The ICICI Pru iCare II plan is a term insurance plan that can be bought to secure the financial future of a person’s family. This plan further provides additional benefits due to any accidental death of the insured person if the policy is still active during such time. the benefits under this plan are available under two options,

  • The death benefit provided is equal to the sum assured
  • Additional accidental death benefit rider equal to sum assured (maximum Rs. 2,00,00,000)

The highlights of the ICICI Pru iCare II plan are mentioned below. 



Minimum entry age

18 years

Maximum entry age

65 years

Maximum sum assured

No upper limit

Premium payment options

Regular payment, single payment

Minimum Premium to be paid

Rs. 2,400 p.a.

Premium payment mode

Monthly, half-yearly, yearly 


For regular pay – Minimum 5 years; Maximum 67 years

For one pay – Minimum 5 years; Maximum 10 years

For regular pay with Accidental benefits – minimum Rs. 5 years; Maximum 62 years

Tax benefits

Deduction up to Rs. 1,50,000 under section 80C

Tax exemption under section 10(10D)

Death benefits

Minimum - Sum assured 

Maximum – sum assured plus accidental benefits (maximum Rs, 2,00,00,000)

Surrender value

Regular pay – No surrender value

Single Pay – Surrender value is a percentage of the single premium paid


ICICI Pru iCare II is a term insurance plan from ICICI Prudential Life Insurance with death benefits and accidental death benefits. Policyholders do not get maturity or survival benefits but have the option of policy revival within 2 years of the due date of the last unpaid premium.