People are securing their family's future right now!
We know you are serious about your family’s future

How can our financial experts help you?

Term Insurance Plan Premium Calculator

5.0
Rated by people who bought this plan
  •  
    Edit  

    You need Life Cover of

    Is this enough?

    What’s this?
    X
       
    1.30 crore lifecover = 57,500 monthly income for life1

    Is this enough for your family?

    What’s this?
    X

    The term insurance cover from this plan is supposed to provide financial protection to your family after you. For example, in your absence, if the term insurance cover of 1.5Cr is invested in fixed deposit2 today, it can give your family a monthly income of 69,000. If this income, along with potential income from other sources, is not enough to secure your family’s future, then we recommend you increase the term insurance cover amount.

    close
    • you are

    • you were born on

    • Do you consume Tobacco?

      Select "No" for this question if in last 5 years you have not smoked cigarettes, bidis and cigars or consumed tobacco, ghutka, paan masala or any nicotine related products.

    YOUR PREMIUM:

    7631/- p.a.
    This option is available only for premium more than Rs. 3600.
    LIFE OPTION WITH POLICY TERM OF 20 YEARS AND LUMPSUM PAYOUT

      With this plan, you get:

    • Death Benefit 1.00 Crores
      Death benefit is the total cash payout that the nominee will receive in case of death of the life assured.
    • Terminal Illness Benefit
      You get 100% cash payout of the total life cover amount if you are diagnosed with terminal illness. The policy will close on payment of this benefit.
    • Waiver of premium on disability
      In the unfortunate case of permanent disability due to an accident, your policy continues and no more premium to be paid.
    YOU CAN CUSTOMISE YOUR PLAN WITH MORE FEATURES:
    34 CRITICAL ILLNESS BENEFIT
    ACCIDENTAL DEATH BENEFIT
    CHOICE OF POLICY TERM
    Proceed to customise plan
  •  

    Your contact Information

    Edit  

    Looks like your mobile number is not registered with Truecaller. Kindly fill these details to continue.

    • First Name

       
    • Last Name

       
    • email

       

      You may be contacted regarding your quote through email, so please make sure we have your correct details.

    • Mobile number

       

      To make sure you get the right life insurance, we can call you to talk you through your needs and help you buy.

    By submitting my contact details here, I override my NDNC registration and authorise ICICI Prudential Life and its authorised representatives to contact me.

  •  

    Your Policy, your way

    Edit  
    • Life cover

      The total sum assured

         
    • Payment term

      The duration for which you wish to pay premium

    • Policy Term

      How long your policy continues

    • Payment Frequency

      How often you will pay premiums

    Payout options (Choose how your nominees should receive the payout)

    • Lumpsum

      The entire benefit as one payout.
    • Regular Income

      10% of the benefit amount will be paid out for 10 years in equal monthly instalments. The nominee can choose to get the first years benefit as a lump sum and the monthly income will start from the next month for 9 years. Know More
      Lower premium with this payout option
    • Increasing Income

      The benefit amount is payable in monthly instalments for 10 years starting with 10% of the benefit amount per annum in the first year. The income amount will increase by 10% per annum simple interest every year thereafter. Know More
    Plans death benefit / Terminal illness benefit

    Life Assured will receive sum assured in case of detection of terminal stage illness.

    Waiver of premium on Disability

    In the unfortunate case of permanent disability due to an accident, your policy continues and no more premium to be paid.

    Accidental death benefit of1 CRORE

    In case of death of the life assured due to an accident, the nominee will receive double the sum assured (if life cover is 10 lakh and ADBR is 10 lakh then the nominee will receive 20 lakh). Maximum amount that can be availed is2 Crore and will be paid as a lump sum.

    Critical Illness Benefit

    The CI Benefit offers you coverage against 34 critical illnesses. We will pay you the CI Benefit, as a lump sum to meet your financial needs in the unfortunate case of diagnosis of any of these illnesses.

    Maximum amount you can avail 1 Crore

    Your yearly Premium *
       
    N.A.
    7,631
    *inclusive of taxes
       
    N.A.
    7,200
    *inclusive of taxes

    1. We will pay the Death Benefit (the Sum Assured chosen by you) to your nominee, on the first occurrence of either:

    • Death of the Life Assured, or
    • Diagnosis of Terminal Illness

    2. On diagnosis of Permanent Disability due to an accident, the future premiums under your policy for all benefits are waived.

