ICICI Pru Wish
ICICI Pru WISH
You are the pillar of your family, holding everything together with love, care, and unshakable strength. Balancing numerous responsibilities - family commitments, work deadlines, and maintaining a social life, can often leave little time to focus on your own well-being. While the health of your family, spouse, and children may take priority, it is equally important to prioritize your own health. After all, your well-being is the foundation that supports everything you do.
At ICICI Prudential Life Insurance Co. Ltd., we understand that as a woman, you often prioritize the needs of your loved ones above your own, sometimes at the expense of your own well-being. That’s why we are here to support and safeguard your needs, ensuring you are always protected. With ICICI Pru Wish, we offer coverage for women-specific critical illnesses where critical illness means any illness, medical event or surgical procedure as specifically defined under Vital Care Benefit, Surgical Care Benefit and Maternity Care Benefit and whose signs or symptoms first commenced post the specified Waiting Period after the Date of Commencement of Risk. With this plan, we aim to make your Wish for good health come true!
Salient features that make ICICI Pru Wish suitable for you
- Comprehensive coverage1 against women specific critical illnesses2 and surgeries2
- Cover1 for surgeries2 resulting from specific illnesses2
- Fixed lump sum1 pay-out on diagnosis of any of the covered critical illnesses2
- Premium remains guaranteed3 throughout the coverage term
- Coverage1 for pregnancy complications and newborn complications through Maternity Care Benefit under Health Care Plus plan option
- Premium Sabbatical4 Benefit which allows you to get one full year’s premium holiday, while enjoying full policy benefits
Key components of the plan
Vital Care benefit:
On diagnosis of any of the 6 covered minor critical illnesses, a fixed % of Vital care Sum Assured will be payable and on diagnosis of any of the 5 covered major critical illnesses, 100% of the available Vital care Sum Assured1 will be payable.
On diagnosis of any of the 6 covered minor critical illnesses, a fixed % of Vital care Sum Assured will be payable and on diagnosis of any of the 5 covered major critical illnesses, 100% of the available Vital care Sum Assured1 will be payable.
Surgical care benefit:
On undergoing any of the 9 covered surgeries,either 100% or 40% of the Surgical Care Sum Assured1 is payable, depending upon the surgical procedure done.
On undergoing any of the 9 covered surgeries,either 100% or 40% of the Surgical Care Sum Assured1 is payable, depending upon the surgical procedure done.
Maternity care benefit:
On diagnosis of any of the 9 covered pregnancy complications or 13 newborn congenital illnesses, 100% of the Maternity care Sum Assured1 is payable.
On diagnosis of any of the 9 covered pregnancy complications or 13 newborn congenital illnesses, 100% of the Maternity care Sum Assured1 is payable.
Additional features
Premium Sabbatical4
This feature allows you to skip premium payments for an entire year while still maintaining your coverage. It is flexible enough to be utilized at your discretion anytime during the premium payment term. If not opted for, your last full year’s premium of the premium payment term will automatically get waived off.
Premium guarantee3
Premium remains guaranteed throughout the coverage term. In case of any claims being paid under surgical care benefit or maternity care benefit, the premiums will be reduced to the extent to premiums of surgical care or maternity care benefit respectively
Steps to buy ICICI Pru Wish
Step 1: Choose a plan option
a) Health care: Vital care benefit + Surgical care benefit
b) Health care plus: Vital care benefit + Surgical care benefit + maternity care benefit
a) Health care: Vital care benefit + Surgical care benefit
b) Health care plus: Vital care benefit + Surgical care benefit + maternity care benefit
Step 2: Choose the sum assured
a) Vital care benefit: any sum assured between ₹10L-₹50L can be chosen
b) Surgical care benefit: 50% of Vital care benefit
c) Maternity care benefit: 25% of Vital care benefit
a) Vital care benefit: any sum assured between ₹10L-₹50L can be chosen
b) Surgical care benefit: 50% of Vital care benefit
c) Maternity care benefit: 25% of Vital care benefit
Step 3: Choose premium payment term and coverage term
How does health care (vital + surgical) option work?
Illustration 1
Payal is a 25-year-old working woman who wants to ensure that her health-related expenses are taken care of in case of any unforeseen event. She decides to purchase Health Care Option under ICICI Pru Wish plan for herself. She opts for a Regular pay policy with coverage term of 30 years for a Sum Assured of Rs. 20,00,000. Here, the Surgical Care Benefit will be Rs. 10,00,000, independent of the Vital Care Sum Assured.
- On diagnosis of CIS of the breast, a minor critical illness, 50% of Vital Care Sum Assured, i.e, Rs. 10,00,000 will be paid out to Payal.
- Payal took a break from work & was facing issues in paying her premium, thus she opted for a premium sabbatical4, which will waive off 1 year’s premium for her.
- Payal gets diagnosed with major breast cancer in 16th year. She will receive the remaining of the Vital Care benefit of Rs. 10,00,000. Vital Care Benefit will terminate with all its benefits and the policy will continue for the Surgical Care Benefit for next 365 days provided 365 days period falls within Coverage Term.
- Due to breast cancer, she had to go for breast reconstruction surgery. A Surgical Care Benefit of Rs. 10,00,000 will be paid. The Surgical Care benefit will terminate.
How health care plus (Vital + surgical + maternity benefit) option works?
Illustration 2
Mrs. Kumar is a 25-year-old working woman. She purchases the Health Care Plus plan for herself. She takes a Premium Payment Term of 10 years and coverage for 25 years. She opts for a Sum Assured of Rs. 20,00,000. Here, the Surgical Care Benefit will be Rs. 10,00,000 and maternity care benefit will be 5,00,000.
- Mrs. Kumar did not take any premium sabbatical during the premium payment term, thus last year’s premium is waived off.
- Mrs. Kumar conceives during the coverage term, but unfortunately, encounters an Ectopic Pregnancy where she has to undergo an immediate surgical removal of the complete fallopian tube. Maternity Care Benefit will be paid out to her. On claiming this benefit, Maternity Care benefit will terminate.
Boundary conditions
| Health care | Health care plus | |
|---|---|---|
| Age of entry | 21-55 years | 21-37 years |
| Maximum maturity age | 75 years | 45 |
| Premium payment term | Regular pay; Limited 10, 15 Pay | |
| Policy term | 8-30 years | 8-24 years |
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