{"uin":"105L204V03","name":"ICICI Life Smart Insurance Plan Plus","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-smart-insurance-plan-plus-105l204v03","insurer":{"slug":"icici-life-insurance","name":"ICICI Life Insurance Company Limited","url":"https://indiainsurances.com/insurer/icici-life-insurance"},"line":"life","category":"ulip","category_name":"ULIPs (unit-linked plans)","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"ICICI Life Smart Insurance Plan Plus is a non-participating linked individual savings life insurance plan with Wealth and Assure variants. It has a 5-year lock-in, a 30-day free-look period, and zero premium allocation and policy administration charges.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:39:48.918965+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Wealth","Assure"],"display":"Wealth and Assure","note":"From the sales brochure; separate policy wordings are provided for Wealth and Assure.","quote":"This plan provides you with the potential to grow your savings with market linked returns along with an adequate life insurance cover to protect the financial goals of your loved ones with 2 plan variants - Wealth and Assure.","sources":[{"clause":null,"heading":"Benefits in detail","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-smart-insurance-plan-plus-105l204v03/document/21490#c-benefits-in-detail"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Wealth: minimum policy term is 75 minus age at entry for annualised premium below Rs. 6,00,000 p.a. and 15 years for annualised premium of Rs. 6,00,000 p.a. or more; maximum is 75 minus age at entry. Assure: 15-25 years.","display":"Wealth: min 75 minus age at entry or 15 years, max 75 minus age at entry; Assure: 15-25 years","note":"From the sales brochure.","quote":"Minimum/ Maximum Policy Term (in years) | Minimum Policy Term: For Annualised Premium < ₹ 6,00,000 p.a.: 75 minus Age at entry For Annualised Premium >= ₹ 6,00,000 p.a.: 15 years Maximum Policy Term: 75 minus Age at entry ... Minimum/ Maximum Policy term (in years) | 15-25 years","sources":[{"clause":null,"heading":"A) Wealth Variant","page":8,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-smart-insurance-plan-plus-105l204v03/document/21490#c-a-wealth-variant"},{"clause":null,"heading":"B) Assure Variant","page":8,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-smart-insurance-plan-plus-105l204v03/document/21490#c-b-assure-variant-2"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"not-stated","value":null,"display":null,"note":"The wording states that intimation for death claim NAV must be in writing, but does not state a deadline for claim intimation.","quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Duly filled and signed Claimant Statement Form","Copy of Death Certificate of the Life Assured, issued by government authority","Claimant address proof","Claimant photo identity proof","Recent photograph of the claimant","Pan card / Form 97 of the claimant","Duly filled and signed Payout mandate form with bank account details of the claimant","Copy of cancelled cheque / bank statement / bank passbook with printed account number and name of the claimant","For unnatural death: medico-legal cause of death certificate, FIR, inquest/panchnama report, final police investigation report, post mortem report, viscera/chemical examination report and other listed records","For natural or medical death: medical cause of death certificate, past medical records and treatment papers, hospitalization records and treating doctor/medical attendant certificates","For settlement/maturity claim: cancelled cheque, KYC of proposer and settlement option form if opted"],"display":"Claimant statement, death certificate, claimant KYC/photo/PAN, payout mandate, bank proof; additional cause-of-death documents; maturity claim documents","note":"The clause lists further specific documents for unnatural and natural/medical deaths.","quote":"For processing a claim under this Policy, We will require the following documents (as may be relevant): • Duly filled and signed Claimant Statement Form • Copy of Death Certificate of the Life Assured, issued by government authority • Claimant address proof* • Claimant photo identity proof* • Recent photograph of the claimant • Pan card / Form 97 of the claimant • Duly filled and signed Payout mandate form with bank account details of the claimant • Copy of cancelled cheque / bank statement / bank passbook with printed account number and name of the claimant ... DOCUMENTS REQUIRED BASED ON CAUSE OF DEATH A. In case of death due to Unnatural causes such as Accidents (Road / Rail / Air etc), Murder, Suicide, etc. ... For processing a Settlement/maturity claim under this Policy, We will require the following documents from the Claimant: a) Cancelled Cheque of the Claimant for processing electronic payment b) KYC of Proposer of the Policy c) Settlement option form, if opted","sources":[{"clause":"11","heading":"Payment of claim For processing a claim under this Policy, We will require the","page":9,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-smart-insurance-plan-plus-105l204v03/document/22195#c-11-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Suicide