    3. You also get the Critical Illness (CI) Benefit. This benefit provides coverage against 34 critical illnesses. We will pay you the CI Benefit, as a lump sum to meet your financial needs. The benefit is payable irrespective of the actual expenses incurred for treatment and on first occurrence of any of the covered 34 illnesses.

    close
    6,900
    *inclusive of taxes

    1. We will pay the Death Benefit (the Sum Assured chosen by you) to your nominee, on the first occurrence of either:

    • Death of the Life Assured, or
    • Diagnosis of Terminal Illness

    2. On diagnosis of Permanent Disability due to an accident, the future premiums under your policy for all benefits are waived.

    3. In case of death due to an accident, we will pay your nominee the Accidental Death Benefit as lump sum. This benefit ensures that you enhance your life cover significantly at very affordable rates.

    close
    6,700
    *inclusive of taxes

    1. We will pay the Death Benefit (the Sum Assured chosen by you) to your nominee, on the first occurrence of either:

    • Death of the Life Assured, or
    • Diagnosis of Terminal Illness

    2. On diagnosis of Permanent Disability due to an accident, the future premiums under your policy for all benefits are waived.

    close
    Plans death benefit / Terminal illness benefit

    Life Assured will receive sum assured in case of detection of terminal stage illness.

    Waiver of premium on Disability

    In the unfortunate case of permanent disability due to an accident, your policy continues and no more premium to be paid.

    Accidental death benefit of1 CRORE

    In case of death of the life assured due to an accident, the nominee will receive double the sum assured (if life cover is 10 lakh and ADBR is 10 lakh then the nominee will receive 20 lakh). Maximum amount that can be availed is2 Crore and will be paid as a lump sum.

    Critical Illness Benefit

    The CI Benefit offers you coverage against 34 critical illnesses. We will pay you the CI Benefit, as a lump sum to meet your financial needs in the unfortunate case of diagnosis of any of these illnesses.

    Maximum amount you can avail1 Crore

    Your yearly Premium *
       
    N.A.
    7,631
    *inclusive of taxes
       
    N.A.
    7,200
    *inclusive of taxes

    1. We will pay the Death Benefit (the Sum Assured chosen by you) to your nominee, on the first occurrence of either:

    • Death of the Life Assured, or
    • Diagnosis of Terminal Illness

    2. On diagnosis of Permanent Disability due to an accident, the future premiums under your policy for all benefits are waived.

    3. You also get the Critical Illness (CI) Benefit. This benefit provides coverage against 34 critical illnesses. We will pay you the CI Benefit, as a lump sum to meet your financial needs. The benefit is payable irrespective of the actual expenses incurred for treatment and on first occurrence of any of the covered 34 illnesses.

    close
    6,900
    *inclusive of taxes

    1. We will pay the Death Benefit (the Sum Assured chosen by you) to your nominee, on the first occurrence of either:

    • Death of the Life Assured, or
    • Diagnosis of Terminal Illness

    2. On diagnosis of Permanent Disability due to an accident, the future premiums under your policy for all benefits are waived.

    3. In case of death due to an accident, we will pay your nominee the Accidental Death Benefit as lump sum. This benefit ensures that you enhance your life cover significantly at very affordable rates.

    close
    6,700
    *inclusive of taxes

    1. We will pay the Death Benefit (the Sum Assured chosen by you) to your nominee, on the first occurrence of either:

    • Death of the Life Assured, or
    • Diagnosis of Terminal Illness

    2. On diagnosis of Permanent Disability due to an accident, the future premiums under your policy for all benefits are waived.

    close
    Plans death benefit / Terminal illness benefit

    Life Assured will receive sum assured in case of detection of terminal stage illness.

    Waiver of premium on Disability

    In the unfortunate case of permanent disability due to an accident, your policy continues and no more premium to be paid.

    Accidental death benefit of1 CRORE

    In case of death of the life assured due to an accident, the nominee will receive double the sum assured (if life cover is 10 lakh and ADBR is 10 lakh then the nominee will receive 20 lakh). Maximum amount that can be availed is2 Crore and will be paid as a lump sum.

    Critical Illness Benefit

    The CI Benefit offers you coverage against 34 critical illnesses. We will pay you the CI Benefit, as a lump sum to meet your financial needs in the unfortunate case of diagnosis of any of these illnesses.

