{"uin":"105N209V02","name":"ICICI Life iProtect Care","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-care-105n209v02","insurer":{"slug":"icici-life-insurance","name":"ICICI Life Insurance Company Limited","url":"https://indiainsurances.com/insurer/icici-life-insurance"},"line":"life","category":"term-life","category_name":"Term life","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"ICICI Pru iProtect Care is a non-participating non-linked individual pure risk life insurance product with Life and Enhanced Protection variants. The death benefit is based on the highest of 7 times annualized premium, 105% of total premiums paid or the sum assured, and no benefit is payable on survival to maturity.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:38:17.360876+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":["Life","Enhanced Protection"],"display":"Life; Enhanced Protection","note":"The variant is chosen at inception and cannot be changed during the policy term or extended policy term.","quote":"This Policy consist of two plan variants namely Life and Enhanced Protection.","sources":[{"clause":"Part C","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-care-105n209v02/document/21947#c-part-c"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The specimen wording says the Policy Term is as specified in the Policy Schedule, but does not print a duration or range.","quote":null,"sources":[],"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 refers to receipt of claim intimation but does not print a deadline for intimating a death or terminal illness claim.","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","Medico-legal cause of death certificate","First Information Report (FIR) from the police authority","Inquest/ Panchnama Report","Final police investigation report","Post Mortem Report (PMR) issued by the hospital","Viscera / Chemical examination report","Newspaper Cutting, if any","Driving License (of the Life Assured driving the vehicle in case of death due to a road accident)","Hospitalization / treatment records if any","Duly filled in Medical/ Hospital Attendant Certificate","Duly filled in Employer Certificate (only if Life Assured was a salaried individual)","Medico-legal / Medical cause of death certificate","Past medical records and treatment papers","All hospitalization records of the Life Assured","Duly filled in Treating Doctor Certificate"],"display":"Claimant statement, death certificate, claimant KYC/photo, PAN/Form 97, payout mandate and bank proof; cause-specific medical, police, post-mortem, hospital and employer documents as relevant.","note":"Documents are required as may be relevant, and additional cause-of-death documents apply to unnatural or natural/medical deaths.","quote":"For processing a death 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. • Medico-legal cause of death certificate • First Information Report (FIR) from the police authority • Inquest/ Panchnama Report • Final police investigation report • Post Mortem Report (PMR) issued by the hospital • Viscera / Chemical examination report • Newspaper Cutting, if any • Driving License (of the Life Assured driving the vehicle in case of death due to a road accident) • Hospitalization / treatment records if any • Duly filled in Medical/ Hospital Attendant Certificate • Duly filled in Employer Certificate (only if Life Assured was a salaried individual) ... B. In Case of death due to Natural or medical causes (death at home, hospital) • Medico-legal / Medical cause of death certificate • Past medical records and treatment papers • All hospitalization records of the Life Assured such as: i. Admission form ii. Indoor Case Papers (ICPs) iii. Discharge summary iv. Diagnostic test reports such as USG, Pathology / Lab reports etc., • Duly filled in Treating Doctor Certificate • Duly filled in Employer Certificate (only if Life Assured was a salaried individual) • Duly filled in Medical/ Hospital Attendant Certificate","sources":[{"clause":"10","heading":null,"page":6,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-care-105n209v02/document/21947#c-10-2"}],"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":"quote-verified","value":"An accelerated Death Benefit of ₹ 3,00,000 is processed within one working day from the claim registration date, for eligible policies. The wording does not print a final death claim settlement time.","display":"Accelerated Death Benefit of ₹ 3,00,000 within one working day from claim registration date","note":"Applies only where Sum Assured is at least ₹ 1,00,00,000 and not in the first three policy years from commencement of risk or revival, whichever is later.","quote":"the Company shall pay an accelerated Death Benefit of ₹ 3,00,000/- (Rupees Three Lakhs