Cancer. Get extensive coverage for 34 critical illnesses with just 1 plan. Angioplasty* Brain Surgery. Permanent Paralysis of Limbs.

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1 This advertisement is designed for Life & Health variant of ICICI Pru iprotect Smart. The customer has the choice of purchasing other variants of the product as per his/her needs and choice and there is no compulsion to purchase this variant as suggested by the Insurer and as presented in this advertisement. The customer is advised to refer the detailed sales brochure of the individual product mentioned herein. Get extensive coverage for 34 critical illnesses with just 1 plan Apallic Syndrome Benign Brain Tumour Systematic lupus Eryth. w. Renal Involvement Chronic Lung Disease Surgery to aorta Angioplasty* Muscular Dystrophy Heart Attack Heart Valve Surgery Loss of Speech Medullary Cystic Disease Brain Surgery Loss of Limbs Chronic liver disease Primary Pulmonary hypertension Poliomyelitis Deafness Surgery to aorta Cancer Permanent Paralysis of Limbs Cardiomyopathy Major Burns Loss of Speech Alzheimer's Disease Aplastic Anaemia Kidney Failure Loss of Independent Existence Blindness Major Organ/ Bone Marrow Transplant Major Head Trauma Permanent Paralysis of Limbs Motor Neurone Disease with Permanent Symptoms Also get life cover Waiver of Premium on permanent disability due to accident You receive payouts upon first diagnosis of any of the listed illnesses Guaranteed premiums : No increase in premiums as you grow older

2 You work hard to achieve your aspirations a new car, a new house, sending your kids to the best of schools. You also plan for retirement so that you can live life on your own terms while maintaining your current lifestyle in your golden years. But life has its own set of twists and turns. Health problems, in most cases, strike unexpectedly, resulting in a sudden financial burden for the family. Critical illnesses(ci) such as cancer of specified severity, heart attack, stroke, etc. disturb suffering individuals as well as their dependents. The cost of treatment and prolonged recovery procedures forces many to dip into their savings created for their retirement or child's education. It can even create a loan burden on their family to meet this exigency. According to WHO regional advisor Kathleen A. Halloway, a majority of Indians spend around 70% of their income on medicines and healthcare, compared to 30-40% in other Asian countries like Sri Lanka*. Keeping this in mind, we present ICICI Prudential Smart Health Cover with ICICI Pru iprotect Smart, which provides extensive protection against 34 Critical Illnesses, disability, death and terminal illness. *Source: New Delhi, November 2, 2011

3 Key benefits of ICICI Prudential Smart Health Cover with ICICI Pru iprotect Smart Extensive protection against 34 Critical Illness, Disability, Terminal Illness and Death No increase in premium as you grow older Payout on first diagnosis of any of the covered Critical illnesses Longer term coverage up to 30 years available Tax Benefits u/s 80C and 80D of the Income Tax Act, 1961 Key benefits for women Special premium rates Covers female organ cancers, such as breast and cervical cancer

4 Benefits in detail Critical Illness (CI) Benefit On the first occurrence of any of the covered 34 critical illnesses, this benefit is payable. Pay-out on Death or Diagnosis of Terminal Illness Sum Assured will be paid out on: Death of the Life Assured, or Diagnosis of Terminal Illness The policy will terminate on payment of this benefit. Waiver of premium on Permanent disability due to accident On diagnosis of Permanent Disability due to accident, while the policy is in force, all future premiums for all benefits under the policy are waived.