    Maximum amount you can avail 1 Crore

    Your yearly Premium *
       
    N.A.
    7,200
    *inclusive of taxes
       
    N.A.
    7,200
    *inclusive of taxes

    1. We will pay the Death Benefit (the Sum Assured chosen by you) to your nominee, on the first occurrence of either:

    • Death of the Life Assured, or
    • Diagnosis of Terminal Illness

    2. On diagnosis of Permanent Disability due to an accident, the future premiums under your policy for all benefits are waived.

    3. You also get the Critical Illness (CI) Benefit. This benefit provides coverage against 34 critical illnesses. We will pay you the CI Benefit, as a lump sum to meet your financial needs. The benefit is payable irrespective of the actual expenses incurred for treatment and on first occurrence of any of the covered 34 illnesses.

    close
    6,900
    *inclusive of taxes

    1. We will pay the Death Benefit (the Sum Assured chosen by you) to your nominee, on the first occurrence of either:

    • Death of the Life Assured, or
    • Diagnosis of Terminal Illness

    2. On diagnosis of Permanent Disability due to an accident, the future premiums under your policy for all benefits are waived.

    3. In case of death due to an accident, we will pay your nominee the Accidental Death Benefit as lump sum. This benefit ensures that you enhance your life cover significantly at very affordable rates.

    close
    6,700
    *inclusive of taxes

    1. We will pay the Death Benefit (the Sum Assured chosen by you) to your nominee, on the first occurrence of either:

    • Death of the Life Assured, or
    • Diagnosis of Terminal Illness

    2. On diagnosis of Permanent Disability due to an accident, the future premiums under your policy for all benefits are waived.

    close
  •  
    Edit  

    You need Life Cover of

       
    1.30 crore lifecover = 57,500
    monthly income for life1 What’s this?

    The term insurance cover from this plan is supposed to provide financial protection to your family after you. For example, in your absence, if the term insurance cover of 1.5Cr is invested in fixed deposit2 today, it can give your family a monthly income of 69,000. If this income, along with potential income from other sources, is not enough to secure your family’s future, then we recommend you increase the term insurance cover amount.

    close
    • you are

    • you were born on

    • Do you consume Tobacco?

      Select "No" for this question if in last 5 years you have not smoked cigarettes, bidis and cigars or consumed tobacco, ghutka, paan masala or any nicotine related products.

    YOUR PREMIUM:

    7631/- p.a.
    This option is available only for premium more than Rs. 3600.
    LIFE OPTION WITH POLICY TERM OF 20 YEARS AND LUMPSUM PAYOUT
    • Death Benefit of - 1 Crore

      Death benefit is the total cash payout that the nominee will receive in case of death of the life assured.

    • Terminal Illness Benefit

      You get 100% cash payout of the total life cover amount if you are diagnosed with terminal illness. The policy will close on payment of this benefit.

    • Waiver of premium on disability

      In the unfortunate case of permanent disability due to an accident, your policy continues and no more premium to be paid.

    You can get additional features
    • 34 critical illness benefit
      • 1 out of 3 people buy this plan with Critical Illness (CI) benefit
      • With this benefit, the full criticall illness claim is paid out on detection of illness. No hospital bills required
      • Customers choose CI benefit amount between15 to20 lakh. Maximum amount that can be availed is1 Crore.
    • Accidental death benefit
      • 2 out of 5 people buy this plan with Accidental Death Benefit.
      • With this benefit, nominee received double the insurance amount in case of death of the person covered by this policy due to an accident (if insurance amount is10 lakh andADB selected is10 lakh then nominee will receive20 lakh).
      • Maximum amount that can be availed is2 Crore and will be paid as a lump sum.
    • Choice of policy term
      • You can select a policy term of up to 40 years with Life and Life plus option
      • Critical illness benefit can be selected for a policy term of up to 30 years
    Proceed to customise plan
  •  

    Your contact Information

    Edit  

    Looks like your mobile number is not registered with Truecaller. Kindly fill these details to continue.

    • First Name

       
    • Last Name

       
    • email

       

      You may be contacted regarding your quote through email, so please make sure we have your correct details.

    • Mobile number

       

      To make sure you get the right life insurance, we can call you to talk you through your needs and help you buy.