only). This accelerated Death Benefit shall be processed by the Company within one working day from the claim registration date. The feature is applicable only for those policies where the Sum Assured is greater than or equal to ₹ 1,00,00,000/- (Rupees One Crore only). ... This accelerated Death Benefit, as applicable, is not payable in case of death of the Life Assured during the first three Policy Years from the Date of Commencement of Risk or that from the Date of Revival of the policy whichever is later.","sources":[{"clause":"10","heading":"Insta Payment on claim Intimation","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-care-105n209v02/document/21947#c-10"}],"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":["In the event of death of the Life Assured during the first 90 days from the Date of Commencement of Risk (“Waiting Period”), no Death Benefit shall be payable.","In the event of the death of the Life Assured on the Date of Maturity, then Death Benefit shall not be payable","in the event of the death of the Life Assured on the Extended Date of Maturity, then Death Benefit shall not be payable","On survival of the Life Assured till the Date of Maturity/ Extended Date of Maturity (if applicable) for a fully paid policy, no benefit is payable","Terminal Illness Benefit will not be available in case policy is sourced through POS personnel.","the Terminal Illness Benefit will not be available during the Extended Policy Term.","If the Life Assured, whether sane or insane, commits suicide within 12 months from the Date of commencement of risk of this Policy, We will refund higher of 80% of the Total Premiums Paid","In the case of a revived Policy, if the Life Assured, whether sane or insane, commits suicide within 12 months of the date of revival of the Policy, We will refund higher of 80% of the Total Premiums Paid"],"display":"POS death waiting period of 90 days, no death benefit on the maturity date or extended maturity date, no survival benefit, terminal illness exclusions for POS and extended term, and suicide limits within 12 months.","note":"For POS policies, the 90-day death waiting period does not apply where death is due to an accident.","quote":"In the event of death of the Life Assured during the first 90 days from the Date of Commencement of Risk (“Waiting Period”), no Death Benefit shall be payable. ... For Life Variant (where renewability option has not been exercised) and for Enhanced Protection Variant, in the event of the death of the Life Assured on the Date of Maturity, then Death Benefit shall not be payable ... For Life variant where Renewability Option has been exercised, in the event of the death of the Life Assured on the Extended Date of Maturity, then Death Benefit shall not be payable ... On survival of the Life Assured till the Date of Maturity/ Extended Date of Maturity (if applicable) for a fully paid policy, no benefit is payable ... Terminal Illness Benefit will not be available in case policy is sourced through POS personnel. ... In case the Policyholder chooses to exercise the Renewability Option, the Terminal Illness Benefit will not be available during the Extended Policy Term. ... If the Life Assured, whether sane or insane, commits suicide within 12 months from the Date of commencement of risk of this Policy, We will refund higher of 80% of the Total Premiums Paid ... In the case of a revived Policy, if the Life Assured, whether sane or insane, commits suicide within 12 months of the date of revival of the Policy, We will refund higher of 80% of the Total Premiums Paid","sources":[{"clause":"6(i)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-care-105n209v02/document/21947#c-6-i-2"},{"clause":"3(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-care-105n209v02/document/21947#c-3-i"},{"clause":"9(i)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-care-105n209v02/document/21947#c-9-i"},{"clause":"5(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-care-105n209v02/document/21947#c-5-a"},{"clause":"11","heading":null,"page":6,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-care-105n209v02/document/21947#c-11-2"}],"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 mobile app or website, advisor, customer service number, branch or customer service desk. If unresolved or unsatisfied, submit the concern to the Grievance Redressal Officer, then escalate to the internal Grievance Redressal Committee before approaching IRDAI or the Insurance Ombudsman.","display":"Customer service first; then GRO; 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:\nIf 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) ... ii.Grievance Redressal Committee:\nIf 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":null,"heading":"Policy Servicing and