Terms & Conditions

1. As per Regulation 3(d), IRDAI (Manner of Receipt of Premium) Regulations, 2002, in case, the
proposer/policy holder opts for premium payment through credit/debit card, the payment must be
made only through credit/debit card issued on the name of such proposer/policyholder.

2. As per RBI guidelines , second level of authentication is mandatory for all internet card transaction
(Master/Visa) from August, 1, 2009. Please visit your bank's website to set a secure code today.

3. International credit card :If international credit card has already been registered for 3D-Secure, the
2nd level authentication password is mandatory, however if registration for 3D secure is not done,
there would be an option to skip 2nd level authentication.

4. Receipting of premium payments received between 8:00 AM - 3:00 PM (IST), Monday - Friday
would be done on the same day. If the payment is received after 3:00 PM (IST), the receipting
would be done on the next working day.

5. Advance Payments - NAV applicable for your policy would be as per the respective premium due
date.

6. Overdue Payments - NAV for the same day would be applied for premium payments received
between 8:00 AM - 3:00 PM (IST), Monday - Friday. If the payment is received after 3:00 PM (IST),
the NAV applied would be of the next working day.

7. For Lapsed/Paid Up/Policy-Discontinued cases, applicable NAV will be post reinstatement.

8. The online payment through the Payment Gateway is not from the ICICI Prudential server and that
you are going to a non-ICICI Prudential site. ICICI Prudential is not responsible for, shall have no
liability for and disclaims all warranties whatsoever, expressed or implied, related to the site,
including without limitation any warranties related to performance, security, stability, or non-
infringement of title of the site (including site content) or any controls downloaded from the site.

9. The NAV shall be declared by the Company on a daily basis except on Bank holidays, Exchange
holidays, Saturdays, Sundays and the days when the Corporate Office is closed.

10. You can view the receipt of your payment after one working day. In case you have made a
payment before your premium due date, receipt can be viewed after one working day of your
premium due date.

11. Credit will be made to your policy only if the transaction is successful as confirmed by our
payment aggregators.

12. By accepting terms and conditions you confirm; not being hospitalized in last 5 years, do not
suffer/ing from any illness & advised regular treatments/ investigations.