ICICI PRU Guaranteed Pension Plan Flexi

Overview

ICICI Pru Guaranteed Pension Plan - A Non-Participating Non-Linked Individual Savings Single Premium General Annuity Product

Your retirement is a milestone worth celebrating. After all, it is something you have been looking forward to. You can go on that long-awaited world tour, follow new hobbies, spend more time with family and friends, or pursue your dreams - all at your own pace.

You can power all of these when you have the surety of a regular income that will continue for the rest of your life. We understand how important this is for you. That’s why, we bring to you ICICI Pru Guaranteed Pension Plan - A plan that gives you everything you need to live a worry-free life after retirement.

Features of ICICI Pru Guaranteed Pension Plan

Pay once and get guaranteed* regular income for life
Option to get early return of purchase price² from the age of 76 or at the age 80
Flexibility:
- To receive annuity now or after 1 to 10 years (Both Inclusive)
- To opt for the single life or joint life plan
Additional annuity for higher premiums as per the premium slabs and annuity option
Choose from 11 annuity options as per your financial needs
Top-up³ option to increase your annuity and benefit from High Purchase Price

How To Claim

Re-imbursement Claim Process

You can register your claim online by scanning & uploading the claim documents at the Care Health Insurance ‘Self-Help Portal’ Link- https://www.careinsurance.com/self-help-portal.html or download the Care Health-Customer App to be able to do the same.
As per the product you are insured with, download the re-imbursement claim form & submit online- https://www.careinsurance.com/health-insurance-claim-forms.html or download the Care Health-Customer App to be able to do the same.
Upload a personalized name printed cancelled cheque in name of employee for corporate policy and in name of proposer for individual policy.
In event of employee’s/proposer’s demise – cancelled personalized cheque (name printed) of nominee, ID proof of nominee & legal heir certificate.
You are requested to scan & upload the following documents received from your hospital. Also submit additional documents, if any.
- Original discharge summary
- Original final hospital bill with item wise break-up
- Original paid receipt against the final hospital bill
- For Accidental cases
  1. MLC/FIR copy (if applicable)
  2. Alcohol history (if applicable)
- Investigation reports (like X-Ray/MRI/CT Scan etc)
- Attested copy of indoor case papers
- In case of implant surgery, invoice & sticker
- For all claims amounting Rs.1 lakh or above please provide copy of any one of these KYC documents (Aadhaar Card, Passport, Driving Licence Voter ID, etc). Please ensure that the address on KYC documents is matching with the Policy address.

Cashless Claim Process

To locate the nearest cashless network visit https://www.careinsurance.com/health-plan-certified-network-hospitals.html or download the Care Health-Customer App by clicking here https://bit.ly/3iI2ZfJ.
Contact hospital insurance help-desk or billing counter with a copy of patient’s medical ID card, e-health card, pre-authorization form along with valid Govt. ID proof. You can easily access your e-card anytime, anywhere by downloading the Care Health-Customer App.
Submitted documents are shared by the billing counter/TPA desk with us, seeking pre-authorization approval.
In case any information is incomplete/ missing; we may contact hospital for the same.
Pre-authorization decision will be given by us post review as per policy terms and conditions.
Post treatment discharge summary and other related documents are submitted by the hospital/TPA to us for final approval.
We assess the bills basis the sum insured and plan terms & conditions to settle the bill directly with the hospital.

Disclaimer

Disclaimers related to above mentioned benefits:

¹On death of the Primary Annuitant during the premium payment term, the future premiums will be waived off and the applicable benefits will continue to be paid to the Secondary Annuitant. This benefit will be applicable only in case of death of Primary Annuitant while the policy is in-force and premium paying

²Under this option the annuity amount increases every year at a rate of 5% p.a. of the annuity amount payable in the first year after completion of deferment period.

³ For fully paid-up policies, this option can be exercised after the end of the deferment period. For other than fully paid-up policies, this option can be exercised after the end of the deferment period or after completion of revival period from the due date of the first unpaid premium, whichever is later. For a lapsed policy, this feature is not applicable. This feature can be exercised provided there is no outstanding loan amount. The minimum amount of lumpsum withdrawal will be ₹ 5,000 at the time of each exercise. Please refer to policy document for more terms and conditions.

⁴ Joint life can be either the spouse/child/parent or sibling of the primary annuitant.

⁵Save the Date option to be selected at policy inception or before the first annuity payment. The date chosen should be succeeding the due date of first annuity payment.

^#The annuity amount is informed to you at the time of availing the plan and is guaranteed and unchanged for life.

⁷ This option can be chosen anytime during the deferment period only and while the policy is inforce. The additional annuity payable will be calculated as per the then prevailing annuity rates and age of the Annuitant at the time of top-up.

The plan is not a guaranteed issuance plan and it will be subject to Company’s underwriting and acceptance. INDUSIND Bank Limited (CA Registration No:CA0001) is the Corporate Agent of ICICI Prudential Life Insurance Company Limited and does not underwrite the risk or act as an insurer. INDUSIND Bank Limited, 2401, Gen. Thimmayya Rd., (Cantonment), Pune – 411001. Participation by the Bank’s clients in the insurance products is purely on voluntary basis. Call us on: 1860 267 7777.

© ICICI Prudential Life Insurance Company Limited. Registered Office: ICICI Prudential Life Insurance Company Limited, ICICI PruLife Towers, 1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai - 400 025. This product brochure is indicative of the terms, conditions, warranties, and exceptions contained in the insurance policy. For further details, please refer to the policy document. In the event of conflict, if any, between the contents of this brochure and those contained in the policy document, the terms and conditions contained in the policy document shall prevail. ICICI Pru Guaranteed Pension Plan UIN: 105N181V05. Advt: . W/II/2042/2025-26

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