within 12 months: only the Fund Value is payable and the policy terminates","Suicide within 12 months from the effective date of any Top-up: the corresponding Top-up Sum Assured shall not be considered","On death on the Date of Maturity, only the Maturity Benefit is payable and Death Benefit is not payable","While monies are in the Discontinued Policy Fund, Risk Cover, Rider Cover and Minimum Death Benefit will not apply"],"display":"Suicide within 12 months pays only Fund Value; top-up sum assured excluded for suicide within 12 months of top-up; no death benefit on date of maturity; no risk cover/rider/minimum death benefit in Discontinued Policy Fund","note":null,"quote":"If the Life Assured, whether sane or insane, commits suicide for any reason whatsoever within 12 months from the date of commencement of the Policy or from the date of revival of the Policy, as applicable, the Policy will terminate and only the Fund Value as available on the date of intimation of death or Date of Foreclosure or Date of Maturity whichever is earlier, will be payable to the Claimant. ... If the Life Assured, whether sane or insane, commits suicide within 12 months from the effective date of any Top-up, then the corresponding Top-up Sum Assured shall not be considered in the calculation of the Death Benefit. ... In the event of death of the Life Assured on the Date of Maturity, only the Maturity Benefit (if applicable) is payable and the Death Benefit shall not be payable. ... While monies are in the Discontinued Policy Fund: i. Risk Cover, Rider Cover and Minimum Death Benefit will not apply.","sources":[{"clause":"11","heading":"Payment of claim For processing a claim under this Policy, We will require the","page":9,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-smart-insurance-plan-plus-105l204v03/document/22195#c-11-2"},{"clause":"1","heading":"Death Benefit On the death of the Life Assured during the Policy Term provided all","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-smart-insurance-plan-plus-105l204v03/document/22195#c-1-2"},{"clause":"16","heading":"Treatment of the Policy while monies are in the Discontinued Policy Fund","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-smart-insurance-plan-plus-105l204v03/document/22195#c-16"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact customer service through the website/app, advisor, call centre, branches or customer service desk. If there is no resolution or the customer is not satisfied, escalate to the designated Grievance Redressal Officer, then to the internal Grievance Redressal Committee before approaching IRDAI or the Insurance Ombudsman.","display":"Customer service first, then GRO at gro@icicilife.com, then internal Grievance Redressal Committee","note":null,"quote":"For any clarification or assistance, You may submit your query or request through 'write to us' section on our mobile app or website. ... i) Grievance Redressal Officer: If You do not receive any resolution from Us or if You are not satisfied with Our resolution, You may submit your concern to the designated grievance redressal officer (GRO) at the 'grievance redressal' section on our website, or write to us at at gro@icicilife.com . ... ii) Grievance Redressal Committee: If You do not receive any resolution or if You are not satisfied with the resolution provided by the GRO, You may escalate the matter to Our internal grievance redressal committee","sources":[{"clause":"1","heading":"Customer service","page":9,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-smart-insurance-plan-plus-105l204v03/document/22195#c-1-6"},{"clause":"1(i)","heading":"Grievance Redressal Officer","page":9,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-smart-insurance-plan-plus-105l204v03/document/22195#c-1-i"},{"clause":"1(ii)","heading":"Grievance Redressal Committee","page":9,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-smart-insurance-plan-plus-105l204v03/document/22195#c-1-ii"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_assured","label":"Sum assured","section":"Cover","meaning":"The minimum and maximum life cover, or the rule that sets it (for example 10 times the annual premium).","status":"quote-verified","value":"For the base policy, minimum Sum Assured is 7 times Annualized Premium and maximum Sum Assured is 10 times Annualized Premium. For top-ups, it is 1.25 times Top-up Premium or 10 times Top-up Premium.","display":"Base policy: 7 to 10 times Annualized Premium; Top-ups: 1.25 or 10 times Top-up Premium","note":"From the sales brochure.","quote":"Base policy | Minimum Sum Assured: 7 times Annualized Premium Maximum Sum Assured: 10 times Annualized Premium\nTop-ups | 1.25 times Top-up Premium or 10 times Top-up Premium","sources":[{"clause":null,"heading":"For both plan variants","page":8,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-smart-insurance-plan-plus-105l204v03/document/21490#c-for-both-plan-variants"}],"law":[]},{"key":"death_benefit","label":"Death benefit","section":"Cover","meaning":"What your family gets if