Made for
illness shield
life claims
Easy and

Made for you

A plan that’ssincerely yours

No two people are exactly the same and every family is special. That’s why we have made this plan so simple and easy to personalise.

Choose a cover of `50 Lakh, `1 Crore or more as per your family’s needs at a cost that easily fits your budget. A large cover ensures your family has a shoulder to lean on, always
Option to add a critical illness6 cover of up to `1 Crore and a cover for accidental claims+ of up to `2 Crore at a nominal cost. Thus ensuring greater value for your money and more protection for you
Life is a journey. Choose to increase your life cover4 at key milestones like marriage, the birth of a child, buying of a house and more
We wish everyone a very long and prosperous life. Protection till the age of 99
Pay premiums at one go, monthly, half-yearly or yearly, you decide
The plan offers multiple benefit options to choose from - Life, Life Plus, Life & Health and All in one

Critical illness shield

Alife-saving plan,for life-threatening illnesses

Your life goals stay on track, no matter what. With the benefit of the claim amount being paid upfront on the diagnosis of a critical illness6, your hard-earned savings need not be touched.

A comprehensive plan that covers heart diseases, cancer, chronic lung diseases and many more illnesses that are not known but are growing at a fast rate, that too among people who least expect it
To get the right treatment one needs the power of "cash in hand" from the moment they’re diagnosed. That’s the advantage this plan gives, upfront money on the diagnosis without any bills
The road to recovery is never halfway. The claim money can help cover expenses incurred all the way from pre-hospitalisation to hospitalisation and even post-hospitalisation. It’s a complete life-saver

COVID-19 life claims

Millions have fought andrecovered

Given the uncertainty around COVID-19, this is a must-have protection. The assurance of life claim settlement for COVID-19 claims**, gives the much-needed peace of mind that loved ones will be taken care of.

A quick and dedicated claim settlement unit to ensure that families get undivided attention
Minimal documents to ensure that families get the support needed with no complications and as soon as possible

Trusted brand

Trustis the reason we exist

Over the last two decades, millions of people have trusted us for the financial security of their loved ones. Trust is our foundation and our cornerstone.

One of the top insurers7 in India. Only because of our customers
Voted as one of the most valuable brands in India 7 times in a row by over 32 lakh customers#
FICCI Award for excellence in claims and service, a validation of our commitment towards serving our customers##

Claim assured

You candepend on us, just like your family depends on you

No amount will compensate for the loss of a loved one but we guarantee that a family will receive the claim for sure. That’s our pledge.

A quick and seamless claim settlement process with just 4 documents. We are there to assist at every step
Life claims in just 1 day1, because we understand both the urgency and its importance
Our policy covers all types of death including natural causes, accidents, murder, illness, death due to natural calamities, suicides2 and more
The family has the option to receive the claim amount either as a lump sum or a monthly income, or a combination of both
Claim requests can be raised through our mobile app, website, helpline, email or at the branch

Easy and immediate

Your convenienceis our everyday task

We work to make our processes easy for our customers. You can access all our services at ease and at will.

24x7 digital servicing channels enabled for your convenience - WhatsApp, chatbot, mobile app, websites and more
Any time, any given day. 24x7 claims assistance
Choose how you buy. Whether through financial advisors, agents, websites, aggregators or partner banks we assure you a seamless experience
Quick policy issuance so that when it comes to securing your loved ones, there is no delay
Telemedical facility or medicals at home, so that one does not have to visit a medical center or a hospital for a medical test
Watch Our Flim
Frequenly Asked Questions
What are the various benefit options available under ICICI Pru iProtect Smart?

The plan offers the option to choose amongst various levels of protection: Life - Death Benefit + Terminal Illness + Waiver of Premium on permanent disability Life Plus - Death Benefit + Terminal Illness + Waiver of Premium on permanent disability + Accidental Death Benefit Life & Health - Death Benefit + Terminal Illness + Waiver of Premium on permanent disability + Accelerated Critical Illness Benefit All in One - Death Benefit + Terminal Illness + Waiver of Premium on permanent disability + Accidental Death Benefit + Accelerated Critical Illness Benefit

What is ICICI Prudential Life’s Claims Settlement Ratio?

