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

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ICICI Prudential Rural Plans Reviews

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  • ICICI Prudential Life Insurance
    "Good service "
    0.5 4.0/5 "Great!"
    I have taken term insurance from ICICI PRUDENTIAL on a year before. My brother has suggested to take this policy. All my family members are covered in this policy. I use to pay the premium on monthly 2,500 rupees. I know all the details about this policy and received soft copy on time. The tenure period is 70 years for this policy.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Feb 26, 2020
  • ICICI Prudential
    ICICI Prudential Life Insurance
    "Not recommendable policy"
    0.5 2.0/5 "Expected more"
    I have bought the life insurance from ICICI prudential on 8 years back. This is a market based policy and I have invested the money of Rs. 1L and I have paid the premium amount of Rs. 3000 on every month. After 4 years when I withdraw the money, I got only Rs. 64,000 and I had a loss of this policy. My friend told me that this policy is good for investment. This is a tax benefit policy.
    Was this review helpful? 4
    , chennai
    Reviewed on Feb 21, 2020
  • ICICI Prudential Life Insurance
    "Not depend able"
    0.5 0.5/5 "Unacceptable"
    The policies are designed for the company gain at the loss of your hard earned money. Do not believe what the agents say. They leave out the essential parts that you actually need to know. Better not invest your money since it never comes back. Had s bitter experience with their Suraksha policy.
    Was this review helpful? 7
    , chennai
    Reviewed on Jan 28, 2020
  • ICICI Prudential Life Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    My term insurance policy was taken from ICICI prudential and i got it through online. Its because of the higher claim ratio i have selected this company. Their premium is low when i compared to others. I pay the premium amount of Rs. 734 per month for the coverage value of Rs. 30 lakhs.
    Was this review helpful? 1
    , kolkata
    Reviewed on Jan 25, 2020
  • ICICI Prudential Life Insurance
    "Good Insurance policy"
    0.5 5.0/5 "Blown Away!"
    Taken my term insurance from ICICI Prudential. When i purchased this policy i was 32 years old then i checked with different company but compared to other company, they are providing higher sum assured amount at the time of death and disability cover. When they processing the policy, it was very simple process. I didn't see any kind of fraudulent activity since everything went digital. I have been paying the premium amount of Rs. 587 per month. They have provided me a coverage value of Rs. 55 lakhs.
    Was this review helpful? 1
    , karnal
    Reviewed on Dec 31, 2019
  • ICICI Prudential Life Insurance
    "ICICI cheats. Worst wealth builder policy. Amount reduced"
    0.5 0.5/5 "Unacceptable"
    I have been cheated through wealth builder policy. 1. I was told policy is flexible and funds manager will provide you guaranteed returns but after buying. nobody was assigned and funds depriciate and on asking it told we never promised that. So i wanted the money back. They told keep it for 5 years so that no charges would be levied onto it. 2. After 5 years of lock-in, now they again say, no no we will deduct amount..policy charge..crap charges...will reduce my original funds value and I would an amount less than what I had started 5 years back. Which policy does this to you. 3. the customer care No.1860 266 7766 never works. You have to communicate through email
    Was this review helpful? 9
    , bangalore
    Reviewed on Dec 26, 2019
  • ICICI Prudential Life Insurance
    "Good Plan"
    0.5 4.0/5 "Great!"
    I have taken my term insurance from ICICI prudential. I have trusted this bank because its a top most high, that is the reason i have chosen them. I'm happy about the claim ratio. I'm satisfied with the sum assured amount. I have chosen the annual payment mode after 1 year, i will change the payment mode on a monthly basis.
    Was this review helpful? 2
    , rajahmundry
    Reviewed on Dec 05, 2019
  • ICICI Prudential Life Insurance
    "Not that much good Policy"
    0.5 1.0/5 "Really Bad"
    I took my life insurance policy from ICICI prudential and the agent cheated by saying the benefits. In this plan, i need to pay for 7 years with the amount of Rs. 50000. Once i paid the money, there is a lock in period of 8 years but the interest rates are getting less and i feel like end of the term i won't get any additional benefit.
    Was this review helpful? 6
    , tirupur
    Reviewed on Nov 26, 2019
  • ICICI Prudential Life Insurance
    "Not worthy"
    0.5 1.0/5 "Really Bad"
    Earlier i was having a life insurance policy from ICICI Prudential. Agent were explained me about the policy details. They said my money will get doubled after 5 years hence i have paid the premium amount of Rs. 25000 annually for 3 years and there is a lock in period for 2 years. Once i went to withdraw the policy i got Rs. 1000 extra.
    Was this review helpful? 6
    , tiruchirapalli
    Reviewed on Nov 25, 2019
  • ICICI Prudential Life Insurance
    "Good insurer"
    0.5 4.5/5 "Excellent!"