5 Covered Critical Illnesses Sr. No Critical Illness Cancer of specified severity Angioplasty* Heart Attack Heart Valve Surgery Surgery to aorta Cardiomyopathy Primary Pulmonary hypertension CABG Blindness Chronic Lung Disease Chronic liver disease Kidney Failure Major Organ/ Bone Marrow Transplant Apallic Syndrome Benign Brain Tumour Brain Surgery Coma Major Head Trauma Permanent Paralysis of Limbs Stroke resulting in permanent symptoms Alzheimer's Disease Motor Neurone Disease with Permanent Symptoms Multiple Sclerosis with Persisting Symptoms Muscular Dystrophy Parkinson s Disease Poliomyelitis Loss of Independent Existence Loss of Limbs Deafness Loss of Speech Medullary Cystic Disease Systematic lupus Eryth. w. Renal Involvement Major Burns Aplastic Anaemia Categories Cancer Heart and Artery Benefit Major Organ Benefit Brain and Nervous System Benefit Others Please read the definitions and exclusions mentioned in the ICICI Pru iprotect Smart product brochure. *The CI Benefit for Angioplasty is subject to a maximum of ` 5,00,000. On payment of Angioplasty, if the CI Benefit is more than ` 5,00,000 the policy will continue for other CIs with CI Benefit reduced by Angioplasty payout and correspondingly Life cover reduced by the same amount. The future premiums payable for the residual CI Benefit and correspondingly reduced Life Cover will reduce proportionately.

6 Illustration Anil is a 35 years old project manager in an IT company. He wants to ensure that his savings are protected from medical expenses if he were to suffer from a critical illness. Therefore, he chooses ICICI Prudential Smart Health Cover with ICICI Pru iprotect Smart which provides him a CI cover of `10 lakh, for a term of 15 years. ` Undergoes Angioplasty He gets payout of ` 5 lakh Cover of ` 5 Lakh continues for the remaining 33 Critical Illnesses till the end of policy term. Pays annual premium of ` 6,961 Premium reduced to ` 3,480 ` ` ` ` ` ` ` ` ` ` ` ` ` ` ` ` 35 Years 42 Years 50 Years The Premium amount mentioned in the illustration is excluding Goods & Services Tax and cess (if any), as applicable Eligibility conditions Minimum / Maximum age at entry Minimum / Maximum Policy Term Mode of Premium Payment Maximum Sum Assured 18 / 50 years 10 / 30 years Yearly ` 25,00,000

7 Sum Assured ` 10 Lakh Sum Assured ` 20 Lakh Policy term 10 years 20 years 10 years 20 years 10 years 20 years 10 years 20 years Age Male Male Female Female Male Male Female Female 18 ` 3,451 ` 3,502 ` 3,164 ` 3,164 ` 4,202 ` 4,291 ` 3,722 ` 3, ` 3,471 ` 3,543 ` 3,213 ` 3,277 ` 4,236 ` 4,362 ` 3,794 ` 3, ` 3,488 ` 3,588 ` 3,258 ` 3,341 ` 4,267 ` 4,443 ` 3,861 ` 4, ` 3,525 ` 3,662 ` 3,284 ` 3,387 ` 4,315 ` 4,555 ` 3,905 ` 4, ` 3,558 ` 3,741 ` 3,311 ` 3,439 ` 4,357 ` 4,681 ` 3,952 ` 4, ` 3,588 ` 3,829 ` 3,355 ` 3,516 ` 4,393 ` 4,819 ` 4,012 ` 4, ` 3,592 ` 3,903 ` 3,393 ` 3,596 ` 4,399 ` 4,950 ` 4,064 ` 4, ` 3,634 ` 4,015 ` 3,457 ` 3,704 ` 4,474 ` 4,163 ` 4,163 ` 4, ` 3,728 ` 4,247 ` 3,513 ` 3,805 ` 4,620 ` 5,484 ` 4,265 ` 4, ` 3,834 ` 4,499 ` 3,575 ` 3,919 ` 4,786 ` 5,856 ` 4,378 ` 4, ` 3,959 ` 4,777 ` 3,677 ` 4,142 ` 4,988 ` 6,275 ` 4,542 ` 5, ` 4,105 ` 5,081 ` 3,789 ` 4,379 ` 5,227 ` 6,736 ` 4,723 ` 5, ` 4,276 ` 5,413 ` 3,914 ` 4,634 ` 5,510 ` 7,248 ` 4,929 ` 6, ` 4,578 ` 5,916 ` 4,057 ` 4,908 ` 5,949 ` 7,960 ` 5,166 ` 6, ` 4,915 ` 6,454 ` 4,221 ` 5,203 ` 6,448 ` 8,735 ` 5,440 ` 6, ` 5,280 ` 7,030 ` 4,511 ` 5,654 ` 6,999 ` 9,575 ` 5,861 ` 7, ` 5,682 ` 7,647 ` 4,828 ` 6,123 ` 7,611 ` 10,489 ` 6,331 ` 8, ` 6,124 ` 8,311 ` 5,178 ` 6,617 ` 8,295 ` 11,485 ` 6,861 ` 8, ` 6,719 ` 9,150 ` 5,522 ` 7,103 ` 9,138 ` 12,668 ` 7,378 ` 9, ` 7,362 ` 10,038 ` 5,896 ` 7,612 ` 10,066 ` 13,937 ` 7,948 ` 10, ` 8,045 ` 10,964 ` 6,442 ` 8,306 ` 11,063 ` 15,273 ` 8,713 ` 11, ` 8,765 ` 11,934 ` 7,016 ` 9,020 ` 12,123 ` 16,687 ` 9,528 ` 12, ` 9,536 ` 12,953 ` 7,621 ` 9,758 ` 13,274 ` 18,187 ` 10,398 ` 13, ` 10,582 ` 14,282 ` 8,259 ` 10,520 ` 14,752 ` 20,051 ` 11,324 ` 14, ` 11,699 ` 15,677 ` 8,934 ` 11,312 ` 16,357 ` 22,032 ` 12,317 ` 15, ` 12,883 ` 17,129 ` 9,840 ` 12,376 ` 18,081 ` 24,115 ` 13,560 ` 16, ` 14,150 ` 18,647 ` 10,763 ` 13,461 ` 19,953 ` 26,315 ` 14,831 ` 18, ` 15,525 ` 20,249 ` 11,711 ` 14,575 ` 22,016 ` 28,662 ` 16,147 ` 19, ` 17,377 ` 22,153 ` 12,622 ` 15,678 ` 24,569 ` 31,342 ` 17,392 ` 21, ` 19,318 ` 24,239 ` 13,558 ` 16,813 ` 27,277 ` 34,272 ` 18,677 ` 22, ` 21,302 ` 26,483 ` 14,986 ` 18,258 ` 30,063 ` 24,115 ` 20,478 ` 24, ` 23,377 ` 28,932 ` 16,426 ` 19,832 ` 33,011 ` 40,831 ` 22,296 ` 26, ` 25,524 ` 31,580 ` 17,870 ` 21,539 ` 36,086 ` 44,515 ` 24,120 ` 28,780 Above premium rates are exclusive of Goods & Services Tax and cess (if any) and applicable discount. A discount of 1% on each year s premium will be applicable for policy purchased through the Company s Website.

