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ICICI Prudential Rural Plans

ICICI Prudential's rural business initiative has been a game changer when it comes to making rural insurance plans accessible to the rural population of India. It has been a commendable on ICICI Prudential’s part, to have covered a vast network of more 2.5 million individuals of the rural population, over 16 states across the nation.

The company has especially designed like Sarva Jana Suraksha and Anmol Nivesh tailor-made to suit the varied needs of rural investors. The comprehensive plans offer life cover at affordable premium rates and a hassle free settlement process.

  1. ICICI Pru Anmol Bachat

    Financial savings not only ensure a better quality of life, but also safeguards us from unforeseen and unpredictable situations. In a similar vein, wealth creation is also an imperative financial goal for each one of us, and saving steadily can enable us to achieve the same.

    ICICI Prudential life has especially designed ICICI Pru Anmol Bachat plan. This financial product enables depositors to save in small amounts to create a lump sum for their future needs. This unique savings plan comes with manifold benefits like savings, liquidity and life cover.

    Key Benefits of ICICI Pru Anmol Bachat Plan

    1. Sum Assured on death is a stipulated amount which is payable in case of death of the policyholder during the policy term. The payable sum depends on the premium payment term choses during buying the policy.
    2. On the expiration of the policy term a guaranteed amount is paid to the policyholder. This is known as the Guaranteed Maturity Benefit.
    3. As per the survival benefit clause, an amount equal to one annual premium is paid during the policy term. This holds true only if the due premiums have been cleared, and the policyholder is alive. This benefit is again dependent on the Premium Payment Term
    4. This plan entitles policyholders to enjoy tax benefits of premium paid.
    5. If the life assured dies during the policy term, he/she is entitled to get death benefit. This is irrespective of the survival benefits paid. Please note that on the death of the policyholder, all the policy benefits cease.
    6. A policyholder is entitled to get the maturity benefit if he is alive till the end of the policy period. This is irrespective of the survival benefits. Please note that after the payment of the maturity benefit, all the benefits cease.
    7. If you policy is not a single premium policy, you can choose to pay your premiums yearly, half yearly or monthly. Depending on the cycle of the payment, you are entitled to discounts too.
    8. The policyholders can avail loan under the Anmol Bachat Plan. This comes into effect only after the policy acquires a surrender value. The loan amount availed can be up to 80% of the surrender value.
    9. On policy attains a surrender value, and you stop paying due premiums, the policy can still continue as a paid up policy with lesser benefits.
    10. A grace period of 15 days is given for the payment of premium.
  2. ICICI Pru Sarv Jana Suraskha Plan

    This life insurance plan has been tailor-made to , from uncertain financial future in event of an individual’s/policyholder's death. ICICI Prudential Sarv Jana Suraksha is a first of its kind micro insurance plan which caters to the rural population of the nation, as it provides complete security to the policyholder and his family, at affordable rates.

    Key Features and Benefits

    1. The Plan has the following unique features and benefits
    2. As per the Death Benefit, there is a policy for getting Sum Assured in case of death of the policyholder.
    3. There is no maturity benefit on this policy.
    4. The minimum age of the applicant, to buy the policy, needs to be 18 years. The maximum age limit is 55 years.
    5. The sum assured ranges from Rs. 5000 to Rs. 50,000.
    6. The policy tenure lasts up to 5 years.
    7. The premium amount needs to be paid annually.
    8. The cover ceases when one attains the age of 60 years. 