Grievance Handling Mechanism 1.Customer service","page":6,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-care-105n209v02/document/21947#c-policy-servicing-and-grievance-handling-mechanis"}],"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 Life Variant, Sum Assured is the absolute amount mentioned in the policy schedule. For Enhanced Protection, Sum Assured is the aggregate of the absolute amount mentioned in the policy schedule and all incremental Sum Assureds purchased and applicable as on the date of death.","display":"Life: absolute amount in policy schedule; Enhanced Protection: schedule amount plus applicable incremental Sum Assureds","note":null,"quote":"Sum Assured for Life Variant, Sum Assured means the absolute amount mentioned in the policy schedule. For Enhanced Protection, Sum Assured shall be the aggregate of the absolute amount mentioned in the policy schedule and all incremental Sum Assured(s) purchased and applicable as on the date of death.","sources":[{"clause":"1","heading":"Age","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-care-105n209v02/document/21947#c-1"}],"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":"On death during the policy term while the policy is in force, the death benefit is payable to the claimant. For Life it is the highest of 7 times the annualized premium payable during the policy term, 105% of total premiums paid up to death, or the Sum Assured in the policy schedule; for Enhanced Protection it is the highest of 7 times annualized premium, 105% of total premiums paid up to death, or the Sum Assured applicable on the date of death.","display":"Highest of 7 times Annualized Premium, 105% of Total Premiums Paid up to death, or Sum Assured","note":"Life Variant has a renewability option with a separate death benefit formula during the extended policy term. Enhanced Protection does not have the renewability option.","quote":"In the event of death of the Life Assured during the Policy Term, We shall pay the Death Benefit to the Claimant. This is applicable, provided all due Premiums have been paid and the Policy is In Force as on the date of death of the Life Assured. Death Benefit payable shall be the highest of: i. 7 times the Annualized Premium payable during the Policy Term; ii. 105% of the Total Premiums Paid up to the date of death of the Life Assured; or iii. the Sum Assured as stated in Your Policy Schedule. ... In the event of death of the Life Assured during the Policy Term, We shall pay the Death Benefit to the Claimant. This is applicable, provided all due Premiums have been paid and the Policy is In Force as on the date of death of the Life Assured. Death Benefit payable shall be the highest of: a. 7 times the Annualized Premium; or b. 105% of the Total Premiums Paid up to the date of death of the Life Assured; or c. the Sum Assured (as applicable on the date of death of the Life Assured)","sources":[{"clause":"1(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-care-105n209v02/document/21947#c-1-a"},{"clause":"2(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-care-105n209v02/document/21947#c-2-i"}],"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":"On survival to the date of maturity or extended date of maturity, no benefit is payable and the policy terminates.","display":"No benefit payable on survival to maturity","note":null,"quote":"On survival of the Life Assured till the Date of Maturity/ Extended Date of Maturity (if applicable) for a fully paid policy, no benefit is payable and the policy shall terminate and all rights, benefits and interests under the policy shall stand extinguished.","sources":[{"clause":"9(i)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-care-105n209v02/document/21947#c-9-i"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"Regular Pay means premiums are paid throughout the policy term or extended policy term, if applicable. Limited Pay means premiums are paid regularly for a limited number of years of the policy term; the actual premium payment term is specified in the policy schedule.","display":"Regular Pay throughout the Policy Term/Extended Policy Term; Limited Pay for a limited number of years","note":"The specimen wording does not print specific premium payment term durations.","quote":"Limited Pay means premiums need to be paid regularly for a limited number of years of the Policy Term. ... Premium Payment Term means the period specified in the Policy Schedule during which Premium Instalment is payable by You. ... Regular Pay means premiums need to be paid regularly throughout the Policy Term/ Extended Policy Term (if applicable).","sources":[{"clause":"1","heading":"Age","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-care-105n209v02/document/21947#c-1"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"not-stated","value":null,"display":null,"note":"No