you die during the term, and how it is calculated.","status":"quote-verified","value":"Under Wealth, if all due premiums are paid and monies are not in the Discontinued Policy Fund, the death benefit is the highest of Sum Assured including top-up Sum Assured, Fund Value, and Minimum Death Benefit. Under Assure, death benefit has a Lumpsum Benefit, which is the higher of Sum Assured including top-up Sum Assured and Minimum Death Benefit, plus Smart Benefit comprising Future Secure benefit and optional Family Income benefit; if monies are in the Discontinued Policy Fund, the proceeds of that fund are payable.","display":"Wealth: highest of Sum Assured, Fund Value and Minimum Death Benefit; Assure: Lumpsum Benefit plus Smart Benefit; DPF: proceeds of Discontinued Policy Fund","note":"Assure Smart Benefit applies as per the variant terms; Family Income benefit is only if opted at policy inception.","quote":"Death Benefit payable to the Claimant will be the highest of: i. Sum Assured including Top-up Sum Assured if any, or ii. Fund Value as available on date of intimation of death or date of foreclosure or Date of Maturity whichever is earlier, or iii. Minimum Death Benefit ... Death Benefit will comprise of the following two parts: a. Lumpsum Benefit, and b. Smart Benefit ii. Lumpsum Benefit is defined as the higher of: a. Sum Assured, including Top-Up Sum Assured, if any b. Minimum Death Benefit iii. Smart Benefit comprises of the following two benefits: a. Future Secure benefit ... b. Family Income benefit","sources":[{"clause":"1","heading":"Death Benefit On the death of the Life Assured during the Policy Term provided all","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-smart-insurance-plan-plus-105l204v03/document/22195#c-1-2"},{"clause":"1","heading":"Death Benefit i.On the death of the Life Assured during the Policy Term provided all","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-smart-insurance-plan-plus-105l204v03/document/22194#c-1-2"}],"law":[]},{"key":"maturity_benefit","label":"Maturity benefit","section":"Cover","meaning":"What you get if you survive to the end of the term.","status":"quote-verified","value":"Under Wealth, on survival of the Life Assured till the Date of Maturity, the Fund Value is paid to the policyholder. Under Assure, on the Date of Maturity, the Fund Value is payable as Maturity Benefit irrespective of survival of the Life Assured, and if the Life Assured died before or on maturity it is payable to the claimant.","display":"Fund Value at maturity; Wealth requires survival, Assure payable irrespective of survival","note":null,"quote":"On survival of the Life Assured till the Date of Maturity, We will pay the Fund Value to the Policyholder, provided the Policy has not already been terminated. ... On Date of Maturity, the Fund Value will be payable as the Maturity Benefit to the Policyholder, provided the Policy has not already been terminated. Maturity benefit will be payable irrespective of the survival of the Life Assured on the Date of Maturity.","sources":[{"clause":"2","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-smart-insurance-plan-plus-105l204v03/document/22195#c-2"},{"clause":"2","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-smart-insurance-plan-plus-105l204v03/document/22194#c-2"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"Wealth: 5 years to 15 years. Assure: minimum 5 years for age up to 35 and 6 years for age above 35; maximum 15 years.","display":"Wealth: 5-15 years; Assure: 5 years if age <=35, 6 years if age >35, max 15 years","note":"From the sales brochure.","quote":"Minimum / Maximum Premium Payment Term (in years) | 5 years/ 15 years ... Minimum /Maximum Premium Payment Term (in years) | Minimum Premium payment term: For age <=35: 5 years For age>35: 6 years Maximum Premium payment term: 15 years","sources":[{"clause":null,"heading":"A) Wealth Variant","page":8,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-smart-insurance-plan-plus-105l204v03/document/21490#c-a-wealth-variant"},{"clause":null,"heading":"B) Assure Variant","page":8,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-smart-insurance-plan-plus-105l204v03/document/21490#c-b-assure-variant-2"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"Wealth: maximum age at maturity is 75 years. Assure: maximum age at maturity is 60 years.","display":"Wealth: 75 years; Assure: 60 years","note":"From the sales brochure.","quote":"Minimum/Maximum Age at maturity (in years) | Minimum Age at maturity: For Annualised Premium < ₹ 6,00,000 p.a.: 75 years For Annualised Premium >= ₹ 6,00,000 p.a.: 18 years Maximum Age at maturity: 75 years ... Minimum/Maximum Age at maturity (in years) | 33/60","sources":[{"clause":null,"heading":"A) Wealth Variant","page":8,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-smart-insurance-plan-plus-105l204v03/document/21490#c-a-wealth-variant"},{"clause":null,"heading":"B) Assure Variant","page":8,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-smart-insurance-plan-plus-105l204v03/document/21490#c-b-assure-variant-2"}],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"quote-verified","value":"If