GST of 18% is applicable on life insurance effective from the 1st of July, 2017

 4.0 / 5.0   by 898 users
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ICICI Prudential Rural Plans Reviews

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  • ICICI Prudential Life Insurance
    "Good Term policy with less benefits"
    0.5 4.0/5 "Great!"
    ICICI people have approached me hence i bought the life insurance policy with them. Every year i pay the premium amount of Rs. 15000 for the sum assured amount of Rs. 50 lakhs. This is a term insurance policy. It will cover upto 75 years of my age. In the documents, there is not mentioned about the partial disability and medical illness.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jul 16, 2019
  • ICICI Prudential
    ICICI Prudential Life Insurance
    "Nneed to be reduce premium amount"
    0.5 4.0/5 "Great!"
    I have taken a term insurance in ICICI PRUDENTIAL on one year before. The policy is for 65 years but I have taken for 32 years. I am paying premium in the monthly package and the amount is high. While getting a policy I came to know about an information about the policy details through an online.I use to do payment through an online.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jul 15, 2019
  • ICICI Prudential Life Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I am using the life insurance policy with ICICI PRUDENTIAL since from last 1.5 years, the premium i am paying for monthly once, maturity period of the policy is for 15 years, policy coverage is for family, premium period was 10 years latter after 15 years sum assured will be given.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jul 12, 2019
  • ICICI Prudential Life Insurance
    "GOOD"
    0.5 5.0/5 "Blown Away!"
    I have purchased the term plan with ICICI PRUDENTIAL where i am using it since from last few years and the premium paying for yearly once added on that there are good returns available with the policy, it gives the self coverage with the policy.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jul 09, 2019
  • ICICI Prudential Life Insurance
    "GOOD"
    0.5 5.0/5 "Blown Away!"
    I have taken a TERM PLAN with ICICI PRUDENTIAL, the maturity period of the policy is for 15 years where the rprem9um have to paid for 10 years and 5 years it gets matured. I got the hard copy also soft copy regarding the policy. The policy has the good returns, it can be converted as pension.
    Was this review helpful? 0
    , chennai
    Reviewed on Jun 30, 2019
  • ICICI Prudential Life Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I am using from last 4-5 months and the name of the policy is TERM PLAN but the documentation process was done through online also the customer support explained the policy details. The premium paying for monthly once also the maturity period is for 30 years. It has the coverage for self.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jun 27, 2019
  • ICICI Prudential Life Insurance
    "GOOD POLICY"
    0.5 4.0/5 "Great!"
    ICICI PRUDENTIAL is the company where i have purchased the policy on 2011 but i am not aware of the name of the policy also the policy premium paid for 6 months once for 5 years and the policy maturity period is for 16 years. I am not aware of the name of the policy.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jun 27, 2019
  • ICICI Prudential Life Insurance
    "Good Investment Plan"
    0.5 5.0/5 "Blown Away!"
    I pay Rs.12100 of premium for per year, now it got closed. I paid nearly for five years. I will get sum assured and bonus interest almost Rs. 40,000 extra. It doesn't have tax cover but the customer executive calls me regularly, I used to make card payment its easy to make my premium.
    Was this review helpful? 0
    , chennai
    Reviewed on Jun 25, 2019
  • ICICI Prudential Life Insurance
    "Good service"
    0.5 5.0/5 "Blown Away!"
    I have taken Life Insurance policy it was referred by ICICI Bank.This policy i have taken on 2013 and this policy premium paid on monthly basis .I am paying the premium of Rs.563.The agent gave all the required details about the policy and there was no difficulties faced so far on using this policy ,I have submitted the documents through the agent .
    Was this review helpful? 0
    , kolkata
    Reviewed on Jun 24, 2019
  • ICICI Prudential Life Insurance
    "Its Good"
    0.5 4.0/5 "Great!"
    Its a term plan which I taken for my family, I make around Rs. 9000 per annum it has the tenure period around 30 years. I have selected coverage of Rs.75 lakhs, its gives lump sum benefits to my family, the insurance company claim settlement ratio and grievance resolved is great but there is no critical illness benefits.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jun 18, 2019