Our claim settlement ratio` stood at an impressive 97.8%3 for FY2021-22. Also, we have consistently maintained a high claims settlement ratio3 of above 96% for the past 5 years. Thus, assuring peace of mind and ensuring that the financial future of loved ones is protected, always.

What types of death are covered in the policy?

Our policy covers all types of death including natural causes, accident, murder, illness, death due to natural calamities and more.
The plan also covers death due to suicide. However, it is not applicable if suicide is committed in the first year of policy inception.

What are the mandatory documents required for a claim settlement?

Just 4 documents are required to ensure a fast and hassle-free claim settlement with us. The mandatory documents to settle death claims are: Claimant's statement/Claim intimation form Copy of death certificate issued by local municipal authority Copy of claimant's photo identification proof and current address proof - List of photo ID and current address proof Cancelled cheque

What are riders in insurance?

Riders provide the much-needed extra safety that is needed to deal with uncertain times. They are add-ons or extra benefits that can be availed over and above the base policy by paying a small addition in premiums. Cost-effective riders help further enhance coverage and widen the protection net. Our term plan offers riders like the critical illness rider6 and accidental death benefit+ rider for your and your family’s extra safety.

What is the accidental death benefit+ rider and its utility?

An accidental death benefit rider+ with ICICI Pru iProtect Smart gives the nominee' a higher payout in case of demise of the policyholder due to an accident. For example, if the policyholder has a life cover4 of ₹1 Crore and opts for the accidental death benefit+ rider, the nominee can get a claim amount up to ₹2 Crore in case of an eventuality due to an accident.

Can multiple nominees be added for the same policy?

Nomination is a must in insurance. Yes, multiple nominees can be added to the same policy. When there is more than one nominee for the same policy, the nominees get the money jointly. In case of the death of one nominee, the survivor(s) gets the money. If there is more than one dependent, it makes sense to add multiple nominees.

Can the nominee` be changed after buying the policy? If yes, how can it be done?

Yes. There are two ways to do so, either through an endorsement or via a Will. Do ensure when the nominee is changed, the insurance company is kept informed.

Does buying ICICI Pru iProtect Smart help save tax? If yes, how much tax can be saved?

Yes, ICICI Pru iProtect Smart not only gives the family a financial cushion but also helps save taxes. One can save tax up to ₹ 54,600*/- on premiums paid under Sections 80C and 80D of the Income Tax Act, 1961. Also, the claim amount is tax-free* under Section 10(10D) subject to conditions mentioned therein.

Does a smoker need to pay higher premiums? If so, why?

Yes, a smoker may need to pay a higher premium. This is because, smoking increases the risk of insuring one’s life, which may lead to an increase in the premium.

Does one get the claim payout in case of a terminal illness'?

We stand by our customers in times of distress. In case of a terminal illness', where there are high chances of death in the next 6 months, the entire claim money is paid out on the diagnosis.
With this benefit, we ensure families have the required funds to meet day-to-day expenses and maintain the same standard of living in absence of the policyholder. The policy terminates upon payment of terminal illness benefit.

What happens if one is not able to pay their premiums due to a permanent disability~?

Don’t worry. The company will pay premiums on behalf of the policyholder in case of a permanent disability~. Thus we assure that, the family’s protection needs are kept intact.

