Riders

• CRITICAL ILLNESS BENEFIT RIDER
• ACCIDENT & DISABILITY BENEFIT RIDER
• INCOME BENEFIT RIDER
• WAIVER OF PREMIUM RIDER (WOP)
• WAIVER OF PREMIUM ON CRITICAL ILLNESS RIDER

ICICI Prudential gives you the freedom to form your very own comprehensive insurance policy by adding the rider benefits to the basic life insurance policy. Add from the following list of benefits to increase the scope of your policy, at a nominal cost.

Critical Illness Benefit Rider
This rider provides protection against 9 critical illnesses, namely: Major organ transplants, Complete renal failure, Stroke, Paralysis, Heart attack, Valve replacement surgery, Major surgery of the aorta, CAGS (Bypass) and Cancer .

Benefits paid on contracting the illness
Accelerated benefits (available with Save‘n’Protect and CashBak) : If the policyholder is diagnosed with any of the specified illnesses, then the policyholder is paid the entire sum assured under the rider. The policy along with all the riders (to the extent of the Rider Sum Assured) is then terminated. However, the remainder of the base policy continues till the end of the term. The policyholder will have to continue paying his premiums for the remainder of the policy.

Standalone benefits (available with LifeTime Super,PremierLife Gold,LifeTime Plus,ForeverLife, Group Term Plan) : If the policyholder is diagnosed with any of the specified illnesses, he/she is paid the rider Sum Assured and the rider terminates. However, the base policy continues till maturity. Premiums paid under this rider are eligible for tax benefits under Section 80D.

For a detailed list of exclusions / conditions, please ask for our rider brochure.

Top Accident & Disability Benefit Rider
Benefits payable on death due to an accident If the policyholder dies due to an accident, 100% of the rider sum assured is paid in addition to the basic sum assured.

In case the policyholder dies in a land surface, mass public transport system wherein the policyholder was traveling as a fare-paying passenger, then 200% of the rider sum assured is paid.

Benefits payable in case of permanent disability due to an accident If the policyholder survives an accident but becomes permanently disabled then the premium for the basic plan is completely waived off to the extent of the rider sum assured.

Plus, 10% of the rider sum assured is paid for the next 10 years, which helps in providing that extra money and takes care of sudden financial set back that occurs after a tragic disability. Accident & Disability Benefit rider is available with LifeTime Super,PremierLife Gold,LifeTime Super Pension,LifeTime Plus,SmartKid New ULRP,Save n’ Protect, Cashbak, ForeverLife,LifeGuard ROP, LifeGuard WROP, Group Term Plan.

Premiums paid under this rider are eligible for tax benefits under Section 80C. For a detailed list of exclusions / conditions, please ask for our rider brochure.

Income Benefit Rider
In case of death of the life assured during the term of the policy, 10% of the rider sum assured is paid annually to the beneficiary, on each policy anniversary till maturity of the rider.

Income Benefit rider is available with SmartKid Child Plans. Premiums paid under this rider are eligible for tax benefits under Section 80C. For a detailed list of exclusions / conditions, please ask for our rider brochure.










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