    By submitting my contact details here, I override my NDNC registration and authorise ICICI Prudential Life and its authorised representatives to contact me.

  •  

    Your Policy, your way

    Edit  
    • Life cover

      The total sum assured

         
    • Payment term

      The duration for which you wish to pay premium

    • Policy Term

      How long your policy continues

    • Payment Frequency

      How often you will pay premiums

    Choose Your Payout Option

    • Lumpsum

         
    • Regular Income

         
    • Increasing Income

         

    The entire benefit as one payout.

    Lower premium with this payout option.
    10% of the benefit amount will be paid out for 10 years in equal monthly instalments. The nominee can choose to get the first years benefit as a lump sum and the monthly income will start from the next month for 9 years.

    Know more

    The benefit amount is payable in monthly instalments for 10 years starting with 10% of the benefit amount per annum in the first year. The income amount will increase by 10% per annum simple interest every year thereafter.

    Know more
    Plans Accidental death benefit of1 CRORE Critical Illness Benefit Your yearly Premium
       
    N.A.
    7,631
    *inclusive of taxes

    All in One Option - Benefits in Detail

    We will pay the Death Benefit (the Sum Assured chosen by you) to your nominee, on the first occurrence of either:

    • Death of the Life Assured, or
    • Diagnosis of Terminal Illness

    On diagnosis of Permanent Disability due to an accident, the future premiums under your policy for all benefits are waived.

    In case of death due to an accident, we will pay your nominee the Accidental Death Benefit as lump sum. This benefit ensures that you enhance your life cover significantly at very affordable rates.

    You also get the Critical Illness (CI) Benefit. This benefit provides coverage against 34 critical illnesses. We will pay you the CI Benefit, as a lump sum to meet your financial needs. The benefit is payable irrespective of the actual expenses incurred for treatment and on first occurrence of any of the covered 34 illnesses.

    COVERED CRITICAL ILLNESSES
    • Cancer

      Cancer of specified severity

    • Heart and Artery Benefit

      Angioplasty* | Heart Attack | Heart Valve Surgery | Surgery to aorta | Cardiomyopathy | Primary Pulmonary hypertension | CABG

    • Major Organ Benefit

      Blindness | Chronic Lung Disease | Chronic liver disease | Kidney Failure | Major Organ/ Bone Marrow Transplant

    • Brain and Nervous System Benefit

      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

    • Others

      Loss of Independent Existence | Loss of Limbs | Deafness | Loss of Speech | Medullary Cystic Disease | Systematic lupus Eryth. w. Renal Involvement | Major Burns | Aplastic Anaemia

    Please read the definitions and exclusions mentioned in the Terms & Conditions.

    *The CI Benefit for Angioplasty is subject to a maximum of Rs. 5,00,000. On payment of Angioplasty, if the CI Benefit is more than Rs. 5,00,000 the policy will continue for other CIs with CI Benefit reduced by Angioplasty payout. The future premiums payable for the residual CI Benefit will reduce proportionately.

    The policy will continue with the Death Benefit reduced by the extent of the CI Benefit paid. Once the CI Benefit is paid, the future premium towards CI benefit will stop and your premium amount will reduce. If CI Benefit paid is equal to the Death Benefit, the policy will terminate on payment of the CI Benefit. In case of incidences covered under accidental Permanent Disability as well as Critical Illness, benefits shall be paid out under both the options.

    close
       
    N.A.
    7,200
    *inclusive of taxes

    Life & Health Option - Benefits in Detail

    We will pay the Death Benefit (the Sum Assured chosen by you) to your nominee, on the first occurrence of either:

    • Death of the Life Assured, or
    • Diagnosis of Terminal Illness

    On diagnosis of Permanent Disability due to an accident, the future premiums under your policy for all benefits are waived.

    You also get the Critical Illness (CI) Benefit. This benefit provides coverage against 34 critical illnesses. We will pay you the CI Benefit, as a lump sum to meet your financial needs. The benefit is payable irrespective of the actual expenses incurred for treatment and on first occurrence of any of the covered 34 illnesses.

