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A 360* guaranteed2 child plan
that continues even after you18
A 360* guaranteed2 child plan
that continues even after you18
A guaranteed2 way to stand by your child’s dream
3% additional online benefit&
SmartKid 360 is a savings cum insurance plan that helps parents grow funds for their child with guaranteed returns to secure their child’s future along with a life cover1, in-built waiver of Premium Benefit and family income benefit. This plan provides a financial safety net, ensuring your child’s dreams and future remain secure even in an unfortunate event to the parent.
The lifeline your child needs in times of crisis: 360° goal protection with:
In-Built Waiver of Premium18 : ensures policy continuity even in your absence. In case of an unfortunate event, ICICI Prudential Life will pay the remaining premiums on behalf of the parent (proposer), so your child’s future goals stay on track with guaranteed payouts^ and maturity amount.
Regular Income in your absence3 : helps take care of your child’s day-to-day needs by providing 10% of the Assured Benefit4 amount every year till the end of the policy term, along with other benefits.
Life Cover1 : provides financial support to your child in case of an unfortunate event, helping take care of their immediate needs.
In-Built Waiver of Premium18 : ensures policy continuity even in your absence. In case of an unfortunate event
Young parents who have just started planning for their little one’s future and are looking for a systematic investment plan that helps them create wealth for their future education
In your absence, the company pays future remaining premiums, if any
Yes, available
Predefined payouts when your child reaches key milestones
Yearly, half-yearly and monthly
5 years to 12 years, subject to minimum premium criteria for the selected PPT
Rs 1,50,000 for 5 - 6 years PPT, Rs 50,000 for 7 – 9 years PPT and Rs 30,000 for 10 - 12 years PPT
Regular yearly income in case of the parent’s demise is given to the child
Assured payouts bring certainty to your child’s education and life planning.
Tax* savings on premiums under Section 80C
100% tax-free* returns
Option to get one-time 20% lump sum on exceptional achievements.
Option to accumulate and withdraw payouts anytime or receive them later with added loyalty benefits
Access liquidity with loans up to 80% of the policy’s surrender value
Save more with annual premium payments and zero loading
Earn 1% higher maturity benefit as an online buyer or existing customer.
This feature lets you choose the type of payout along with the percentage payout
Structure
Choose your payout^ structure
as per your child’s needs.
Equal Income^
3 Payouts of
33% each
4 Payouts of
25% each
Increasing Income^
3 payout^ in ratio
20 : 30 : 50
4 payout^ in ratio
15 : 20 : 30 : 35
Structure
Choose your payout^ structure
as per your child’s needs.
Equal Income^
3 Payouts of
33% each
4 Payouts of
25% each
Increasing Income
3 payout^ in ratio
20 : 30 : 50
4 payout^ in ratio
15 : 20 : 30 : 35
Admission in one of the top 5 universities of the world*Qualifying for Olympics, Paralympics or Winter Olympics in any sport for IndiaWinning Gold, Silver or Bronze medal in Asian GamesWinning Gold, Silver or Bronze medal in Commonwealth GamesWinning Gold, Silver or Bronze medal in Delphic Games in any art category for India*published as per a recognised publisher of university rankings as decided by the Company. Currently this is the QS World University rankings (https://www.topuniversities.com/world-university-rankings)
Admission in one of the top 5 universities of the world*Qualifying for Olympics, Paralympics or Winter Olympics in any sport for IndiaWinning Gold, Silver or Bronze medal in Asian GamesWinning Gold, Silver or Bronze medal in Commonwealth GamesWinning Gold, Silver or Bronze medal in Delphic Games in any art category for India*published as per a recognised publisher of university rankings as decided by the Company. Currently this is the QS World University rankings (https://www.topuniversities.com/world-university-rankings)
Benefit Enhancer&: 1% higher maturity benefit as an online buyer or existing customer
Annual mode pay benefit: Zero loading charges on annual payment mode. The premium loading for non-annual premium payment modes is as given below
0%
Benefit Enhancer&: 1% higher maturity benefit as an online buyer or existing customer
Annual mode pay benefit: Zero loading charges on annual payment mode. The premium loading for non-annual premium payment modes is as given below
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₹3.1 Lakh Crore
Assets Under Management as on March 31, 2025^^
9.17 Crore
Lives Covered as on March 31, 2025^^
₹46,182 Crore
Benefits paid till March 31, 2025`
1 Day<
Claim Settlement
What are the benefits I get in this plan?
What is the tax* benefits in this plan?
Can I buy this plan online?
How are my returns calculated?
At what age can I start and close this plan? What PPT and Policy term options are available in this plan?
Can I surrender this plan?
What happens if I discontinue paying premiums?
Can I withdraw money from this plan before maturity?
Can I cancel this plan post purchase?
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