1.1%

11 onwards

1.35%

0.60%

0.75%

This illustration is for all funds other than the Money Market Fund. (SFIN: ULIF 106 24/11/09 LMoneyMkt 105) Also, this illustration does not consider service tax and timing implications.

Switch between funds:

You can switch units from one fund to another depending on your financial priorities and investment outlook as many times as you want. All switches will be free of any charge.

How does the plan work?

- Decide your premium amount and the premium payment option

- Choose the Sum Assured as per your protection needs and age

- Decide where you want your premiums to be invested as per your risk appetite

- On maturity of your policy, receive your maturity benefit as a lump sum or as structured pay out through settlement option to meet your financial goals

- In the unfortunate event of death of the Life Assured during the term of the policy, the nominee will receive the Death Benefit to meet any financial liabilities.

How can I benefit from this plan?

Choose how many premiums you want to pay: Choose between One Pay and Five Pay premium payment option

Choose how long you want to remain invested: Choose a policy term between 10 to 30 years to suit your financial needs

Enjoy lower effective Fund Management Charge through Loyalty Additions: Get rewarded with Loyalty Additions at the end of every policy year starting from the end of the sixth policy year. The Loyalty Addition paid at the end of the year will be a percentage of the average of daily fund values in that same policy year. The Loyalty Addition will reduce the effective Fund Management Charge (FMC) for your policy as shown below:

Year

FMC

Loyalty Addition

Approximate effective*

FMC

6 to 10

1.35%

0.25%

1.1%

11 onwards

1.35%

0.60%

0.75%

*This illustration is for all funds other than the Money Market Fund (SFIN: ULIF 106 24/11/09 LMoneyMkt 105). Also, this illustration does not consider service tax and timing implications.

- Unlimited free switches: Manage your changing financial priorities and investment outlook with unlimited free switches

- Get tax benefits on premiums paid and benefits received as per the prevailing tax laws.

Possibly Related Posts:

ICICI Prudential Elite Life | ULIP Wealth Plan Benefits & Features

bhavana — Wed, 12 Oct 2011 06:54:00 +0000

ICICI Pru Elite Life – a unit linked insurance plan, planned exclusively for preferred customers like you. This plan offers you multiple choices on how to invest your savings along with an insurance cover. Also, you get rewarded with Loyalty Additions from the 6^th year onwards to maximize the return on your investments.

ICICI Pru Elite Life at a glance

Minimum Premium

One Pay – Rs. 200,000

Five Pay – Rs. 200,000

Modes of Premium Payment – Yearly

Premium Payment Term

One Pay – 1 year

Five Pay – 5 years

Policy Term 10 to 30 years Sum Assured

One Pay *

Age at entry	Minimum Sum Assured	Limited Pay
0 to 7 years	125% of premium amount	125% of premium amount
8 to 60 years	125% of premium amount	500% of premium amount
> 60 years	125% of premium amount	125% of premium amount

Five Pay

Age at entry	Sum Assured
8 to <45 years	Higher of (10 X Annual Premium) and (0.5 X Policy Term X Annual Premium)
>= 45 years	Higher of (7 X Annual Premium) and (0.25 X Policy Term X Annual Premium)

Minimum age at entry

One Pay – 0 years

Five Pay – 8 yeare

Maximum age at entry – 70 years

Minimum age at maturity – 18 years

Maximum age at maturity – 80 years

Tax Benefits – Premium and any benefit amount received under this policy will be eligible for tax benefit as per the prevailing Income Tax laws.

- *If the Sum Assured under the policy is less than 500% of Single Premium:

- Tax benefit u/s 80C will be limited only up to 20% of Sum Assured

- Tax benefits u/s 10(10D) will not be available and benefits received under the policy will be taxable

Benefits in detail

Death Benefit:

Maturity Benefit:

The maturity benefit is Fund Value including the Top up Fund Value, if any. The maturity benefit may be taxable as per prevailing tax laws.

The policyholder shall have an option to receive the Maturity Benefit as a lump sum or as structured payments, using Settlement Option facility.

Loyalty Additions

Year

FMC

Loyalty Addition

Approximate effective

FMC*

6 to 10

1.35%

0.25%

1.1%

11 onwards

1.35%

0.60%

0.75%

*This illustration is for all funds other than the Money Market Fund. (SFIN: ULIF 106 24/11/09 LMoneyMkt 105) Also, this illustration does not consider service tax and timing implications.

