More than just  
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ICICI Pru iProtect Smart

Why choose ICICI Pru iProtect Smart?
ICICI Pru iProtect Smart is a term insurance plan that offers multiple options so that you get enhanced protection for yourself and your family at affordable premiums.
This plan gives you 360° protection on your life – you get large life cover to secure your loved ones. Also enrich your life cover with protection against accidental death and 34 life threatening illnesses.


  • Affordable protection for your family: Large life cover at affordable premium so that your loved ones are always financially secure.
  • Complete protection for you: Guaranteed cash payout up to Rs. 1 Crore to you for 34 life threatening illnesses.
  • Protection against disability: In case of permanent disability due to an accident, the policy continues with no further premiums to be paid
  • Accidental Death Benefit: In case of death due to accident, the nominee will receive double the sum assured.
  • Freedom to increase life cover: You can increase your cover amount at key stages of your life – like marriage and birth of your children.
  • 100% cash payout in case of Terminal illness: If you are diagnosed with a terminal illness, we will pay you the complete sum assured.
  • Easy to buy: Buy a policy online anytime in just 10 minutes
  • Special premium rates: for women and non-tobacco users
  • Tax benefits: on premiums paid as per prevailing tax laws


You can buy this term insurance plan online in some simple steps as shown below:
  • Choose your preferred level of cover through our online calculator.
  • Proceed to fill in your personal details. You will also have to answer some questions related to your health. Please answer all questions correctly.
  • Pay the premium via your internet banking account or your credit card.
  • Life insurance cover on your policy begins on receipt of the premium, relevant documents and completion of any requested medical tests.


Minimum / Maximum age at entry 18 / 65 years (Age completed birthday)
Minimum / Maximum age at maturity 23 / 75 years
Minimum/Maximum Policy Term
Benefit Option Regular Pay Limited Pay Single Pay
Life 5 – 40 years 10 – 40 years 5 – 20 years
Life Plus 5 – 40 years 10 – 40 years 5 – 20 years
Life & Health 5 – 30 years 10 – 30 years NA
All in One 5 – 30 years 10 – 30 years NA
Premium Payment Options Regular Pay, Limited Pay, Single Pay
Premium Payment Terms Single Pay: Single
Regular Pay: Same as Policy Term
Limited Pay: Policy Term – 5 years
Minimum Premium Rs. 2,400 excluding service tax and cesses, as applicable, for Life Option.
Accidental Death Benefit Equal to Sum Assured chosen by you, subject to a maximum limit as per the Company policy.
Critical Illness (CI) Benefit Minimum: Rs. 1,00,000
Maximum: As per the Company policy
Minimum Sum Assured Subject to the minimum premium
Maximum Sum Assured Unlimited
Mode of Premium Payment Single, Yearly, Half-yearly and Monthly
UIN of ICICI Pru iProtect Smart: 105N151V01