Life
Cover + Multiple Benefits9## in 1 plan
- Covers COVID-19 life
claims8
ICICI Pru iProtect Smart
Protect the ones
you love the most
Protect the ones you
love the most
Buy
online
& get a 5% discount‘ throughout your policy
term
Life Cover + Multiple
Benefits9## in 1 plan- Covers COVID-19 life
claims8
Buy online & get a
5%
discount‘ throughout your policy term
Know how limited pay
works
Watch VideoHere's what a 32-year-old
healthy
male with a life cover of ₹1 crore and policy term of 53 years would pay1
Limited Pay
Monthly premium : ₹9,251
Total premium : ₹5,55,060
Saved ₹ 8,32,056
Savings 59.98%
Regular Pay
Monthly premium : ₹ 2,181
Total premium : ₹ 13,87,116
Savings 0%
Steps to buy
Calculate your Term
Insurance
premium
Make
payment
& submit documents
Make
payment
&
submit documents
submit documents
Complete medical
check-up
check-up
Policy
Issued
How the
plan
works? Play Video
Priya's
Story
Quick Guide to your plan
Term Plan
Additional Benefits
Term Plan Calculator
Quick Guide to your plan
Term
Plan
Plan
Additional
Benefits
Benefits
Term Plan
Calculator
Calculator
When should I buy a term plan?
The earlier you buy a
Term
Plan, the better it is as the premiums are lower when you are young.
Also, with current lifestyles and increasing instances of illnesses,
it may become difficult to get a term plan later, as you grow older
Anil, 30
years old
Non-smoker
Arun, 40
years old
Non-smoker
Anil, 30
years old
Non-smoker
Policy duration:
30 years
30 years
Premium:
₹885 p.m
₹885 p.m
Arun, 40
years old
Non-smoker
Policy duration:
30 years
30 years
Premium:
₹1,784 p.m
₹1,784 p.m
What is Accidental Death benefit9 (optional)?
In case the policyholder
dies due to an accident during the policy term, the nominee/legal
heir
will be paid an extra amount. A maximum cover of ₹2 crore is
available
with this benefit, which you can add during purchase or even after
the
purchase
Anil - Age
30
Anil - Age
45
Anil - Age
30
Anil chooses a life cover of ₹1
crore
with Accidental Death benefit cover of ₹50 lakh.
Anil - Age
45
Anil dies due to an accident and his
nominee
gets ₹1.5 crore
What is Inbuilt Terminal illness benefit3?
If the policyholder is
diagnosed
with a terminal illness like AIDS, full sum assured is paid out
immediately.
This is an in-built benefit and thus, comes at no extra cost
Anil - Age
30
Anil - Age
45
Anil - Age
30
Anil buys ICICI Pru iProtect Smart with
a
life cover of ₹1 crore
Anil - Age
45
He is diagnosed with a terminal illness.
His entire life cover amount is paid to him.
What is Inbuilt Permanent disability benefit5?
The policyholder does
not
need to pay future premiums in case of permanent disability due to
an
accident. The life cover continues for the entire policy term. This
is
an in-built benefit and thus, comes at no extra cost
Ajay- Age
32
Ajay- Age
45
Ajay- Age
32
Ajay buys ICICI Pru iProtect Smart with
a
life cover of ₹1 crore and a policy term of 30
years.
Ajay- Age
45
Ajay meets with an accident and he was
not
able to move, climb or bend. The company waived off all
his
future premiums and the life insurance cover stayed in
force
for the entire policy term.
Claim Settlement Process
Step 1
Report
Report Claim
You can report your claims online, at our branches, at our central office,
on our central ClaimCare helpline, through SMS
or e-mail
Step 2
Process
Our special ClaimCare team will assess your claim, and inform you in case
any further documents need to be submitted
Step 3
Settle
Once your claim is intimated, and we receive all the relevant documents, we
will settle your claim
Why choose ICICI Prudential Life?
5.81 Cr%
Lives covered as
on March 31, 2022
on March 31, 2022
₹2.04 Lakh Cr`
Benefits paid till
March 31, 2022
March 31, 2022
1 Day
Claim
Settlement >
Settlement >
30 Day Return Policy
If not satisfied, return
(free look) the policy and
get your money back
(free look) the policy and
get your money back
If not satisfied, return (free
look)
the policy and get your money back
Get Expert Advice at
your comfort
your comfort
Get Expert Advice
at your comfort
at your comfort
Real-time assistance provided to address
all
your queries regarding the product and its benefits
Connect with insurance experts to understand
process related benefits for NRIs
Receive personalised plan recommendations
from
our insurance experts based on your profile
Our experts will help you fill out the application form to
ensure a seamless boarding experience for you
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at
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Terms!
Book Your Call
You can also call us at our tollfree number
1800 2679777
(Call available between 9 a.m. to 9 p.m. IST)
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expert!
- We will not spam you, get advice on your own terms
- Quality advisory where we hear all your needs on the right product for you
- We will assist you in customising plan as per your needs
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Schedule
All Benefits
Smart Exit° Option
Receive your premiums back with Smart Exit Benefit°. This option can be exercised in any policy year greater than 25 but not during the last 5 policy years, provided the age of the life assured is 60 years or more at the time of exercise. No additional premium is payable to avail this option.
1 Day Claim Settlement>
We understand that claim settlement is one of the most important factors for you to make the right decision to secure you and your family and that is exactly why we have made the process quicker and simpler wherein we are settling claims in 1 day>.
