ICICI Prudential Death Claim Process: Complete Guide for Families
If your loved one had an ICICI Prudential policy, here’s exactly how to claim it.
ICICI Prudential is one of India’s leading private life insurers, known for fast claim processing. With an average death claim turnaround of just 1.2 days and a 99.17% claim settlement ratio, they’ve streamlined the process significantly.
Here’s everything you need to know.
Quick Answer: How ICICI Prudential Death Claims Work
- Report the claim → Online, WhatsApp, helpline, or branch
- Submit documents → Death certificate, claim form, ID proofs
- ClaimCare team verifies → Reviews and guides you
- Receive payment → Average turnaround: 1.2 days
Timeline: Average 1.2 days for death claims (when documents are complete).
Success rate: ICICI Prudential’s Claim Settlement Ratio for 2023-24 is 99.17%.
Ways to Report Your Claim
ICICI Prudential offers multiple channels:
1. WhatsApp (Convenient)
- Send “Claim” to 9920667766
- Upload documents through chat
- Get updates and assistance
2. Online Portal
- Visit iciciprulife.com/claims
- File and track claims online
- Upload documents digitally
3. ClaimCare Helpline
- Toll-free: 1800 2660 (10 AM - 7 PM, Mon-Sat)
- Alternate: 1860 266 7766
- Overseas: +91 80693 85555
4. Branch Visit
- Visit any ICICI Prudential branch
- Submit documents in person
- Get acknowledgment receipt
5. Email
- Send to [email protected]
- Attach scanned documents
Documents You’ll Need
Mandatory Documents (All Claims)
| Document | Details |
|---|---|
| Claim Form | Download from ICICI Pru website |
| Death Certificate | Issued by local municipal authority |
| Claimant’s PAN Card | Mandatory for tax purposes |
| Claimant’s Photo | Passport-size photograph |
| ID Proof | Aadhaar, passport, driver’s license, or voter ID |
| Address Proof | Aadhaar, passport, driver’s license, or voter ID |
| Cancelled Cheque | Or bank statement/passbook with printed account details |
| Payout Mandate Form | With bank account details |
If Nominee Has Also Passed Away
Additional documents required:
- Nominee’s death certificate
- Succession certificate, OR
- Notarized indemnity + affidavit (₹600, or ₹1,000 in Maharashtra)
- Family tree certificate / Legal heir certificate
- NOC from remaining legal heirs
Step-by-Step Claim Process
Step 1: Report the Claim
Contact ICICI Prudential through any channel:
- WhatsApp: 9920667766 (type “Claim”)
- Toll-free: 1800 2660
- Email: [email protected]
- Online: iciciprulife.com
You’ll receive a claim reference number.
Step 2: ClaimCare Guidance
ICICI Prudential’s ClaimCare team:
- Reviews your claim details
- Guides you on required documents
- Informs you if anything is pending
- Provides personalized assistance
Step 3: Submit Documents
Submit through:
- Online portal - Upload scanned copies
- WhatsApp - Send photos/PDFs
- Branch - Submit physical documents
- Email - Attach documents
Ensure all documents are complete and legible.
Step 4: Verification
Once documents are received:
- Claim is formally registered
- IRDAI-mandated turnaround time begins
- Additional verification if needed (for early death claims)
Step 5: Settlement
After approval:
- Average turnaround: 1.2 days for death claims
- Payment transferred to claimant’s bank account
- Settlement confirmation sent
Timeline: How Long Does It Take?
ICICI Prudential is known for fast processing:
| Metric | Timeline |
|---|---|
| Average death claim TAT | 1.2 days |
| IRDAI-mandated (non-investigation) | 15 days |
| IRDAI-mandated (with investigation) | 45 days |
| Interest if delayed | Bank Rate + 2% per annum |
Note: The 1.2-day average is for claims with complete documents and no investigation required. Complex cases may take longer.
What If the Policy Document is Lost?