    I have taken term insurance with ICICI PRUDENTIAL on 4 years before. They have updated same policy so I discontinued old one and opened new policy. It is a term policy with tenure period of 30 years. I use to pay premium amount on annual basis of 18K. Agent has provided all the details and I received soft copy. One drawback with this insurer is their rates are high.
    Was this review helpful? 1
    , bangalore
    Reviewed on Nov 12, 2019
  • ICICI Prudential Life Insurance
    "Average Service"
    0.5 3.0/5 "Satisfactory"
    Taken my life insurance policy from ICICI Prudential one of my friend has recommended me about this policy. It was a systematic investment plan. I have paid the premium amount of Rs. 1,500 on every month. Total term period of policy is 3 years.
    Was this review helpful? 0
    , chennai
    Reviewed on Nov 08, 2019
  • ICICI Prudential Life Insurance
    "Daring policy"
    0.5 4.0/5 "Great!"
    My life insurance was taken from ICICI Prudential. I have a kid so that i have thought of investing them . ICICI people have suggested me a good product based on my investment amount. If i invest of Rs. 1 lakh per year for the payment of 6 years and the next 15 years, i don't need to pay any money after 21 years, i get some lumpsum sum assured amount. They are providing the life insurance policy worth of Rs. 10 lakhs for myself. They will give some ULIP when i pay the premium. Its a market based policy.
    Was this review helpful? 0
    , nellore
    Reviewed on Nov 07, 2019
  • ICICI Prudential Life Insurance
    "Good Service"
    0.5 4.0/5 "Great!"
    On 5 years before I have taken a life insurance from ICICI PRUDENTIAL. The policy is for 15 years. I am paying premium in the annual package the amount of 13 thousands which is nominal. It is a retirement policy for the amount of 15 lakhs. While getting a policy my agent has given an information about the policy details. It covers my whole family.
    Was this review helpful? 0
    , bangalore
    Reviewed on Oct 31, 2019
  • ICICI Prudential Life Insurance
    "Good "
    0.5 4.0/5 "Great!"
    I took term insurance policy with ICICI PRUDENTIAL on one year before , they have given clear details about benefits and are good. The agent has given hard copy documents on time. My premium is paying through credit card on monthly basis for 14 thousands. The tenure period for 20 years.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Oct 24, 2019
  • ICICI Prudential Life Insurance
    "Average"
    0.5 4.0/5 "Great!"
    I have taken a life insurance in ICICI PRUDENTIAL on 6 months before. The policy is for 15 years. Now I am paying premium for 25 thousands rupees. While getting a policy my agent has given an information about the policy details, however there are some charges applicable.
    Was this review helpful? 0
    , saharsa
    Reviewed on Oct 14, 2019
  • ICICI Prudential Life Insurance
    "Better"
    0.5 3.0/5 "Satisfactory"
    My term insurance is with ICICI Prudential because of the good benefits. The tenure is 2years, if Incase any demise happened then nominee would be getting 2L from the insurer. I am paying monthly Rs.258 through ECS. The customer service is not up to the mark.
    Was this review helpful? 0
    , bangalore
    Reviewed on Oct 10, 2019
  • ICICI Prudential Life Insurance
    "Better Policy"
    0.5 5.0/5 "Blown Away!"
    ICICI prudential is providing me a best policy so i have taken them. Its ULIP (Unit Linked Insurance Policy) policy. I am paying the premium amount of Rs. 30000 every year. I pay the sum assured amount of Rs. 2.10 lakhs. I used to pay the premium through online.
    Was this review helpful? 0
    , dibrugarh
    Reviewed on Oct 04, 2019
  • ICICI Prudential Life Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    ICICI Prudential premium was less for my life insurance so i chosen. I am holding the policy for past 3 years and they are providing me a satisfactory coverage amount. This is a term policy. Its covers with the accidental cover and disability cover.
    Was this review helpful? 0
    , pune
    Reviewed on Oct 03, 2019
  • ICICI Prudential Life Insurance
    "Good policy"
    0.5 4.5/5 "Excellent!"
    My husband is working in ICICI Prudential so have taken 2life insurance policy. They are giving better benefits than others. I am not sure about the tenure details and premium because it has been dealt by husband. The payment mode is online.
    Was this review helpful? 0
    , thiruvananthapuram
    Reviewed on Sep 29, 2019
  • ICICI Prudential Life Insurance
    "Happy with the benefits"
    0.5 5.0/5 "Blown Away!"
    I have taken an accidental policy with ICICI prudential. They have insured me 1crore and the premium is very low which am happy. I have taken the policy last year and got the insurance paper on time. They are offering information time to time and the response was very nice.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Sep 24, 2019
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