Switch between funds:

You can switch units from one fund to another depending on your financial priorities and investment outlook as many times as you want. All switches will be free of any charge.

How does the plan work?

- Decide your premium amount and the premium payment option

- Choose the Sum Assured as per your protection needs and age

- Decide where you want your premiums to be invested as per your risk appetite

- On maturity of your policy, receive your maturity benefit as a lump sum or as structured pay out through settlement option to meet your financial goals

- In the unfortunate event of death of the Life Assured during the term of the policy, the nominee will receive the Death Benefit to meet any financial liabilities.

How can I benefit from this plan?

- Choose how many premiums you want to pay: Choose between One Pay and Five Pay premium payment option

- Choose how long you want to remain invested: Choose a policy term between 10 to 30 years to suit your financial needs

- Enjoy lower effective Fund Management Charge through Loyalty Additions: Get rewarded with Loyalty Additions at the end of every policy year starting from the end of the sixth policy year. The Loyalty Addition paid at the end of the year will be a percentage of the average of daily fund values in that same policy year. The Loyalty Addition will reduce the effective Fund Management Charge (FMC) for your policy as shown below:

Year

FMC

Loyalty Addition

Approximate effective*

FMC

6 to 10

1.35%

0.25%

1.1%

11 onwards

1.35%

0.60%

0.75%

This illustration is for all funds other than the Money Market Fund (SFIN: ULIF 106 24/11/09 LMoneyMkt 105). Also, this illustration does not consider service tax and timing implications.

- Unlimited free switches: Manage your changing financial priorities and investment outlook with unlimited free switches.

- Get tax benefits on premiums paid and benefits received as per the prevailing tax laws.

Possibly Related Posts:

How a health insurance Ulip can help build an emergency fund

bhavana — Thu, 08 Sep 2011 05:26:05 +0000

When Mumbai-based Neeraj Bansal has heart surgery a few months ago, thought that their health coverage of Rs 3 lakh for the cost. I was wrong. His family had to arrange for an additional Rs 75,000 as the limits of the subtitles of the policy regarding your claim R 2.25 lakh.

It is to take care of these contingencies, financial planners stress the need to build an emergency fund. Money can be used to bridge the gap between costs incurred and the compensation paid by the insurer. “With rising medical inflation, it is important to create a fund exclusively to meet any eventuality health care,” said Pankaj Mathpal, a financial planner based in Mumbai.

However, very few people actually do this.
The good news is that some insurers are offering products that help build an emergency fund for medical expenses. After LIC, ICICI Prudential Life Insurance and Birla Sun Life Insurance, which offer such policies, the Money Back Health plan from India First Life Insurance is the latest health Ulip to hit the market.

How health Ulips work:
A health Ulip is a combination of two insurance plans-a normal mediclaim policy and a market-linked investment plan. The mediclaim covers hospitalisation expenses, while the market-linked plan builds a corpus for you. This money can be withdrawn by the policyholder for meeting his healthcare expenses or if his mediclaim policy does not cover his hospital bill fully. As in the case of a regular Ulip, the policyholder can choose the investment option for the health Ulip premium.

These plans are available as individual as well as family floater policies. They are renewed annually and though the total premium remains the same, the mediclaim premium goes up even as the investment portion comes down. Some schemes like the LIC Health Plus even offer OPD cover, hospital cash and surgical benefits. The premium is tax deductible under Sections 80C and 80D.

The corpus created by the Ulip can also be used for treatment of diseases not covered by the mediclaim policy. For instance, if the policyholder is hospitalised for a pre-existing disease before the waiting period, the mediclaim policy will not cover the expenses. “The Ulip, however, provides a comprehensive cover to the customer by allowing reimbursement for medical expenses not covered under his health plan,” says Binay Agarwala, executive vice-president & head of products, risk management and corporate strategy, ICICI Pru Life Insurance.

One of the reasons people don’t take health insurance (or term policies) is that the absence of maturity benefit makes them feel their money is going waste. The health Ulip bypasses this problem by offering a maturity amount. The fund value is paid to the policyholder at the end of the term; if he dies before that, his nominee gets the money.

Rules for withdrawals:
To make a claim, one has to provide actual bills or proof of expenses. Expectedly, there are some caveats. Most health Ulips don’t allow withdrawals in the first year. For instance, you can withdraw money from the ICICI Prudential’s Health Saver plan only after you have paid at least three years’ premium. Birla Sun Life’s Saral Health Plan allows withdrawals only after five years. Also, there are caps on withdrawals.