You can still claim:
- Report the claim normally
- Provide the policy number (check old communications)
- ICICI Prudential will verify from their records
- Complete the standard documentation
The policy document isn’t mandatory if you have the policy number.
Common Reasons Claims Get Rejected
1. Non-Disclosure
Not disclosing during policy purchase:
- Pre-existing health conditions
- Lifestyle habits (smoking, alcohol)
- Hazardous occupation or hobbies
2. Incomplete Documentation
Missing or unclear documents. The ClaimCare team will guide you, but delays happen.
3. Policy Lapse
Premiums not paid, grace period expired. Verify policy status before filing.
4. Exclusion Period
Some policies have waiting periods for certain causes of death.
What If Your Claim is Rejected?
Level 1: ICICI Prudential Grievance
- Email: Escalate through [email protected]
- Write to: Principal Officer at registered office
- Request detailed reasons for rejection
Level 2: IRDAI Grievance
- Portal: bimabharosa.irdai.gov.in
- Email: [email protected]
- Toll-free: 155255 or 1800 4254 732
Level 3: Insurance Ombudsman
- Award limit: Up to ₹50 lakh
- Binding: Decision is binding on ICICI Prudential
- Timeline: Usually within 3 months
- Cost: Free
Find your regional Ombudsman at cioins.co.in.
ICICI Prudential Contact Information
| Purpose | Contact |
|---|---|
| ClaimCare Toll-free | 1800 2660 |
| Alternate Helpline | 1860 266 7766 |
| Overseas Customers | +91 80693 85555 |
| 9920667766 | |
| [email protected] | |
| Claims Portal | iciciprulife.com/claims |
| Helpline Hours | 10 AM - 7 PM, Mon-Sat (except holidays) |
Registered Office: ICICI PruLife Towers, 1089 Appasaheb Marathe Marg, Prabhadevi, Mumbai 400025
Claims Mail Address: Claim Care, ICICI Prudential Life Insurance Company Limited, 2nd Floor, Apeejay Express, Beside Saraswat Bhawan, Sector 17, Vashi, Navi Mumbai - 400703
Tips for Fast Claim Settlement
- Use WhatsApp for convenience - Quick intimation and document upload
- Have PAN card ready - It’s mandatory for ICICI Pru claims
- Submit complete documents first time - Avoid delays from missing paperwork
- Keep policy number handy - Check old emails or SMS
- Use the ClaimCare guidance - They’ll tell you exactly what’s needed
- Track online - Monitor claim status through the portal
Frequently Asked Questions
How do I track my ICICI Prudential claim?
Log in to iciciprulife.com, use the WhatsApp bot, or call the ClaimCare helpline.
Why is PAN card mandatory?
For TDS (tax deducted at source) compliance on claim payouts above certain thresholds.
What if there are multiple nominees?
Claim is split as per the percentage in the policy. All nominees submit documents and sign the claim form.
Can I claim if premiums were pending?
If within grace period, yes. Otherwise, depends on policy terms and paid-up value.
What’s the difference between 1800 2660 and 1860 266 7766?
1800 2660 is toll-free. 1860 266 7766 has nominal call charges but connects to the same ClaimCare team.
How does ICICI Pru achieve 1.2-day average settlement?
Digital processes, dedicated ClaimCare team, and streamlined verification for straightforward claims.
The Bottom Line
ICICI Prudential has one of the fastest claim settlement processes in India. Their 1.2-day average turnaround and 99.17% settlement ratio reflect this.
Key steps:
- Report via WhatsApp or online - Fastest channels
- Keep PAN card ready - Mandatory requirement
- Follow ClaimCare guidance - They’ll tell you exactly what’s needed
- Submit complete documents - Enables fast processing
Ensure Your Family Knows
Fast claim processing only helps if your family knows the policy exists.
Do they know about all your insurance policies? The policy numbers? Who to contact?
Take a few minutes to document this. It’s the most valuable gift you can give them.
When everything is documented, claims take weeks instead of years. Anshin keeps your financial details organized and shared with the people who matter.