Does this plan have waiver of premium⁵?

In case of permanent disability due to an accident, the company waives all future premiums and your policy continues uninterrupted.

Does this plan provide tax benefits?

Yes, it gives three types of tax benefits.

1. Premiums paid are tax-free under section 80 C.
2. When you opt for Critical Illness benefit you can get additional tax benefit under section 80D.
3. Claim amount received by you or your nominee is tax free under section 10(10D).

Tax benefits under the policy are subject to conditions under Sec. 80C, 80D,10(10D) and other provisions of the Income Tax Act, 1961. Goods and Services Tax and Cesses, if any, will be charged extra as per prevailing rates. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on above.

Can I buy this plan online?

Yes, you can buy this plan online on your desktop or on your mobile phone. Buying online gives additional discount and takes just 10 minutes to complete the purchase (subject to realisation of payment and documents).

Can I buy this plan under Married Women's Property (MWP) Act?

Yes, you can buy this plan under MWP⁴ act. In fact, you can attach MWP act even when you are buying online. All you have to do is tick "yes" in the MWP⁴ act question which appears in the application form.

Is death due to suicide included in this plan?

Yes, death due to suicide is covered in this plan. If death of the policy holder happens due to suicide within a year, the nominee or beneficiary of the policyholder shall be entitled to 80% of the premiums paid till the death, provided the policy is in force.

At what age can I start this plan?

You can start this plan from the age of 18. But, the maximum age should not exceed 65 years.

How much premium do I have to pay?

The premium will depend on the Life Cover⁶ amount and other Benefit Options you choose. It starts from ₹ 2,400 per annum excluding taxes as applicable for Life Option.

How much money will my family receive in case of death due to an accident?

Your family will receive the combined lump sum amount of Life Cover + Accident Cover if chosen by you.

How much Critical Illness Benefit can I choose?

The minimum Critical Illness Benefit^{^} you can choose is `1 lakh. The maximum benefit will be up to the basic Life Cover<sup>6</sup> subject to maximum of `1 crore, as per the company policy.

When do I receive Critical illness pay-out?

This benefit is payable when you are diagnosed for the first time with any of the 34 critical illnesses^{^} covered by ICICI Pru iProtect Smart. A copy of the diagnosis report is enough to initiate the critical illness claim.

Does my Life Cover or Premium change after I receive the critical illness benefit?

What are the protection benefits available in this plan?

1. Death and Terminal Illness¹: Your nominee receives the Life Cover⁶ amount in case of your death. 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 either the death benefit or the terminal illness benefit^{^}. Terminal Illness¹ refers to the high likeliness of death within the next six months as diagnosed by medical practitioners that specialise in the same. To know more about the details of Terminal Illness¹, refer to the information provided in the product brochure.
2. Permanent Disability⁵: The company pays all due premiums on your behalf in case of permanent disability⁵ caused due to an accident. Permanent Disability⁵ will be triggered if you are unable to perform 3 out of the 6 following activities permanently and consistently for 6 consecutive months:
   1. Mobility: The ability to walk a distance of 200 meters on flat ground.
   2. Bending: The ability to bend or kneel to touch the floor and straighten up again and the ability to get into a standard car, and out again.
   3. Climbing: The ability to climb up a flight of 12 stairs and down again, using a handrail if needed.
   4. Lifting: The ability to pick up an object weighing 2 kg at table height and hold it for 60 seconds before replacing the object on the table.
   5. Writing: The ability to write using a pen or pencil, or type using a computer's keyboard.
   6. Blindness (permanent and irreversible): Permanent and irreversible loss of sight to the extent that even when tested with the use of visual aids, vision is measured at 3/60 or worse, using a Snellen eye chart.
3. Accidental Death⁺ (optional): In case of death due to an accident, your nominee receives a lump sum amount called the Accident Cover⁺.
4. Critical Illness^{^} (optional): On the first occurrence of any of the covered 34 critical illnesses^{^}, you receive a lump sum pay-out^*.

Which Benefit is covered under which benefit option?

You can choose your level of protection by selecting one of the four benefit options to suit your need. The plan options are Life, Life Plus, Life & Health and All-in-one.

Death, Terminal Illness¹ and Permanent Disability⁵ are covered irrespective of the plan option chosen as shown below:

Does this plan have single premium option?

Does this plan increase life cover after marriage or birth of a child?

Yes, ICICI Pru iProtect Smart gives you this facility, with life stage protection, under all its plans without any medicals.

Subject to a maximum limit as per company policy.

Additional premium will be calculated according to the increased Life Cover and the remaining policy period.