    COVERED CRITICAL ILLNESSES
    • Cancer

      Cancer of specified severity

    • Heart and Artery Benefit

      Angioplasty* | Heart Attack | Heart Valve Surgery | Surgery to aorta | Cardiomyopathy | Primary Pulmonary hypertension | CABG

    • Major Organ Benefit

      Blindness | Chronic Lung Disease | Chronic liver disease | Kidney Failure | Major Organ/ Bone Marrow Transplant

    • Brain and Nervous System Benefit

      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

    • Others

      Loss of Independent Existence | Loss of Limbs | Deafness | Loss of Speech | Medullary Cystic Disease | Systematic lupus Eryth. w. Renal Involvement | Major Burns | Aplastic Anaemia

    Please read the definitions and exclusions mentioned in the Terms & Conditions.

    *The CI Benefit for Angioplasty is subject to a maximum of Rs. 5,00,000. On payment of Angioplasty, if the CI Benefit is more than Rs. 5,00,000 the policy will continue for other CIs with CI Benefit reduced by Angioplasty payout. The future premiums payable for the residual CI Benefit will reduce proportionately.

    The policy will continue with the Death Benefit reduced by the extent of the CI Benefit paid. Once the CI Benefit is paid, the future premium towards CI benefit will stop and your premium amount will reduce. If CI Benefit paid is equal to the Death Benefit, the policy will terminate on payment of the CI Benefit. In case of incidences covered under accidental Permanent Disability as well as Critical Illness, benefits shall be paid out under both the options.

    close
    6,900
    *inclusive of taxes

    1. We will pay the Death Benefit (the Sum Assured chosen by you) to your nominee, on the first occurrence of either:

    • Death of the Life Assured, or
    • Diagnosis of Terminal Illness

    2. On diagnosis of Permanent Disability due to an accident, the future premiums under your policy for all benefits are waived.

    3. In case of death due to an accident, we will pay your nominee the Accidental Death Benefit as lump sum. This benefit ensures that you enhance your life cover significantly at very affordable rates.

    close
    6,700
    *inclusive of taxes

    1. We will pay the Death Benefit (the Sum Assured chosen by you) to your nominee, on the first occurrence of either:

    • Death of the Life Assured, or
    • Diagnosis of Terminal Illness

    2. On diagnosis of Permanent Disability due to an accident, the future premiums under your policy for all benefits are waived.

    close
    Plans Accidental death benefit of1 CRORE Critical Illness Benefit Your yearly Premium
       
    N.A.
    7,631
    *inclusive of taxes

    Policy Details: ICICI Pru iProtect Smart Life Option

    Comprehensive care and protection for your family

    The All in 1 option gives you all the benefits of the Life Option - Terminal Illness Benefit and Waiver Of Premium On Disability while also bringing you

    Accidental Death (AD) Benefit

    Death by accident of the breadwinner is a huge shock for the family and loved ones of the insured. With the Accidental Death Benefit we provide a lumpsum addition to the Death Benefit which is paid to your nominee in case of unfortunate event of death by accident. The Life Plus Option is a very affordable way to enhance your coverage significantly.

    Critical Illness Benefit:

    Major illness is a serious matter, the cost of care is high and you may also not be able to work. In this time your family needs full support. The CI Benefit offers you coverage against 34 critical illnesses. In case any of these illness are diagnosed we will pay you the CI benefit as a lumpsum and help you the difficult times.

    Critical Illnesses covered
    • Cancer

      Cancer of specified severity

    • Heart and Artery Benefit

      Angioplasty* | Heart Attack | Heart Valve Surgery | Surgery to aorta | Cardiomyopathy | Primary Pulmonary hypertension | CABG

    • Major Organ Benefit

      Blindness | Chronic Lung Disease | Chronic liver disease | Kidney Failure | Major Organ Transplant

    • Brain and Nervous System Benefit

      Apallic Syndrome | Benign Brain Tumour | Brain Surgery | Coma | Major Head Trauma | Paralysis | Stroke | Alzheimer's Disease | Motor Neurone Disease | Multiple Sclerosis | Muscular Dystrophy | Parkinson’s Disease | Poliomyelitis

    • Others

      Loss of Independent Existence | Loss of Limbs | Deafness | Loss of Speech | Medullary Cystic Disease | Systematic lupus Eryth. w. Renal Involvement | Major Burns | Aplastic Anaemia

    Please read the definitions and exclusions mentioned in the Terms & Conditions.