the Life Assured commits suicide within 12 months from commencement or revival, the policy terminates and only the Fund Value as available on the date of intimation of death, Date of Foreclosure or Date of Maturity, whichever is earlier, is payable. Charges other than Fund Management Charges and guarantee charges recovered after death are added back, and suicide within 12 months from a top-up excludes the corresponding top-up Sum Assured from death benefit calculation.","display":"Within 12 months, only Fund Value is payable; charges other than FMC and guarantee charges added back; top-up sum assured excluded for suicide within 12 months of top-up","note":null,"quote":"If the Life Assured, whether sane or insane, commits suicide for any reason whatsoever within 12 months from the date of commencement of the Policy or from the date of revival of the Policy, as applicable, the Policy will terminate and only the Fund Value as available on the date of intimation of death or Date of Foreclosure or Date of Maturity whichever is earlier, will be payable to the Claimant. Any charges other than Fund Management Charges and guarantee charges, if any, recovered subsequent to the date of death shall be added back to the Fund Value as available on the date of intimation of death or Date of Foreclosure or Date of Maturity whichever is earlier. ... If the Life Assured, whether sane or insane, commits suicide within 12 months from the effective date of any Top-up, then the corresponding Top-up Sum Assured shall not be considered in the calculation of the Death Benefit.","sources":[{"clause":"11","heading":"Payment of claim For processing a claim under this Policy, We will require the","page":9,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-smart-insurance-plan-plus-105l204v03/document/22195#c-11-2"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 21","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 35","url":"https://indiainsurances.com/law/irdai-life-products-2024"}]},{"key":"surrender","label":"Surrender value","section":"Renewal and rights","meaning":"What you get if you stop the policy early, and from when.","status":"quote-verified","value":"During the lock-in period, the Fund Value after applicable discontinuance charges is credited to the Discontinued Policy Fund and risk cover and rider cover cease; the Discontinued Policy Fund Value is payable on the earlier of expiry of the lock-in period or death. After the lock-in period, the Surrender Value as on the date of surrender is payable and the policy terminates.","display":"During lock-in: Fund Value less discontinuance charges moves to DPF, payable at lock-in expiry or death; after lock-in: Surrender Value payable","note":null,"quote":"Surrender during the Lock-in period: On surrender during the Lock-in period, the Fund Value after deducting applicable discontinuance charges shall be credited to the Discontinued Policy Fund and risk cover and rider cover, if any, shall cease. ... You or Claimant will be entitled to receive the Discontinued Policy Fund Value applicable to your Policy, on the earlier of the expiry of the Lock-in Period or death of the Life Assured. Currently the Lock-in Period is five years from Policy inception. ... Surrender after completion of Lock-in period: In case of Surrender of policy after the lock-in period, the Surrender Value, as on the date of Surrender shall be payable to You.","sources":[{"clause":null,"heading":"14.Surrender","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-smart-insurance-plan-plus-105l204v03/document/22195#c-14-surrender"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.1 to 26.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.4 and 26.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 27","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.16 and 1.17","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(1) to (3)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(4) and (5)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(6) to (9)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)(c)(V)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"paid_up","label":"Paid-up value","section":"Renewal and rights","meaning":"What cover continues if you stop paying premiums after a few years.","status":"quote-verified","value":"After the lock-in period, on non-payment after the grace period the policy is converted into reduced paid-up status without rider cover. Reduced paid-up Sum Assured equals Original Sum Assured multiplied by the total number of months premiums have been paid divided by premium payment term times 12.","display":"After lock-in: reduced paid-up status without rider cover; Reduced paid-up SA = Original SA x paid months / (PPT x 12)","note":"During the revival period, death benefit continues as per the policy terms with the Sum Assured revised to the reduced paid-up Sum Assured.","quote":"Premium discontinuance after the Lock-in period: Upon expiry of the Grace Period, in case of Discontinuance of Policy due to non-payment of premium after the Lock-in period, the Policy will be converted into a reduced