In case of ICICI Prudential’s Health Saver, you can claim only 20% of the fund value in the fourth and fifth year, over and above the mediclaim cover of Rs 3 lakh. It goes up to 50% from the sixth to tenth year and you can claim the entire fund value only after the tenth year. Some health Ulips also have caps on the total claim amount. India First’s Money Back Health Ulip allows a maximum claim of five times the total sum assured during the entire term. So, if you have a cover of Rs 3 lakh, your total claim during the entire policy term cannot be more than Rs 15 lakh.

Source: [ET]

Possibly Related Posts:

Annuity Solutions | Features & Benefits

bhavana — Wed, 01 Dec 2010 05:03:50 +0000

Your loyal employees have determinedly dedicated several years of their lives to you and your company’s success. You would certainly want them to live contently when they retire from your service.

Invest in ICICI Prudential life Insurance Annuity Solutions-a suite of 7 plans especially planned to give your employees high returns, which serve as a steady income for their golden years.

Features & Benefits –

– Wide range of 7 annuity plans: Select one that best meets your employees’ requirements.

- 4 withdrawal options: Your employees can select to withdraw their annuity payout in monthly, quarterly, bi-annual, or annual installments.

- Guaranteed annuity rates: Your employees receive guaranteed amounts, for life.

- Minimum age of entry: 45 years

- Maximum age of entry: 80 years

Possibly Related Posts:

Group Gratuity Plan | Features & Benefits

bhavana — Wed, 01 Dec 2010 04:55:37 +0000

Gratuity is a statutory advantage paid to employees who have worked in an organization for at least 5 years. Under the Payment of Gratuity Act, 1972, your employees are eligible for 15 days of pay for each completed year of service. You can structure a gratuity benefit such that it is higher than statutory requirements.

ICICI Prudential Life Insurance Group Gratuity Plan enables you to fund your gratuity responsibility in a systematic manner while enjoying applicable tax benefits at the same time.

Features & Benefits –

Features of Group Gratuity Plan

Multiple investment options with market-linked plans: Choose between short-term debt, debt, balanced, and growth funds depending on your financial objectives.

Portfolio transparency: Manage your funds more professionally with daily disclosures of Unit Value and regular disclosures of each fund’s portfolio.

Switch benefit: Switch between funds at any time to regulate your portfolio depending on your goals and risk profiles.

Life insurance: Safeguard your employee’s wellbeing with a bundled life insurance cover that requires minimal amount of underwriting.

Actuarial services: Make a scientific opinion of your gratuity liability.

Low explicit charge structure with conditions for exit specified upfront.

Faster claim settlement, easier access to information and regular statements.

End-to-end solution in the legal and regulatory approval process for scheme set up or transfers.

Employer Benefits:

Deductions: Enjoy a deduction on your yearly contribution up to 8.33% of salary bills in a financial year, for the purpose of computation of profits and gains of business.

Tax benefits: Enjoy tax benefits on your contribution towards past service liabilities, as per IT rules and regulations.

Employee Benefits:

Tax benefits: Employees enjoy tax exemptions on gratuity of up to Rs. 3, 50,000, under Sec. 10 (10) as per IT rules and regulations.

Possibly Related Posts:

Group Term Insurance Plan | Features & Benefits

bhavana — Wed, 01 Dec 2010 04:42:34 +0000

As an empathetic employer who regards your team as your most precious asset, you would certainly want to safeguard their wellbeing, at all times.

Invest in ICICI Prudential Life Insurance Group Term Insurance Plan-a one-year renewable life insurance that enables you to provide every member of your team with an affordable life cover.

Features & Benefits –

One master policy covers all the proposed employees in your group-which should comprise a minimum of 25 members. New members can join the group and current members can leave at any time during the policy term.

- Cover can be extended to all employees between 18 and 70 years of age.

- Cover is calculated consistently, or based on designation or rank, or as a multiple of salary, or against outstanding loan amount.

- Premiums you pay are treated as a business expense in the year of payment.

- Employees enjoy greater convenience with relaxed underwriting and medical requirements.

- ‘Free Cover Limits’ with basic underwriting depending on the number of employees in your group and the level of cover you choose.

- Employees are additionally covered with an Accident and Disability Benefit Rider and Critical Illness cover.

- Group members’ nominees receive the entire benefit should something happen to your member.