    *The CI Benefit for Angioplasty is subject to a maximum of Rs. 5,00,000. On payment of Angioplasty, if the CI Benefit is more than Rs. 5,00,000 the policy will continue for other CIs with CI Benefit reduced by Angioplasty payout. The future premiums payable for the residual CI Benefit will reduce proportionately.

    close
       
    N.A.
    7,200
    *inclusive of taxes

    Financial support when you need it most

    Health is precious and a health crisis can severely affect your family. The Life and Health Option gives you all the benefits of the Life Option such as Terminal Illness Benefit and Waiver of Premium on Disability while bringing you much needed financial support when you need it most.

    Critical Illness Benefit:

    Major illness is a serious matter, the cost of care is high and you may also not be able to work. In this time your family needs full support. The CI Benefit offers you coverage against 34 critical illnesses. In case any of these illness are diagnosed we will pay you the CI benefit as a lumpsum and help you the difficult times.

    Critical Illnesses covered
    • Cancer

      Cancer of specified severity

    • Heart and Artery Benefit

      Angioplasty* | Heart Attack | Heart Valve Surgery | Surgery to aorta | Cardiomyopathy | Primary Pulmonary hypertension | CABG

    • Major Organ Benefit

      Blindness | Chronic Lung Disease | Chronic liver disease | Kidney Failure | Major Organ Transplant

    • Brain and Nervous System Benefit

      Apallic Syndrome | Benign Brain Tumour | Brain Surgery | Coma | Major Head Trauma | Paralysis | Stroke | Alzheimer's Disease | Motor Neurone Disease | Multiple Sclerosis | Muscular Dystrophy | Parkinson’s Disease | Poliomyelitis

    • Others

      Loss of Independent Existence | Loss of Limbs | Deafness | Loss of Speech | Medullary Cystic Disease | Systematic lupus Eryth. w. Renal Involvement | Major Burns | Aplastic Anaemia

    Please read the definitions and exclusions mentioned in the Terms & Conditions.

    *The CI Benefit for Angioplasty is subject to a maximum of Rs. 5,00,000. On payment of Angioplasty, if the CI Benefit is more than Rs. 5,00,000 the policy will continue for other CIs with CI Benefit reduced by Angioplasty payout. The future premiums payable for the residual CI Benefit will reduce proportionately.

    close
    6,900
    *inclusive of taxes

    Added protection for your family and loved ones.

    This option provides you with all the benefits of the iProtect Life Option such as Terminal Illness Benefit and Waiver of Premium on Disability and also gives you:

    Accidental Death (AD) Benefit

    Death by accident of the breadwinner is a huge shock for the family and loved ones of the insured. With the Accidental Death Benefit we provide a lumpsum addition to the Death Benefit which is paid to your nominee in case of unfortunate event of death by accident. The Life Plus Option is a very affordable way to enhance your coverage significantly.

    close
    6,700
    *inclusive of taxes

    The perfect way to start protecting your family.

    ICICI Pru iProtect Smart Life option is loaded with features that help you through difficult times:

    Terminal Illness benefit:

    The payout amount that the nominees receive in the unfortunate case of the death or diagnosis of terminal illness of the insured.

    Waiver of Premium On Disability:

    In the unfortunate case of permanent disability due to an accident, your policy continues without you having to pay any premiums

    close
    Plans Accidental death benefit of1 CRORE Critical Illness Benefit Your yearly Premium
       
    N.A.
    7,631
    *inclusive of taxes

    Policy Details: ICICI Pru iProtect Smart Life Option

    Comprehensive care and protection for your family

    The All in 1 option gives you all the benefits of the Life Option - Terminal Illness Benefit and Waiver Of Premium On Disability while also bringing you

    Accidental Death (AD) Benefit

    Death by accident of the breadwinner is a huge shock for the family and loved ones of the insured. With the Accidental Death Benefit we provide a lumpsum addition to the Death Benefit which is paid to your nominee in case of unfortunate event of death by accident. The Life Plus Option is a very affordable way to enhance your coverage significantly.

    Critical Illness Benefit:

    Major illness is a serious matter, the cost of care is high and you may also not be able to work. In this time your family needs full support. The CI Benefit offers you coverage against 34 critical illnesses. In case any of these illness are diagnosed we will pay you the CI benefit as a lumpsum and help you the difficult times.