paid-up Policy with reduced paid-up sum assured. The Policy shall continue to be in reduced paid-up status without rider cover, if any. Reduced paid-up Sum Assured = Original Sum Assured X [total number of months for which premiums have already been paid / (premium payment term X 12)].","sources":[{"clause":"15","heading":"Premium Discontinuance a) Premium discontinuance during Lock-in period","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-smart-insurance-plan-plus-105l204v03/document/22195#c-15"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"The revival period is three years from the date of first unpaid premium. Revival requires payment of all due and unpaid premiums without interest or fee, satisfactory evidence of health at the policyholder's expense, and specific communication by the insurer.","display":"3 years from the date of first unpaid premium","note":null,"quote":"The Revival Period is three years from the date of first unpaid premium. Revival will be based on the prevailing Board approved underwriting guidelines. ... Collect from You, all due and unpaid premiums under this Policy without charging any interest or fee. ... You, at your own expense, furnish satisfactory evidence of health of the Life Assured, as required by Us; ... Revival will take effect only on it being specifically communicated by Us to You.","sources":[{"clause":"17","heading":"Policy revival The Revival Period is three years from the date of first unpaid","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-smart-insurance-plan-plus-105l204v03/document/22195#c-17"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.7","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.28","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.39","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"policy_loan","label":"Policy loan","section":"Renewal and rights","meaning":"Whether you can borrow against the policy.","status":"quote-verified","value":"Loans are not applicable under this policy.","display":"Not applicable","note":null,"quote":"Loans\nNot applicable.","sources":[{"clause":"12","heading":"Loans","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-smart-insurance-plan-plus-105l204v03/document/22195#c-12"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"not-stated","value":null,"display":null,"note":"The wording refers to rider cover, if any, but does not name any riders available with the product.","quote":null,"sources":[],"law":[]},{"key":"section45","label":"Claims after 3 years (Section 45)","section":"Claims","meaning":"After 3 years a life policy cannot be questioned on any ground, and only for fraud with proof before that.","status":"quote-verified","value":"No life insurance policy can be called in question on any ground after 3 years from the later of issuance, commencement of risk, revival or rider date. Within 3 years it may be questioned for fraud or for material misstatement/suppression, with written grounds and materials; for non-fraud misstatement, premiums collected till repudiation are paid within 90 days.","display":"No questioning after 3 yrs; fraud or material misstatement within 3 years with written grounds; non-fraud repudiation refunds premiums within 90 days","note":null,"quote":"No Policy of Life Insurance shall be called in question on any ground whatsoever after expiry of 3 yrs from a) the date of issuance of Policy or b) the date of commencement of risk or c) the date of revival of Policy or d) the date of rider to the Policy whichever is later. ... On the ground of fraud, a Policy of Life Insurance may be called in question within 3 years ... Life insurance Policy can be called in question within 3 years on the ground that any statement of or suppression of a fact material to expectancy of life of the insured was incorrectly made ... within a period of 90 days from the date of repudiation.","sources":[{"clause":"Annexure III","heading":"Section 39 – Nomination by Policyholder","page":11,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-smart-insurance-plan-plus-105l204v03/document/22194#c-annexure-iii"},{"clause":"2","heading":"On the ground of fraud, a Policy of Life Insurance may be called in question","page":12,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-smart-insurance-plan-plus-105l204v03/document/22194#c-2-5"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 45","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"tax_note","label":"Tax note in the document","section":"Premium","meaning":"What the document says about tax benefits. Not stated when it only says taxes are charged on the premium. Tax law changes; confirm separately.","status":"quote-verified","value":"Tax benefits may be applicable on the death benefit and maturity benefit as per prevailing tax laws.","display":"Tax benefits may be applicable as per prevailing tax laws","note":null,"quote":"Tax benefits may be applicable, on Death Benefit, as per the prevailing tax laws. ... Tax benefits may be applicable, on the Maturity Benefit, as per the prevailing tax laws.","sources":[{"clause":"1","heading":"Death Benefit i.On the death of the Life Assured