Possibly Related Posts:

ICICI Pru Hospital Care II | Eligibility | Features & Benefits

bhavana — Wed, 01 Dec 2010 04:28:51 +0000

ICICI Pru Hospital Care II – this fixed benefit hospitalizations and surgical plan complements your existing coverage by offering payouts over and above any health insurance plan you have, thus availing best possible medical treatment, without having to trouble about the cost of the treatment or quality of care.

Eligibility –

Min/Max age at entry	1 year – 65 years(nearest birthday) (90 days – 24 years for dependent children in case of family floater)
Coverage	Individual / Family floater ( self, spouse, First 3 dependent children)
Policy term	10 years (Guaranteed insurability at renewal for life)
Premium payment frequency	Yearly, half yearly & monthly
Waiting period	30 days

Annual Premium (Individuals) (Rs.)
Age / Plan type	Plan A	Plan B	Plan C	Plan D
25 years	4,669	7,545	10,426	13,309
30 years	4,756	7,724	10,700	13,678
35 years	5,039	8,298	11,566	14,837
40 years	5,508	9,244	12,999	16,753
45 years	6,166	10,574	14,922	19,413
50 years	7,670	13,062	18,480	23,906

Annual Premium (Family floater: with spouse) (Rs.)
Age / Plan type	Plan A	Plan B	Plan C	Plan D
25 years	6,912	11,729	16,557	21,388
30 years	7,400	12,714	18,038	23,366
35 years	8,213	14,363	20,524	26,688
40 years	9,440	16,823	24,217	31,613
45 years	10,719	19,388	28,059	36,733
50 years	13,124	23,148	33,023	43,269

Annual Premium (Family floater: with spouse & child) (Rs.)
Age / Plan type	Plan A	Plan B	Plan C	Plan D
25 years	8,710	14,933	21,291	27,583
30 years	9,198	15,978	22,772	29,561
35 years	10,011	17,627	25,258	32,883
40 years	11,238	20,087	28,951	37,808
45 years	12,517	22,652	32,793	42,928
50 years	14,922	26,142	37,937	49,464

The annual premium rates exclude service tax and education cess. The premiums are guaranteed for one year from the date of commencement of the policy. Thereafter the company reserves the right to revise the premium subject to prior approval from IRDA. The above premiums are only sample premiums for certain age groups.

Features & Benefits –

Following are the features in detail:

1. Daily hospitalization cash benefit (DHCB)

2. Intensive care unit benefit (ICUB)

3. Surgical benefit (SB)

4. Non surgical benefit

5. Recuperating benefit

6. Prolonged stay benefit

7. Health check-up

8. Optional additional daily hospitalisation benefit (ADHB)

1. Daily hospitalisation cash benefit (DHCB)
This benefit amount is payable in the event of hospitalisation from the 1^st day of hospitalisation, for each day of hospitalisation, subject to a continuous stay for minimum of 24 hours.

2. Intensive care unit benefit (ICUB)
This benefit amount of 1 time the DHCB is payable per day for each day in the event of hospitalisation in an concentrated care unit and in any policy year is limited to a total of 15 times the DHCB under the plan.
The total DHCB and ICUB combined will be payable for a maximum of 90 days.

3. Surgical benefit (SB)
A fixed lump-sum amount is payable in the event of undergoing any of the more than 1000 covered surgical procedures and is paid irrespective of whether the DHCB is payable or not. In any policy year, the surgical benefit is limited to 300 times the DHCB.

Grade of surgery	Examples of surgeries covered under the grade
I	Tennis Elbow Release, Haemorrhoids Surgery
II	Lithotripsy for Kidney Stone, Cataract Surgery, Tonsils Removal
III	Lumps Excision, Gall Stone (Cholecystectomy)
IV	Hernia Repair, Uterus Prolapse
V	Arthroscopy, Knee reconstruction
VI	Coronary Angioplasty, Valvular Open Heart Surgery
VII	Coronary Artery Bypass Graft, Total Hip Joint Replacement

4. Non surgical benefit (NSB)
This benefit amount is payable in the event of hospitalisation without any surgery. An extra benefit of 100(%) per cent of DHCB is payable for every day spent in the hospital up to a maximum limit of 4 times DHCB, subject to the DHCB being payable at the time of hospitalisation.

5. Recuperating benefit

A post-hospitalisation benefit amount of 3 times the DHCB is payable to help you with recuperating expenses like follow-up tests, medicines and consultations. Benefit amount payable for 7 or more days of continuous hospitalisation for the same injury or disease, subject to the DHCB being payable at the time of hospitalisation. This benefit is payable only if the life insured is discharged from the hospital.