maximum maturity age is printed in the specimen wording.","quote":null,"sources":[],"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 suicide occurs within 12 months from commencement of risk while the policy is in force, the insurer refunds the higher of 80% of total premiums paid till death or the policy cancellation value available on the date of death. Similar 12-month suicide conditions apply after revival, to increased sum assured tranches under Enhanced Protection, and during the extended policy term after renewability.","display":"Within 12 months: higher of 80% of Total Premiums Paid or Policy Cancellation Value","note":null,"quote":"If the Life Assured, whether sane or insane, commits suicide within 12 months from the Date of commencement of risk of this Policy, We will refund higher of 80% of the Total Premiums Paid, if any till the date of death or Policy Cancellation Value as available on the date of death, provided the Policy is In force. ... In the case of a revived Policy, if the Life Assured, whether sane or insane, commits suicide within 12 months of the date of revival of the Policy, We will refund higher of 80% of the Total Premiums Paid, if any till date of death or Policy Cancellation Value as available on date of death. ... If the Life Assured whether sane or insane dies due to suicide within 12 months of date of commencement of risk for any tranche of increase in Sum Assured under ‘Enhanced Protection’ variant, then the company will pay higher of the 80% of the additional premium paid or Policy Cancellation Value pertaining to the latest increase in Sum Assured. ... In case renewability option has been exercised, Suicide conditions will also be applicable for any death of the Life Assured whether sane or insane due to suicide within 12 months from the Date of Maturity/ date of revival of the Policy during the extended policy term.","sources":[{"clause":"11","heading":null,"page":6,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-care-105n209v02/document/21947#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":"Surrender benefit is not applicable. On policy cancellation, a Policy Cancellation Value equal to the unexpired risk premium value is payable; for Regular Pay it is 0, and for Limited Pay it is 0 unless one full year's premium has been paid.","display":"No surrender benefit; Policy Cancellation Value may be payable on cancellation","note":"For Enhanced Protection, the value is computed separately for each tranche of increased Sum Assured and summed.","quote":"Surrender benefit is not applicable under this Policy. ... On Policy Cancellation, Policy Cancellation Value equal to Unexpired risk premium value will be payable to You: i. Limited Pay • If one full years’ premium is not paid, Unexpired risk premium value = 0. • If one full years’ premium has been paid, then the Unexpired risk premium value = 25% x [Number of months for which premiums are paid / (Premium Payment Term x 12)] x [1 – (Policy Month of cancellation\n-1) / (Policy Term x 12)] x Total Premiums Paid. ii. Regular Pay Unexpired risk premium value = 0","sources":[{"clause":"3","heading":"Surrender","page":5,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-care-105n209v02/document/21947#c-3-2"},{"clause":"4","heading":"Policy Cancellation Value","page":5,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-care-105n209v02/document/21947#c-4-2"}],"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":"There is no paid-up value under this policy.","display":"No paid-up value","note":null,"quote":"There is no paid-up value under this Policy.","sources":[{"clause":"2","heading":"Paid-up Value","page":5,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-care-105n209v02/document/21947#c-2-2"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"A lapsed policy may be revived within 5 years from the due date of the first unpaid premium and before the maturity or extended maturity date, subject to underwriting, health evidence, payment of arrears with interest and the insurer's approval.","display":"Within 5 years from the due date of the first unpaid Premium","note":null,"quote":"A Policy which has lapsed for non-payment of Premium within the Grace Period may be revived subject to underwriting and the following conditions: a) An application for Revival is made within 5 years from the due date of the first unpaid Premium and before the Date of Maturity/ Extended Date of Maturity (if applicable) of the Policy. ... c) You furnish, at your own expense, satisfactory evidence of health of the Life Assured as required by Us. d) The arrears of Premiums together with interest at such rate as We may charge for late payment of