8 Terms and conditions 1.Waiting period for Critical Illness Benefit a. The benefit shall not apply or be payable in respect of any Critical Illness of which the symptoms have occurred or for which care, treatment, or advice was recommended by or received from a Physician, or which first manifested itself or was contracted during the first six months from the Policy issue date or 3 months from the policy reinstatement date where the policy has lapsed for more than 3 months. b. In the event of occurrence of any of the scenarios mentioned above, or in case of a death claim, where it is established that the Life Assured was diagnosed to have any one of the covered critical illness during the waiting period for which a critical illness claim could have been made, the Company will refund all premiums paid from risk commencement date of the policy or from the date of reinstatement as applicable and the policy will terminate. c. No waiting period applies where Critical Illness is due to accident. 2.Tax benefits under the policy are subject to conditions u/s 80C and 80D of the Income Tax Act, 1961.Goods & services tax and cess (if any), as applicable will be charged extra, as per applicable rates. The tax laws are subject to amendments from time to time. 3.For details on Critical Illnesses definitions, waiting period, exclusions, and other terms please refer to the ICICI Pru iprotect Smart product brochure. ICICI Prudential Life Insurance Company Limited. IRDAI Regn No CIN: L66010MH2000PLC Registered Address: - ICICI PruLife Towers, 1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai For more details on the risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. Call us on (10am-7pm, Monday to Saturday, except national holidays and valid only for calls made from India). Trade Logo displayed above belongs to ICICI Bank Limited & Prudential IP Services Limited and used by ICICI Prudential Life Insurance Company Limited under license. ICICI Pru iprotect SmartUIN: 105N151V02. ADVT: L/II/0827/ BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS IRDAI clarifies to the public that: IRDAI or Its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums. IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.