6Accelerated Critical Illness Benefit (ACI Benefit) is optional and available under Life & Health and All in One options. This benefit is payable, on the first occurrence of any of the 34 illnesses covered. Medical documents confirming the diagnosis of critical illness need to be submitted. The benefit is payable only on the fulfilment of the definition of the diagnosed critical illness. The ACI Benefit is accelerated and not an additional benefit, which means the policy will continue with the Death Benefit reduced by the extent of the ACI Benefit paid. The future premiums payable under the policy will reduce proportionately. If ACI Benefit paid is equal to the Death Benefit, the policy will terminate on payment of the ACI Benefit. To know more in detail about the ACI Benefit and terms & conditions governing it, kindly refer to the sales brochure. ACI Benefit term would be equal to policy term or 30 years or (75-Age at entry), whichever is lower. **Our Life insurance policies cover COVID-19 life claims, subject to applicable terms and conditions of policy contract and extant regulatory framework. #As per BrandZ, top 75 most valuable Indian brands 2020, 2019, 2018 and BrandZ top 50 most valuable Indian brands 2017, 2016, 2015, 2014. Study by KANTAR Milward Brown and published by WPP ##FICCI Insurance Industry awards 2020 1 Day 1 is counted from the day of receiving the last document. All due premiums in the policy must have been paid and the policy must have been active for a continuous period of 3 years. Mandatory document to be submitted at Branch Office before 3:00 pm on a working day- Original policy certificate, copy of death certificate by the local authority, Nominee’s current address proof, photo identity proof, Cancelled cheque, Copy of bank passbook, Copy of medico-legal cause of death, Medical records (Admission notes, Discharge/Death summary, Test reports, etc.). For accidental death – Copy of FIR, Panchanama, Inquest report, Driving license. Claim documents submitted prior to 3:00 pm will be considered for ULIP policies. Interest will be paid on claim amount for every day of delay beyond 1 working day. Applicable only for non-investigative death claims. Interest shall be at the bank rate that is prevalent at the beginning of the financial year in which death claim has been received. In case of a breach in regulatory turnaround time, interest will be paid as per IRDAI regulations. 2death due to suicide gets covered under the policy after one year 3Claim statistics are for FY2020-21 and is computed basis individual claims settled over total individual claims for the financial year. For details, refer to ICICI Prudential Life Annual Report FY2020-21. ` Nominee is the person you appoint at the time of purchase for receiving the benefits of your insurance policy in your absence. + Accidental Death benefit (ADB) is up to ₹ 2 Crores(Subjected to Underwriting guidelines). ADB is available in Life Plus and All in One options. In case of death due to an accident, Accidental Death Benefit will be paid out in addition to Death Benefit. Accidental Death Benefit will be equal to the policy term or (80-Age at entry), whichever is lower. A Life Assured shall be regarded as Terminally Ill only if that Life Assured is diagnosed as suffering from a condition which, in the opinion of two independent medical practitioners specialising in the treatment of such illness, is highly likely to lead to death within 6 months. The terminal illness must be diagnosed and confirmed by medical practitioners registered with the Indian Medical Association and approved by the Company. The Company reserves the right for independent assessment. ~ Refer to the product brochure for the definitions, exclusions and other terms and conditions applicable for Permanent Disability due to accident and Terminal Illness 5 ICICI Pru iProtect Smart offers four variants namely ‘Life’, ‘Life plus’, ‘Life and health’ and ‘All in One’ with different benefits. “All in One” is one of the four variants offered under iProtect Smart having all benefits offered under other ICICI Pru iProtect Smart variants namely Life, Life plus and Life & health. The customer can choose any one variant from the four available variants. Please refer to the product brochure for more details. 7 Source: * Tax benefit of ₹ 54,600/- (₹ 46,800/- u/s 80C & ₹ 7,800/- u/s 80D) is calculated at highest tax slab rate of 31.2% (including Cess excluding surcharge) on life insurance premium u/s 80C of `1,50,000 and health premium u/s 80D of ₹ 25,000/-. Tax benefits under the policy are subject to conditions under Sections 80C, 80D, 10(10D), 115BAC 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 the above. 4 Life Cover is the benefit payable on the death of the life assured during the policy term.
ICICI Pru iProtect Smart UIN
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