Premiums are paid.","sources":[{"clause":"8","heading":"Revival","page":5,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-care-105n209v02/document/21947#c-8-2"}],"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 provided under this policy.","display":"No policy loans","note":null,"quote":"We will not provide loans under this Policy.","sources":[{"clause":"7","heading":"Loan","page":5,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-care-105n209v02/document/21947#c-7-2"}],"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(s), if any, but does not name any optional riders.","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 communication of the grounds and materials; for non-fraud misstatement, premiums collected are paid within 90 days from repudiation.","display":"Cannot be called in question after 3 years; fraud or material misstatement can be questioned within 3 years","note":"For Enhanced Variant incremental sum assured and the effective sum assured during the Extended Policy Term, Section 45 applies from the date of commencement of risk for those amounts.","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 ... In case repudiation is on ground of misstatement and not on fraud, the premium collected on policy till the date of repudiation shall be paid to the insured or legal representative or nominee or assignees of insured, within a period of 90 days from the date of repudiation.","sources":[{"clause":"Appendix III","heading":"Section 45 – Policy shall not be called in question on","page":9,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-care-105n209v02/document/21947#c-appendix-iii"}],"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":"The death benefit amount may be taxable as per prevailing tax laws, and all benefits payable under the policy are subject to tax laws and other financial enactments as they exist from time to time.","display":"Death Benefit may be taxable; benefits subject to tax laws","note":null,"quote":"The Death Benefit amount may be taxable as per the prevailing tax laws. ... All benefits payable under the Policy are subject to the tax laws and other financial enactments as they exist from time to time.","sources":[{"clause":"3(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-care-105n209v02/document/21947#c-3-i"},{"clause":"9","heading":"Legislative changes All benefits payable under the Policy are","page":6,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-care-105n209v02/document/21947#c-9-3"}],"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":"Free look cancellation cannot be availed during the Extended Policy Term.","quote":"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 at the time of original purchase of the policy.","sources":[{"clause":"1","heading":"Free look Period (30 days refund policy)","page":5,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-care-105n209v02/document/21947#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":30},"display":"30 days; 15 days for monthly frequency","note":"15 days applies if monthly frequency is chosen; 30 days applies for any other frequency.","quote":"you will be given a grace period of 15 days for payment of due instalment Premium if You have chosen monthly frequency, and 30 days for payment of due instalment Premium if You have chosen any other frequency, commencing from the premium due date. The life cover continues during the grace period.","sources":[{"clause":"11","heading":"Grace Period","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-care-105n209v02/document/21947#c-11"}],"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":"not-stated","value":null,"display":null,"note":"The specimen wording does not print the youngest or oldest entry age.","quote":null,"sources":[],"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":["Yearly","Half-yearly","Monthly"],"display":"Yearly; Half-yearly; Monthly","note":"The same clause also lists payment instruments such as cheque, demand draft, electronic clearing, direct debit and credit or debit cards; these are not premium frequencies.","quote":"Premium frequency | Loading as a % of Premium\nDeferred Amount. iv. This benefit option is available subject to the\nYearly | NA\nfollowing additional terms and conditions: a. To be eligible for\nHalf-yearly | 2%\nPremium Break, the Policy must be In-force and the Premiums must\nMonthly | 5%","sources":[{"clause":"8(i)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-care-105n209v02/document/21947#c-8-i"}],"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":["Limited Pay","Regular Pay"],"display":"Limited Pay; Regular Pay","note":null,"quote":"Limited Pay means premiums need to be paid regularly for a limited number of years of the Policy Term. ... Regular Pay means premiums need to be paid regularly throughout the Policy Term/ Extended Policy Term (if applicable).","sources":[{"clause":"1","heading":"Age","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-care-105n209v02/document/21947#c-1"}],"law":[]},{"key":"return_of_premium","label":"Return of premium option","section":"Cover","meaning":"Whether premiums come back if you survive the term, and at what cost. 