ICICI Precious Life Term
- Covers pre-existing diseases
- 5% loyalty discount
- Accidental death benefit
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Are you suffering from any pre-existing diseases? Then, getting a term plan might be difficult for you. But not anymore. ICICI Prudential’s Precious term plan offered by ICICI Pru Life Insurance Company is specifically designed for you which covers your pre-existing diseases such as high blood pressure, asthma, and hypertension, obesity, diabetes, and covers you even if you have recovered from cancer or any other surgeries.
ICICI Pru Precious Life is a pure-term plan, that gives comprehensive coverage for accidental death and critical illnesses as well. With a minimum entry of 18 years, this plan can be bought for a maximum age of 65 years. ICICI Pru Precious Life offers 5% loyalty discounts for the first year's premium.
Here are some key features of this plan:
Minimum Age - 18 years Maximum Age - 65 years
Maximum Maturity Age - 70 years
Minimum term - 5 years Maximum term - 40 years
Base sum assured: 2 Lac to no limit.
The policy loan is not available under ICICI Precious Life Term plan
Annual, half-yearly, quarterly & monthly
Let's understand how the ICICI Pru Precious Life Term Plan with a simple premium illustration.
Mr. Keshav Mishra, is a 42 year old Gujrat based business man, looking for a term insurance plan. He is suffering from high BP and hypertension from past 2 years, so few insurers reject his application form.
His wife saw a ad. of Policyx.com over social media about Term Plan with pre-existing disease. So he planned to visit there, Policyx.com carefully analyse his query and suggest him to visit ICICI Pru Precious Life term Plan.
Let us see a brief illustration of Mr.Keshav's ICICI Pru Precious Life term Plan
| Age of policyholder | Annual premiums | Policy tenure | Premium payment term | Total premiums paid | Sum assured |
| 42 years | Rs 40,998 | 18 years | 18 years | Rs 737964 | Rs 50 Lakh |
Key Takeaways: Mr. Keshav will covered up to the age of 18 years. In case of an unfortunate event, his nominee will receive a sum assured of Rs. 50 Lakhs.
Here are the benefits associated with the ICICI Precious Life Term
You can add the following riders to your ICICI Pru Precious Life Term Plan:
With ICICI Pru Accidental Death Benefit Rider, you can cover yourself with a maximum sum assured of 2 crore against any unfortunate accident that causes death to the life insured.
With ICICI Pru Critical Illness Rider, you can protect yourself with a maximum sum assured of 1 crore against 34 critical illness diseases.
Here is the list of exclusions associated with the plan:
ICICI Pru Precious Life Term Plan is a term plan that offers comprehensive protection against critical illnesses and accidental death benefits. This plan can be bought with any pre-existing disease at an affordable premium rate.
For more info related to this plan, you can visit PolicyX.com, or call us at 1800 - 420 - 0269. Our insurance experts listen to your unique needs and suggest the best possible solution for you.
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I am a passionate content writer with over three years of experience in the insurance domain. An avid learner, I always tries stays ahead of the industry's trends, ensuring my writing remains fresh and includes the latest insurance shifts. Through my work, I strive to engage with targeted insurance readers.
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