Accidental
Death Cover (Optional)9
Your nominee can get a higher payout in case of your unfortunate demise due to an accident. Along with your term insurance cover you can attach additional accidental death cover with the policy up to ₹2 crore.
Over ₹2,900Cr Volume Of Claimsε Closed
In Financial Year FY2021-22, ICICI Prudential Life Insurance has paid individual death claims amounting to ₹2,977Cr
34 Critical Illnesses
Cover##
(Optional)
Our term insurance plan you gives you additional protection against 34 life threatening illnesses such as Cancer, Heart Attack and Kidney Failure. Claim paid out on first diagnosis, no hospital bills needed. Policy will continue with the life cover reduced by the extent of the critical illness benefit paid. List of 34 Critical Illness##
Tax Benefits^
You get Tax Benefits on premiums paid of up to ₹54,600 under section 80C , 80D and 10(10D) of the Income Tax Act, 1961. The term insurance cover and rider payouts are tax free.
Terminal Illness
Benefit3
If the policyholder under the policy is diagnosed with a terminal illness, then the full death benefit is paid out. This benefit comes in-built with the term insurance policy at no extra cost.
Permanent Disability
Waiver5
In case of permanent disability due to an accident, all future premiums are waived off and the life cover continues for the remaining policy duration. This benefit comes in-built in your term insurance policy without any extra cost to you.
At your Doorstep claim assistance
At request of the nominee, the ClaimsCare Team will pick-up the physical documents from the place of residence. This facility is available for select locations only. In order to avail this facility, kindly call on 18602667766 or drop an E-mail at claimsupport@iciciprulife.com
x
WE HAVE SOMETHING SPECIAL IN STORE FOR YOU!
Based on your profile we recommend you our latest term insurance plan
Now you can avail
FASTER policy issuance
Just by entering your PAN
- •Priority issuance
- •Income document waiver
- •Dedicated relationship manager
Please enter all the above details
Continue with standard
issuance
Benefits of ICICI Pru iProtect Smart Plan
Smart Exit° Option
Receive your premiums back with Smart Exit
Benefit°. This option can be exercised in any policy year greater than 25 but not
during the last 5 policy years, provided the age of the life assured is 60 years or more at
the time of exercise. No additional premium is payable to avail this option.
Limited premium payments
Choose to pay only for a limited number of years
(5, 7 or 10)**
1 Day Claim Settlement>
The claim settlement process has been made quicker and
simpler, wherein we are settling claims in 1 day>, provided that the policy has
been active for 3 continuous years, all mandatory claim documents have been submitted at
branch, and total claim amount of all policies held by the Life Assured =< ₹1.5 Crore. The
claim should not require any on-ground investigation.
Over ₹2,900Cr Volume Of Claimsε Closed
In Financial Year FY2021-22, ICICI Prudential Life
Insurance
has paid individual death claims amounting to ₹2,977Crε.
34 Critical Illnesses
Cover## (Optional)
Cover## (Optional)
Our term insurance plan you gives you
additional
protection
against 34 life threatening illnesses such as Cancer, Heart Attack and Kidney Failure.
Claim
paid out on first diagnosis, no hospital bills needed. Policy will continue with the
life
cover
reduced by the extent of the critical illness benefit paid.List
of 34 Critical Illness##
- Cancer of specified severity
- Angioplasty
- Myocardial Infarction (First Heart Attack - of specified severity)
- Heart Valve Surgery (Open Heart Replacement or repair of Heart Valves)
- Surgery to aorta Heart and Artery Benefit
- Cardiomyopathy
- Primary (Idiopathic) Pulmonary hypertension
- Open Chest CABG
- Blindness
- End stage Lung Failure (Chronic Lung Disease)
- End stage Liver Failure (Chronic Liver disease)
- Kidney Failure Requiring Regular Dialysis
- Major Organ/ Bone Marrow Transplant
- Apallic Syndrome
- Benign Brain Tumour
- Brain Surgery
- Coma of specified Severity
- 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 with Renal Involvement
- Third degree Burns (Major Burns)
- Aplastic Anaemia
Accidental
Death Cover (Optional)9
Death Cover (Optional)9
Your nominee can get a higher payout in case of your unfortunate demise due to an
accident.
Along with your term insurance
cover you can attach additional accidental death cover with the policy up to ₹2
crore.
Tax Benefits^
You get Tax Benefits on premiums paid of up to ₹54,600 under section 80C , 80D and
10(10D) of the Income Tax Act, 1961. The
term insurance cover and rider payouts are tax free.
Terminal Illness
Benefit3
Benefit3
If the policyholder under the policy is diagnosed with a terminal illness, then the full
death benefit is paid out. This
benefit comes in-built with the term insurance policy at no extra cost.
Permanent Disability
Waiver5
Waiver5
In case of permanent disability due to an accident, all future premiums are waived off
and
the life cover continues for the
remaining policy duration. This benefit comes in-built in your term insurance policy
without
any extra cost to you
At your Doorstep claim assistance
At request of the nominee, the ClaimsCare Team will pick-up the physical documents from
the
place of residence. This facility is available for select locations only. In order to
avail
this facility, kindly call on 18602667766 or drop an E-mail at
claimsupport@iciciprulife.com
ICICI EMPLOYEE DISCOUNT
Get 10% discount
throughout the policy term
throughout the policy term
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Employee discount applied
YOUR PREMIUM
₹
/ month
After 10% employee discount