  • ICICI Prudential Life Insurance
    "Very Good Policy"
    0.5 5.0/5 "Blown Away!"
    Purchased my term insurance policy from ICICI Prudential. For the financial security for my family, i have chosen this one. They are providing the coverage amount of Rs. 15 lakhs and i have been paying the premium amount of Rs. 10,850 and i made the premium through online and they have sent me the hard copy of the document through online.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Jun 13, 2019
  • ICICI Prudential Life Insurance
    "GOOD"
    0.5 5.0/5 "Blown Away!"
    I have taken the ULIP PLAN with the ICICI PRUDENTIAL where the policy has the coverage for self. The policy has the locking period for 3 years. The premium paying for 25600 rupees for yearly once. It has the good customer support with long maturity period.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jun 12, 2019
  • ICICI Prudential Life Insurance
    "Good"
    0.5 4.0/5 "Great!"
    I have taken a life insurance in ICICI PRUDENTIAL for more than 3 years.The policy is for 30 years. Now I am paying premium in the quarterly package. While getting a policy I came to know about the details and received hard copy documents as well. I use to do payment through an online.
    Was this review helpful? 0
    , kolkata
    Reviewed on Jun 10, 2019
  • ICICI Prudential Life Insurance
    "Good"
    0.5 5.0/5 "Blown Away!"
    I have taken a life insurance in ICICI PRUDENTIAL. The policy is for 2 years. Now I am paying premium in once for two years. While getting a policy my agent has given an information about the policy details and provided documents as well. I use to do payments through an online.
    Was this review helpful? 0
    , panchkula
    Reviewed on Jun 09, 2019
  • ICICI Prudential Life Insurance
    "Good ULIP Policy"
    0.5 4.5/5 "Excellent!"
    Bought my ULIP policy from ICICI Prudential. I get a normal benefits from this card. I get a good life cover, disability benefits and illness benefits as well. I am investing in ULIP for last 1 year back. I have been paying the premium amount which is convenient for me.
    Was this review helpful? 0
    , kolkata
    Reviewed on May 28, 2019
  • ICICI Prudential Life Insurance
    "Very Good policy"
    0.5 5.0/5 "Blown Away!"
    I have bought my term insurance policy from ICICI. One of my friend who is there in ICICI has referred me about this policy. I have been paying the premium amount of Rs. 18000 which is yearly basis. I have selected the coverage value of Rs. 50 lakhs. Its covers for disability and partial disability also. I pay the premium through online. Each and every responsible family person need to take this term insurance policy.
    Was this review helpful? 0
    , hyderabad
    Reviewed on May 27, 2019
  • ICICI Prudential Life Insurance
    "Best way to protect the family"
    0.5 5.0/5 "Blown Away!"
    I have term plan with ICICI Prudential for that I pay the premium of Rs. 13,000 per annum . I need to pay upto my 75 years old and if any certain demise happen. My family will be getting Rs. 1 crore. The claim settlement ratio is good upto 90% and they give critical illness cover upto Rs. 25 lakhs.
    Was this review helpful? 0
    , bangalore
    Reviewed on May 27, 2019
  • ICICI Prudential Life Insurance
    "Good"
    0.5 5.0/5 "Blown Away!"
    I have taken a life insurance in ICICI PRUDENTIAL before one year ago. The policy is for 75 years. Now I am paying premium in the monthly package for the amount of 680 rupees. While getting a policy my agent has given an information about the policy details and provided hard copy documents as well. Through an online I use to do the payments.
    Was this review helpful? 1
    , vadodara
    Reviewed on May 24, 2019
  • ICICI Prudential Life Insurance
    "Excellent"
    0.5 5.0/5 "Blown Away!"
    I am most happy with ICICI Prudential, they are very transparent and the allocation value is less, they have explained everything clearly on their app. I can customized the products according to my needs. I have taken a normal policy and term plan, totally 3 policies. I got the insurance paper on time.
    Was this review helpful? 0
    , silvassa
    Reviewed on May 19, 2019
  • ICICI Prudential Life Insurance
    "GOOD POLICY"
    0.5 5.0/5 "Blown Away!"
    I have purchased the TERM PLAN with the ICICI PRUDENTIAL and using it since from many years. The documentation process was done through online without hassle process and the customer executive explained the details of the policy and they were responsive too.
    Was this review helpful? 0
    , pune
    Reviewed on May 17, 2019
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