    Critical Illnesses covered
    • Cancer

      Cancer of specified severity

    • Heart and Artery Benefit

      Angioplasty* | Heart Attack | Heart Valve Surgery | Surgery to aorta | Cardiomyopathy | Primary Pulmonary hypertension | CABG

    • Major Organ Benefit

      Blindness | Chronic Lung Disease | Chronic liver disease | Kidney Failure | Major Organ Transplant

    • Brain and Nervous System Benefit

      Apallic Syndrome | Benign Brain Tumour | Brain Surgery | Coma | Major Head Trauma | Paralysis | Stroke | Alzheimer's Disease | Motor Neurone Disease | Multiple Sclerosis | Muscular Dystrophy | Parkinson’s Disease | Poliomyelitis

    • Others

      Loss of Independent Existence | Loss of Limbs | Deafness | Loss of Speech | Medullary Cystic Disease | Systematic lupus Eryth. w. Renal Involvement | Major Burns | Aplastic Anaemia

    Please read the definitions and exclusions mentioned in the Terms & Conditions.

    *The CI Benefit for Angioplasty is subject to a maximum of Rs. 5,00,000. On payment of Angioplasty, if the CI Benefit is more than Rs. 5,00,000 the policy will continue for other CIs with CI Benefit reduced by Angioplasty payout. The future premiums payable for the residual CI Benefit will reduce proportionately.

    close
       
    N.A.
    7,200
    *inclusive of taxes

    Financial support when you need it most

    Health is precious and a health crisis can severely affect your family. The Life and Health Option gives you all the benefits of the Life Option such as Terminal Illness Benefit and Waiver of Premium on Disability while bringing you much needed financial support when you need it most.

    Critical Illness Benefit:

    Major illness is a serious matter, the cost of care is high and you may also not be able to work. In this time your family needs full support. The CI Benefit offers you coverage against 34 critical illnesses. In case any of these illness are diagnosed we will pay you the CI benefit as a lumpsum and help you the difficult times.

    Critical Illnesses covered
    • Cancer

      Cancer of specified severity

    • Heart and Artery Benefit

      Angioplasty* | Heart Attack | Heart Valve Surgery | Surgery to aorta | Cardiomyopathy | Primary Pulmonary hypertension | CABG

    • Major Organ Benefit

      Blindness | Chronic Lung Disease | Chronic liver disease | Kidney Failure | Major Organ Transplant

    • Brain and Nervous System Benefit

      Apallic Syndrome | Benign Brain Tumour | Brain Surgery | Coma | Major Head Trauma | Paralysis | Stroke | Alzheimer's Disease | Motor Neurone Disease | Multiple Sclerosis | Muscular Dystrophy | Parkinson’s Disease | Poliomyelitis

    • Others

      Loss of Independent Existence | Loss of Limbs | Deafness | Loss of Speech | Medullary Cystic Disease | Systematic lupus Eryth. w. Renal Involvement | Major Burns | Aplastic Anaemia

    Please read the definitions and exclusions mentioned in the Terms & Conditions.

    *The CI Benefit for Angioplasty is subject to a maximum of Rs. 5,00,000. On payment of Angioplasty, if the CI Benefit is more than Rs. 5,00,000 the policy will continue for other CIs with CI Benefit reduced by Angioplasty payout. The future premiums payable for the residual CI Benefit will reduce proportionately.

    close
    6,900
    *inclusive of taxes

    Added protection for your family and loved ones.

    This option provides you with all the benefits of the iProtect Life Option such as Terminal Illness Benefit and Waiver of Premium on Disability and also gives you:

    Accidental Death (AD) Benefit

    Death by accident of the breadwinner is a huge shock for the family and loved ones of the insured. With the Accidental Death Benefit we provide a lumpsum addition to the Death Benefit which is paid to your nominee in case of unfortunate event of death by accident. The Life Plus Option is a very affordable way to enhance your coverage significantly.

    close
    6,700
    *inclusive of taxes

    The perfect way to start protecting your family.

    ICICI Pru iProtect Smart Life option is loaded with features that help you through difficult times:

    Terminal Illness benefit:

    The payout amount that the nominees receive in the unfortunate case of the death or diagnosis of terminal illness of the insured.

    Waiver of Premium On Disability:

    In the unfortunate case of permanent disability due to an accident, your policy continues without you having to pay any premiums

    close