'No' only when the document says no maturity benefit is payable.","status":"quote-verified","value":"There is no maturity return of premium because no benefit is payable on survival to maturity. A separate Smart Exit Benefit lets the policyholder cancel the policy and receive Total Premiums Paid after the 25th Policy Year, subject to conditions.","display":"No maturity benefit; Smart Exit can return Total Premiums Paid after 25th Policy Year","note":"Smart Exit also requires the life assured to be age 60 years or more, the policy to be in force with all premiums paid, no underlying benefit claim registered/evaluated/accepted/paid/being paid, and the policy not to be in the Premium Break Period.","quote":"On survival of the Life Assured till the Date of Maturity/ Extended Date of Maturity (if applicable) for a fully paid policy, no benefit is payable ... You have an option to cancel the Policy and receive Smart Exit Benefit, equal to Total Premiums Paid* under the Policy. ... This option can be exercised only after the 25th Policy Year but not during the last 5 Policy Years of the Policy Term.","sources":[{"clause":"9(i)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-care-105n209v02/document/21947#c-9-i"},{"clause":"6(i)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-care-105n209v02/document/21947#c-6-i"}],"law":[]},{"key":"payout_options","label":"Payout options","section":"Cover","meaning":"Lump sum, monthly income, or a mix for your family.","status":"quote-verified","value":"The death benefit can be paid under a Lump Sum Option, where the entire death benefit is paid as a lump sum, or an Increasing Income Option, where it is paid in monthly instalments for 10 years starting at 10% per annum in the first year and increasing at 3.5% p.a. simple interest each year. The claimant can convert outstanding monthly income into a lump sum payout.","display":"Lump Sum Option or Increasing Income Option for 10 years","note":"In the Extended Policy Term, death benefit is payable as lump sum only.","quote":"there are two payout options for the Death Benefit payable in the event of death or diagnosis of Terminal Illness (If applicable) of the Life Assured during the Policy Term. ... a. Lump Sum Option – if this option is chosen then the entire Death Benefit amount is payable as lump sum to the Claimant. b. Increasing Income Option – if this option is chosen then the Death Benefit is payable in monthly instalments for 10 years starting with 10% of the benefit amount per annum in the first year. The income amount will increase at 3.5% p.a. simple interest every year thereafter. ... At the time of intimation of death or Terminal Illness (if applicable) claim and at any time after the start of monthly income, the Claimant will have the option to convert the outstanding monthly income into lump sum pay out","sources":[{"clause":"4(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-care-105n209v02/document/21947#c-4-i"}],"law":[]},{"key":"terminal_illness","label":"Terminal illness benefit","section":"Cover","meaning":"Whether part of the cover is paid early on diagnosis of a terminal illness.","status":"quote-verified","value":"For an in-force policy, diagnosis of Terminal Illness during the policy term accelerates the death benefit and pays it as per the chosen death benefit payout option. It is not an additional benefit, the policy terminates after payment, it is not available for POS-sourced policies, and it is not available during the Extended Policy Term.","display":"Accelerated Death Benefit on Terminal Illness; not an additional benefit","note":"Terminal illness requires diagnosis by two independent Medical Practitioners specializing in the illness, highly likely to lead to death within 6 months, and confirmation by Medical Practitioners registered with the Indian Medical Association and approved by the Company.","quote":"In the event the Life Assured is diagnosed with a Terminal Illness during the Policy Term, for an In-force policy, Death Benefit will be payable to the Claimant as per the Death Benefit Payout Option chosen by You and as stated in Your Policy Schedule. b. Terminal Illness Benefit only accelerates the Death Benefit payable under the Policy and is not an additional benefit. c. On payment of this benefit, the Policy will terminate ... Terminal Illness Benefit will not be available in case