6. Prolonged stay benefit

A long stay in the hospital can drain your savings and may even lead to loss of income. This benefit tries to lower the impact of prolonged captivity in the hospital. An additional 100% of DHCB is payable per day of continuous hospitalisation after the first 30 days up to a maximum of 60 days for the same injury or disease, subject to the DHCB being payable at the time of hospitalisation.

7. Health check-up

Health check-up will be available for all insured family members under the plan, once every two years after completion of the first policy year. This benefit is provided on reimbursement basis to a maximum of Rs 4,000 per policy irrespective of plan type.

8. Optional additional daily hospitalisation benefit (ADHB):

You have an option to increase the DHCB and ICUB payout by an additional 100% by taking up this option. This however does not change the payout limits for other benefits in the plan. The benefit under he ADHB option is subject to the total annual limit under the insurance plan.

Benefit amounts at-a-glance

Benefit	Plan A(Rs.)	Plan B (Rs.)	Plan C (Rs.)	Plan D (Rs.)
DHCB (per day)	1,000	2,000	3,000	4,000
ICUB (per day)	1,000	2,000	3,000	4,000
Surgical benefit
Grade 1	10,000	20,000	30,000	40,000
Grade 2	20,000	40,000	60,000	80,000
Grade 3	30,000	60,000	90,000	1,20,000
Grade 4	40,000	80,000	1,20,000	1,60,000
Grade 5	75,000	1,50,000	2,25,000	3,00,000
Grade 6	1,00,000	2,00,000	3,00,000	4,00,000
Grade 7	1,50,000	3,00,000	4,50,000	6,00,000
Non-surgical benefit (per day)	1,000	2,000	3,000	4,000
Recuperating benefit	3,000	6,000	9,000	12,000
Prolonged stay benefit (per day)	1,000	2,000	3,000	4,000
Health check-up	Up to Rs. 4,000	Up to Rs. 4,000	Up to Rs. 4,000	Up to Rs. 4,000

Benefit limits	Plan A(Rs.)	Plan B (Rs.)	Plan C (Rs.)	Plan D (Rs.)
Annual limit	4,00,000	8,00,000	12,00,000	16,00,000
Lifetime limit	20,00,000	40,00,000	60,00,000	80,00,000

Possibly Related Posts:

ICICI Pru MediAssure | Eligibility | Features & Benefits

bhavana — Tue, 30 Nov 2010 06:13:36 +0000

ICICI Prudential Life Insurance presents MediAssure, a health insurance with an AAA guarantee for the family

Assured cover till age 75 years
Assured coverage for accepted pre-existing illnesses after 2 years
Assured price for 3 years

Moreover, this policy covers all your hospitalisation needs with the flexibility to choose your location and quality of treatment.

Eligibility –

Term

3 years

Min/ Max age at entry

18 – 65 years for individual policies
90 days–65 years for dependents in a family floater
Maximum cover ceasing age for children is 25 years under the family floater

Annual Limits

Rs 2 lacs, Rs 3 lacs, Rs 5 lacs, Rs 7 lacs, Rs 10 lacs

Premium Modes

Monthly, Half yearly, Yearly

Renewability

Guaranteed Renewablity
(subject to a cover ceasing age of 75 yrs)

Waiting Period

30 Days
(No waiting period applies for claims due to accident)

Plan Types

Premium Plan
Classic Plan

Yearly Premiums (Male/ Female)

(in Rs.)

Premiums shown below are for an Annual Limit of Rs 5 lacs

Age	Classic	Premium
25	5,602	7,770
30	5,762	8,008
35	6,417	8,991
40	7,851	11,142
45	9,903	13,953
50	12,124	17,284
55	15,153	21,827

Premiums are shown for an individual option with an annual payment mode and are exclusive of service tax and education cess.

Features & Benefits –

Key Benefits of the MediAssure policy -

Hospitalisation coverage for your family under a single policy
Pre-existing illnesses & conditions covered subject to underwriting.
Guaranteed insurability up to 75 years of age.
Coverage for Pre & Post-Hospitalisation expenses
Over 125 day care procedures covered
No claim bonus of 5% of yearly limit for every claim free policy year
Cashless Hospitalisation in our extensive network of hospitals across the country
Flexibility in upgrading hospital room facilities with additional co-pay
Avail tax benefits on premium paid u/s section 80D of IT Act, 1961

Possibly Related Posts: