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ICICI Pru Wish is a unique insurance plan by ICICI Prudential Life Insurance Company, designed to offer health and pure protection benefits. Specifically designed for women, this plan provides extensive coverage for critical health conditions, surgeries, and maternity-related complications. With its financial security and comprehensive protection, ICICI Pru Wish is ideal for women seeking a well-rounded insurance plan to safeguard their health and financial well-being.
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ICICI Pru Wish is a one-of-a-kind plan that offers dual health protection benefits and pure life coverage. It covers a wide range of critical conditions, including carcinoma in situ (CIS), urinary incontinence, osteoporotic fractures, and life-saving surgeries like mastectomy and hysterectomy. The plan also covers maternity complications like ectopic pregnancies, uterine rupture, and congenital conditions in newborns. ICICI Pru Wish plan by ICICI Prudential Life Insurance ensures financial security during challenging times while prioritising the insured's and their family's well-being.
Term Plans
Comprehensive coverage against women-specific surgeries and critical illnesses.
Extensive surgical coverage for procedures such as mastectomy, hysterectomy, and radical vulvectomy due to malignant conditions.
Guarantees a fixed lump sum payment upon diagnosis of any covered critical illness, ensuring financial stability during tough times.
The premiums remain fixed and guaranteed throughout the coverage term
It provides coverage for pregnancy complications and newborn-related issues through the Health Care Plus plan option, making it ideal.
Premium Sabbatical Benefit that allows you to take a one-year premium holiday, while enjoying all the plan benefits.
| Entry Age | Maximum Cover Ending Age | Coverage Term (CT) & Premium Payment Term (PPT) (years) | |||||||||||
| Vital Care benefit and Surgical Care benefit | Minimum: 21 years. Maximum: 55 years | 75 years | Regular pay: Coverage term: Minimum: 8; Maximum: 30 PPT: Equal to the policy term Limited Pay:
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| Maternity care benefit | Minimum: 21 years. Maximum: 37 years | 45 years | Regular Pay Coverage term: Minimum: 8; Maximum: 24 Limited Pay Minimum of (45 minus Entry age, PPT of Vital care benefit chosen at inception) PPT for both Regular & Limited pay will be the same as that of Vital Care Benefit, subject to life assured attaining 45 years of age. In which case PPT will be 45 minus age at entry. |
ICICI Pru Wish offers two comprehensive plan options: the Health Care Plan Option and the Health Care Plus Plan Option. These plans address various health-related concerns and provide financial support during critical times.
This option provides coverage against minor and major critical illnesses in the vital care benefit and against surgeries in surgical care benefit.
Under this option, the life assured is covered for major and minor critical illness conditions mentioned in the table below. In case of diagnosis of any of the minor or major conditions during the policy term, when the policy is active, the percentage of the sum assured of vital care will be paid to the nominee.
List of Minor Conditions
| Critical Illnesses Covered | Benefits paid in case of diagnosis of a condition |
| Uterine Prolapse | Lower of: 10% of vital car sum assured 100% of vital care sum assured minus claims paid already for minor conditions |
| Urinary Incontinence requires Surgical Repair | |
| Thyroid disorders causing Thyroid Storm treated in ICU | |
| Pelvic floor dysfunction treated with Hysterectomy | |
| Osteoporotic fractures of the hip and vertebra treated with surgery | Lower of: 50% of vital car sum assured 100% of vital care sum assured minus claims paid already for minor conditions |
| Cervix Uteri, Carcinoma In Situ (CIS) of the Breast, |
List of Major Illnesses
| Critical Illnesses Covered | Benefits Paid on Diagnosis of the condition | |
| Major Critrical Illness | Myocardial IMyocardial Infarction (First Heart Attack of specific severity)nfarction (First Heart Attack of specific severity) | 100% of Vital care sum assured minus claim of minor critical illness paid |
| Rheumatoid Arthritis | ||
| Major cancers (of Breast, Cervix Uteri, Uterus, Fallopian tube, Ovary, Vagina, Vulva) | ||
| Systemic Lupus Erythematosus with Lupus Nephritis | ||
| Major cancers (of Breast, Cervix Uteri, Uterus, Fallopian tube, Ovary, Vagina, Vulva) |
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Claim Details:
Unique claims are allowed for each Minor Condition until the Vital Care Sum Assured is fully utilized.
Only one claim can be made per major condition, and the Vital Care Benefit terminates after the full payout.
Post-Claim Policy Continuation:
If the Vital Care Sum Assured is exhausted, the policy continues for surgical benefits up to 365 days within the Coverage Term.
Cooling-off periods apply for consecutive Minor Condition claims.
In this Benefit, the life assured is only covered for the surgical processes specified below table.
| Additional Surgery Cover | Surgical processes covered | Amount paid |
| Radical Vulvectomy required due to a malignant/ Invasive condition | 100% of surgical care sum assured | |
| Skin grafting due to major burns* | ||
| Breast Reconstructive Surgery following a Mastectomy | ||
| Radical hysterectomy required due to a malignant/ Invasive condition | ||
| Mastectomy required due to a malignant/ invasive condition | 40% of surgical care sum assured | |
| Total Pelvic Exenteration required due to a malignant/ invasive condition | ||
| Bilateral or Unilateral Breast Lumpectomy due to a malignant condition or carcinoma in situ | ||
| Complicated repair of a Vaginal Fistula | ||
| Total Pelvic Exenteration required due to a malignant/ invasive condition |
Claim Details:
100% of Surgical Care Sum Assured for major surgeries like radical vulvectomy or hysterectomy.
40% of Surgical Care Sum Assured for other listed procedures like breast lumpectomy or vaginal fistula repair.
Post-Surgery Policy Continuation:
If the surgical care benefit is claimed before, benefits may continue if the Vital Care Sum Assured is exhausted, and both benefits may continue.
After exhausting, the surgical benefit continues for 365 days for relevant conditions.
This enhanced plan offers all the benefits of the Health Care Plan Option, including Maternity Care Benefit, to address pregnancy-related complications and newborn health concerns.
Under this benefit, in case of diagnosis of any of the mentioned critical illnesses in the table, during the policy term while the plan is active, the maternity care sum assured will be paid to the nominee.
| Benefits | Critical Illness/Surgical Procedures | % of maternity care sum assured (Benefits) |
| Newborn or Congenital Complications | Ectopic pregnancy | 100% of maternity care SA |
| Molar pregnancy | ||
| HELLP syndrome | ||
| Postpartum Haemorrhage requiring Hysterectomy | ||
| Choriocarcinoma | ||
| Eclampsia | ||
| Disseminated Intravascular Coagulation | ||
| Placenta Increta / Percreta | ||
| Spina bifida | 100% of Child and maternity care cover | |
| Down’s syndrome | ||
| Anal atresia | ||
| Club feet | ||
| Oesophageal atresia and tracheoesophageal Fistula | ||
| Tricuspid atresia | ||
| Total anomalous pulmonary venous return (TAPVR) | ||
| Ventricular Septal Defect | ||
| Patent ductus arteriosus | ||
| Cleft palate | ||
| Anal atresia | ||
| Atrial Septal Defect | ||
| Tetralogy of Fallot |
Claim Details:
Only one claim is allowed for the Maternity Care Benefit, after which the benefit terminates.
Termination of Vital Care Benefits also terminates Maternity Care Benefits.
Below are some benefits one can avail of with the ICICI Pru Wish Plan. Take a look:
Critical Condition Support
ICICI Pru Wish provides comprehensive financial assistance for severe health conditions such as carcinoma in situ of the breast or cervix, thyroid disorders requiring ICU admission, and osteoporotic fractures treated with surgery, ensuring timely support during critical times.
Surgical Benefits
The plan covers essential surgeries, including radical vulvectomy, total pelvic exenteration, mastectomy, and lumpectomies for malignant conditions. It also includes surgeries for skin grafting due to burns and the repair of complicated vaginal fistulas, offering comprehensive surgical coverage.
Maternity & Pregnancy-Related Coverage
ICICI Pru Wish offers coverage for severe pregnancy complications like uterine rupture, molar pregnancy, and life-threatening conditions such as Disseminated Intravascular Coagulation (DIC). This insurance plan for Women also provides financial support for congenital conditions in newborns, including cleft palate, club feet, and other congenital disorders, with corrective surgery coverage.
Premium Sabbatical Benefit
The plan offers the flexibility to take a one-year break from paying premiums while maintaining policy coverage. This benefit can be availed once during the premium payment term, offering financial relief without compromising protection.
Lifelong Financial Security
ICICI Pru Wish delivers long-term financial security by combining health benefits with life protection coverage, ensuring peace of mind and family support during challenging times.
Specialist-Led Claims Process: Requires diagnosis confirmation by specialists to ensure seamless claim approval.
Revival Period: A lapsed policy due to non-payment of premiums within the grace period may be revived within five years from the due date of the first unpaid premium and before the maturity date, subject to underwriting and conditions set by the company.
Grace Period: If you cannot pay an instalment premium by the due date, a grace period is provided. For monthly frequencies, the Grace Period is 15 days, while for all other frequencies, it is 30 days from the premium due date.
Cooling-off Period: A 180-day cooling-off period applies between the diagnosis of consecutive Minor Conditions. The claim will not be admissible if a Minor Condition is diagnosed during this period.
Survival Period: The Survival Period is 14 days starting from the date of the first diagnosis of a covered Critical Illness Condition. The Life Assured or the newborn child under the Maternity Care Benefit must survive this period to qualify for the benefit. No benefit is payable if they do not survive during this time.
Free Look period: The Free Look Period allows you to review the policy terms upon receiving the policy document, either electronically or otherwise. If unsatisfied or in disagreement with the terms and conditions and no claims have been made, you may return the policy within 30 days, providing reasons for cancellation.
Follow these easy steps to purchase the ICICI Pru Wish Plan online:
Step 1: Visit the Policybazaar website and click ‘Term Insurance’.
Step 2: Enter your name, mobile number, gender, and email ID.
Step 3: Provide Additional Information such as your occupation type, annual income, educational background, and smoking habits.
Step 4: Select ICICI Pru Wish from the available term insurance plans and pay your premiums
Step 5: Once you've completed this, your policy details and a premium receipt will be sent to your registered email ID.
** You can also check and compare other ICICI Prudential Term Insurance Plans and choose the one best suited for you.
Identity Proof: Aadhaar, passport, or voter ID.
Address Proof: Utility bills, bank statements, or Aadhaar.
Age Proof: Passport, birth certificate, or valid ID card.
Medical Reports: Required for pre-existing health conditions.
Photographs: Passport-sized for verification.
No death benefit will be payable in the event of the death of the Life Assured or the Newborn Child during the policy term, as it does not cover any payouts on death.
Pre-existing diseases are diagnosed or treated within 36 months before the policy’s commencement.
Self-inflicted injuries or attempted suicide.
Congenital anomalies in visible and accessible parts of the body.
Medical conditions arising from organ donation.
Alcohol, solvent, or drug abuse unless prescribed by a registered medical practitioner.
†Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
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