Never buy ICICI policies as these people purpose fully hire people to cheat you....I had my tenant who said he works for ICICI but actually he worked for India info line who is paid from ICICI to cheat people...he said his daily job is to hunt people cheat them by saying you will get many benefits...this that and what not...
When you agree he sends ICICI guy to your home and commit a policy forICICI...after your cheque is cleared those people will get huge incentives..and when you call they will make fun of you...he showed me the tie up between ICICI and India Infoline..
This should not be reveled but as my tenant he showed me the docs....how much they pay them to arrange new bakras...my humble suggestion better buy gold...it is safest one...to invest..