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Everything You Need To Know About Life Insurance Riders Offered By ICICI Prudential Life Insurance

Published On Oct 14, 2021 10:00 AM By InsuranceDekho

What is ICICI Prudential Life Insurance?

ICICI Prudential Life Insurance Company Limited (ICICI Prudential Life) is advanced by ICICI Bank Limited and Prudential Corporation Holdings Limited. ICICI Prudential Life started its activities in the financial year 2001. On a retail weighted got top notch premise (RWRP), it has reliably been among the top organizations in the Indian life coverage area. Our Assets Under Management (AUM) at 30th June 2021 were '2,231.71 billion. 

ICICI Prudential offerS long haul investment funds and assurance items to meet diverse life stage necessities of our clients. We have created and carried out different drives to give practical items, unrivaled quality administrations, predictable asset execution and a problem free case settlement experience to our clients. They are well known for their Life Insurance Rider too. 

Different Type of ICICI Prudential Riders 

Have a look at the various kinds of ICICI Prudential Riders and what their advantages and capacities are: 

1. ICICI Prudential Term Benefit Rider 

The ICICI Prudential Term Benefit Rider can be added at the initiation of the base protection strategy or when you are reestablishing your arrangement. Under this rider, you can get a passing advantage on the demise of the policyholder. It is a single amount that is paid out to the chosen people. 

2. ICICI Prudential Accidental Death Benefit Rider 

In the event that the existence safeguarded under the protection plan kicks the bucket from a mishap, the candidates will get an extra demise advantage from this rider. It is paid out inside 120 days of the mishap and the resulting guarantee made by the nominee(s). 

3. ICICI Prudential Critical Illness Plus Rider 

This rider gives monetary assistance if the policyholder experiences any basic disease. The basic ailment should be pre-indicated and confirmed by a guaranteed clinical professional. The exhaustive rundown of basic illnesses covered by this rider can be found in the item handout. It incorporates such diseases as kidney disappointment, malignancy and the sky's the limit from there. 

4. ICICI Prudential Life Guardian Benefit Rider 

This rider is accessible for those protection plans wherein the policyholder and the existence guaranteed are two distinct people. Under this rider, all future payable expenses are postponed if the policyholder passes on before the finish of the approach term. 

5. ICICI Prudential Accidental Disability Guardian Benefit Rider 

This rider likewise postpones all future charges under the base protection plan on the off chance that the policyholder turns out to be for all time crippled because of any mishap. The incapacity should be demonstrated as per the general inclination of the organization to profit the advantages from this rider. 

6. ICICI Prudential Permanent Disability Rider 

In the event that the policyholder experiences a long-lasting inability, this rider pays out an advantage throughout five years. The aggregate sum given out is 120% of the Rider Sum Assured. There are no demise benefits under this rider except for if the policyholder passes on inside the advantage installment stage, the excess limited advantage is paid out in singular amounts. 


A ICICI Prudential Rider is a reasonable and productive approach to get extensive defensive cover from your protection plan. Be ready for all circumstances and remain calm with ICICI Prudential Riders.

Also read - How to choose riders effectively for your insurance plan?

What does a rider mean in a life insurance plan?

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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