during the Policy Term provided all","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-smart-insurance-plan-plus-105l204v03/document/22194#c-1-2"},{"clause":"2","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-smart-insurance-plan-plus-105l204v03/document/22194#c-2"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":null,"quote":"Freelook Period (30 days refund policy) On receipt of the Policy Document, whether received electronically or otherwise, You have an option to review the Policy terms and conditions. If You are not satisfied or have any disagreement with the terms and conditions of the Policy or otherwise and have not made any claim, the Policy Document needs to be returned to the Company with reasons for cancellation within 30 days from the date of receipt of the Policy Document.","sources":[{"clause":"1","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-smart-insurance-plan-plus-105l204v03/document/22195#c-1-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":15},"display":"15 days monthly; 30 days other frequencies","note":"15 days applies to monthly frequency; 30 days applies to any other frequency.","quote":"be given a grace period of 15 days for payment of due Premium Instalment if You have chosen monthly frequency, and 30 days for payment of due Premium Instalment if You have chosen any other frequency, commencing from the premium due date. The life cover continues during the grace period.","sources":[{"clause":"4","heading":"Grace Period If You are unable to pay Premium Instalment by the due date, You will","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-smart-insurance-plan-plus-105l204v03/document/22195#c-4"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Wealth: minimum entry age 0 years and maximum 50 years. Assure: minimum entry age 18 years and maximum 40 years.","display":"Wealth: 0-50 years; Assure: 18-40 years","note":"From the sales brochure.","quote":"Minimum/ Maximum age at entry (in years) | 0 years/ 50 years ... Minimum/ Maximum age at entry (in years) | 18 years/ 40 years","sources":[{"clause":null,"heading":"A) Wealth Variant","page":8,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-smart-insurance-plan-plus-105l204v03/document/21490#c-a-wealth-variant"},{"clause":null,"heading":"B) Assure Variant","page":8,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-smart-insurance-plan-plus-105l204v03/document/21490#c-b-assure-variant-2"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Annual","halfyearly","monthly"],"display":"Annual, halfyearly or monthly","note":null,"quote":"Modes of premium payment permitted are: Annual, halfyearly or monthly.","sources":[{"clause":"3","heading":"Premium payment i. Modes of premium payment permitted are","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-smart-insurance-plan-plus-105l204v03/document/22195#c-3"}],"law":[]},{"key":"premium_type","label":"Premium payment type","section":"Premium","meaning":"Single premium, regular premium (every year of the term) or limited premium (fewer years than the term).","status":"quote-verified","value":["Premium Payment Term"],"display":"Premiums are paid for the Premium Payment Term","note":"The documents state a premium payment term and do not use the labels single, regular or limited premium.","quote":"You are required to pay Premiums for the entire premium payment term. ... Premium Payment Term means the period specified in the Policy Schedule during which Premium is payable.","sources":[{"clause":"3","heading":"Premium payment i. Modes of premium payment permitted are","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-smart-insurance-plan-plus-105l204v03/document/22195#c-3"},{"clause":"1","heading":"Age","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-smart-insurance-plan-plus-105l204v03/document/22195#c-1"}],"law":[]},{"key":"lock_in","label":"Lock-in period","section":"Renewal and rights","meaning":"Years before you can withdraw. ULIPs have a 5-year lock-in.","status":"quote-verified","value":{"unit":"years","amount":5},"display":"five consecutive completed years","note":null,"quote":"Lock-in-Period means the period of five consecutive completed years from the Risk Commencement Date of the Policy, during which period the proceeds of the discontinued policies cannot be paid by Us to You","sources":[{"clause":"1","heading":"Age","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-smart-insurance-plan-plus-105l204v03/document/22195#c-1"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 42","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 54.1 and 54.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.22 to 1.24","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vii) to (ix)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"funds","label":"Fund options","section":"Cover","meaning":"The investment funds you can choose and their risk.