policy is sourced through POS personnel. ... the Terminal Illness Benefit will not be available during the Extended Policy Term.","sources":[{"clause":"5(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-care-105n209v02/document/21947#c-5-a"}],"law":[]},{"key":"increasing_cover","label":"Increasing or life-stage cover","section":"Cover","meaning":"Options to raise cover over time or at marriage or childbirth.","status":"quote-verified","value":"Under Enhanced Protection, at the end of each five-policy-year interval the Sum Assured can be increased by 20% of the Sum Assured mentioned in the policy schedule, subject to additional premium and underwriting. The increase can continue until the Sum Assured becomes no more than 200% of the scheduled Sum Assured, the life assured attains age 50 years, or at least one year of premium payment term is outstanding, whichever happens earlier.","display":"Enhanced Protection: 20% increase every 5 Policy Years, up to no more than 200%","note":"The first increase can happen at the start of the sixth Policy Year. The policyholder can opt out, and once opted out cannot opt in again.","quote":"At the end of each five-Policy Year interval, the Sum Assured of this Policy can be increased by 20% of the Sum Assured as mentioned in Your Policy Schedule. This increase in Sum Assured is subject to payment and realization of additional premium and fulfilment of the underwriting guidelines of the Company as may be applicable from time to time. ... This increase shall continue till the Sum Assured becomes no more than 200% of the Sum Assured mentioned in the Policy Schedule, or until the Life Assured attains the age of 50 years, or at least one year of the premium payment term is outstanding, whichever happens earlier.","sources":[{"clause":"2(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-care-105n209v02/document/21947#c-2-i"}],"law":[]},{"key":"waiver_of_premium","label":"Waiver of premium","section":"Cover","meaning":"Whether future premiums stop on disability or critical illness.","status":"not-stated","value":null,"display":null,"note":"No waiver of future premiums on disability or critical illness is printed. The wording describes Premium Break as postponement of the deferred amount, not a waiver.","quote":null,"sources":[],"law":[]},{"key":"medicals","label":"Medical tests","section":"Eligibility","meaning":"Whether medical tests are needed, and at what cover.","status":"not-stated","value":null,"display":null,"note":"The wording mentions medical underwriting and evidence of health for certain options, but does not state whether medical tests are needed or any cover threshold.","quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"ICICI Pru iProtect Care - Valid from 16022026 to 09042026 UIN 105N209V01","pages":8,"fetched_at":"2026-10-20 01:07:15+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/2026/ICICI_Pru_iProtect_Care_Valid_from_16022026_to_till_date_UIN_105N209V01.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-care-105n209v02/document/21946"},{"kind":"wording","label":"ICICI Pru iProtect Care - Valid from 10042026 to 30062026 UIN 105N209V02","pages":9,"fetched_at":"2026-10-20 01:07:18+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/2026/ICICI_Pru_iProtect_Care_Valid_from_10042026_to_till_date_UIN_105N209V02.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-care-105n209v02/document/21947"},{"kind":"wording","label":"ICICI Pru iProtect Care - Valid from 01072026 to 04102026 UIN 105N209V03","pages":9,"fetched_at":"2026-10-20 01:07:20+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/2026/ICICI_Pru_iProtect_Care_Valid_from_01072026_to_till_date_UIN_105N209V03.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-care-105n209v02/document/21950"},{"kind":"wording","label":"ICICI Life iProtect Care - Valid from 05102026 to till date UIN 105N209V03","pages":7,"fetched_at":"2026-10-20 01:07:21+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/2026/ICICI_Life_iProtect_Care-Valid_from_05102026_to_till_date_UIN_105N209V03.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-care-105n209v02/document/21951"},{"kind":"brochure","label":"ICICI Life iProtect Care","pages":26,"fetched_at":"2026-10-20 00:42:49+00","source_url":"https://www.icicilife.com/content/dam/icicipru/brochures/ICICI_Pru_iProtect_Care_Brochure.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-care-105n209v02/document/21433"}],"versions":[{"uin":"105N209V03","version":null,"approved_on":null},{"uin":"105N209V01","version":null,"approved_on":null},{"uin":"105N209V02","version":null,"approved_on":null}],"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 iProtect Care (UIN 105N209V02), IndiaInsurances, https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-care-105n209v02"}