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"premium_allocation_charge","label":"Premium allocation charge","section":"Charges","meaning":"Part of each premium taken before investing.","status":"quote-verified","value":"There is zero (0%) premium allocation charge applicable for this product.","display":"0%","note":null,"quote":"There is zero (0%) premium allocation charge applicable for this product.","sources":[{"clause":"1","heading":"Premium Allocation Charge There is zero (0%) premium allocation charge","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-smart-insurance-plan-plus-105l204v03/document/22195#c-1-4"}],"law":[]},{"key":"policy_admin_charge","label":"Policy administration charge","section":"Charges","meaning":"Monthly charge deducted from your fund.","status":"quote-verified","value":"There is zero (0%) policy administration charge applicable for this product.","display":"0%","note":null,"quote":"There is zero (0%) policy administration charge","sources":[{"clause":"2","heading":"Policy Administration Charge There is zero (0%) policy administration charge","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-smart-insurance-plan-plus-105l204v03/document/22195#c-2-3"}],"law":[]},{"key":"fund_management_charge","label":"Fund management charge","section":"Charges","meaning":"Yearly charge on fund value; capped at 1.35% by IRDAI.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"mortality_charge","label":"Mortality charge","section":"Charges","meaning":"Cost of life cover, deducted monthly by age.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"discontinuance_charge","label":"Discontinuance charge","section":"Charges","meaning":"Charge if you stop paying in the first five years.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"switches_withdrawals","label":"Switches and partial withdrawals","section":"Renewal and rights","meaning":"Free fund switches and withdrawals after lock-in.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"ICICI Pru Smart Insurance Plan Plus Assure option Ver 105L204V03 valid from 15062026 to 09082026","pages":12,"fetched_at":"2026-10-20 01:15:20+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/2026/ICICI_Pru_Smart_Insurance_Plan_Plus_Assure_option_Ver_105L204V03_valid_from_15062026_to_till_date.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-smart-insurance-plan-plus-105l204v03/document/22188"},{"kind":"wording","label":"ICICI Pru Smart Insurance Plan Plus Assure option Ver 105L204V03 valid from 10082026 to 04102026","pages":12,"fetched_at":"2026-10-20 01:15:24+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/2026/ICICI_Pru_Smart_Insurance_Plan_Plus_Assure_option_Ver_105L204V03_valid_from_10082026_to_till_date.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-smart-insurance-plan-plus-105l204v03/document/22190"},{"kind":"wording","label":"ICICI Pru Smart Insurance Plan Plus Wealth option Ver 105L204V03 valid from 15062026 to 09082026","pages":12,"fetched_at":"2026-10-20 01:15:22+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/2026/ICICI_Pru_Smart_Insurance_Plan_Plus_Wealth_option__Ver_105L204V03_valid_from_15062026_to_till_date.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-smart-insurance-plan-plus-105l204v03/document/22191"},{"kind":"wording","label":"ICICI Pru Smart Insurance Plan Plus Wealth option Ver 105L204V03 valid from 10082026 to 04102026","pages":12,"fetched_at":"2026-10-20 01:15:26+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/2026/ICICI_Pru_Smart_Insurance_Plan_Plus_Wealth_option__Ver_105L204V03_valid_from_10082026_to_till_date.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-smart-insurance-plan-plus-105l204v03/document/22192"},{"kind":"wording","label":"ICICI Life Smart Insurance Plan Plus Assure option Ver 105L204V03 valid from 05102026 to till date","pages":12,"fetched_at":"2026-10-20 01:15:28+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/2026/ICICI_Life_Smart_Insurance_Plan_Plus_Assure_option_Ver_105L204V03_valid_from_05102026_to_till_date.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-smart-insurance-plan-plus-105l204v03/document/22194"},{"kind":"wording","label":"ICICI Life Smart Insurance Plan Plus Wealth option Ver 105L204V03 valid from 05102026 to till date","pages":12,"fetched_at":"2026-10-20 01:15:30+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/2026/ICICI_Life_Smart_Insurance_Plan_Plus_Wealth_option__Ver_105L204V03_valid_from_05102026_to_till_date.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-smart-insurance-plan-plus-105l204v03/document/22195"},{"kind":"brochure","label":"ICICI Life Smart Insurance Plan Plus","pages":41,"fetched_at":"2026-10-20 00:46:31+00","source_url":"https://www.icicilife.com/content/dam/icicipru/brochures/ICICI_Pru_SIP_Plus_Brochure.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-smart-insurance-plan-plus-105l204v03/document/21490"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"ICICI Life Insurance official website","url":"https://www.icicilife.com","note":"Website as listed by IRDAI. Not checked: the site blocks automated requests (bot wall) for our crawler on 2026-10-19; we do not bypass walls."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"ICICI Life Smart Insurance Plan Plus (UIN 105L204V03), IndiaInsurances, https://indiainsurances.com/policy/icici-life-insurance/icici-life-smart-insurance-plan-plus-105l204v03"}