ICICI Pru iProtect Smart offers special premium rates for women and cover female organ cancers like breast cancer and cervical cancer if 34 critical illness option^## is chosen. Shown below are premium rates for the All-In-One and Life versions of a sample term plan with a life cover of ₹ 1 crore, 34 Critical Illness Benefit of ₹ 10 lakh and Accidental Death Benefit of ₹ 1 crore. This example is for a 30-year-old healthy male and female for a 30-year policy term. The premiums are on annual basis, inclusive of taxes, in case of Regular Pay:

Please note:

¹ You can choose from benefit options like Life, Life Plus, Life & Health, and All-in-One option depending on your protection needs.

² Accelerated Critical Illness Benefit (ACI Benefit) is optional and available under Life & Health and All-in-One option. This benefit is payable, on the first occurrence of any of the 34 critical 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 the policy term or 30 years or (75-Age at entry), whichever is lower.

³ Accidental Death Benefit (ADB) is up to ₹ 2 Crore (Subjected to Underwriting guidelines). ADB is available in Life Plus and All-in-One option. 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.

⁴ The above example is for a 30-year-old healthy female for ICICI Pru iProtect Smart with a life cover of `1 crore for a 30 year term with a Lump sum payout option and the premium rates are exclusive of all taxes. The premiums are annual and for Regular Pay.

^! Life Cover is the benefit payable on the death of the life assured during the policy term.

The older you get, the higher will be your premium. That's why it makes sense to get protected now so that the premium is fixed for the complete term. Shown below are annual premiums for different versions of a sample term plan with a life cover of ₹ 1 crore, 34 Critical Illness Benefit of ₹ 10 lakh and Accidental Death Benefit of ₹ 1 crore. This example is for a 30-year-old and 32-year-old healthy male for a 30-year term with a Regular Pay and lump sum payout option and the premium rates are exclusive of all taxes:

Please note:

¹ You can choose from benefit options like Life, Life Plus, Life & Health, and All-in-One option depending on your protection needs.

² Accelerated Critical Illness Benefit (ACI Benefit) is optional and available under Life & Health and All-in-One option. This benefit is payable, on the first occurrence of any of the 34 critical 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 the policy term or 30 years or (75-Age at entry), whichever is lower.

³ Accidental Death Benefit (ADB) is up to ₹ 2 Crore (Subjected to Underwriting guidelines). ADB is available in Life Plus and All-in-One option. 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.

⁴ The above example is for a 30-year-old, and 32-year-old healthy male for ICICI Pru iProtect Smart with a life cover of crore for a 30 year term with a lump sum payout option and the premium rates are exclusive of all taxes. The premiums are annual and for Regular Pay.

^! Life Cover is the benefit payable on the death of the life assured during the policy term.

If you increase the life cover amount, the premium will not increase much. So it makes smart sense to take an adequate amount of life cover now. Shown below are annual premiums for different versions of a sample term plan with 34 Critical Illness Benefit of ₹ 10 lakh and Accidental Death Benefit of ₹ 1 crore. This example is for a 30-year-old healthy male with a life cover of ₹ 1 crore, ₹ 1.5 crore and ₹ 2 crore for a policy term of 30 years with a Regular Pay and lump sum payout option and the premium rates are exclusive of all taxes

Please note:

¹You can choose from benefit options like Life, Life Plus, Life & Health, and All-in-One option depending on your protection needs.

²Accelerated Critical Illness Benefit (ACI Benefit) is optional and available under Life & Health and All-in-One option. This benefit is payable, on the first occurrence of any of the 34 critical 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 the policy term or 30 years or (75-Age at entry), whichever is lower.

³Accidental Death Benefit (ADB) is up to ₹ 2 Crore (Subjected to Underwriting guidelines). ADB is available in Life Plus and All-in-One option. 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.

⁴ The above example is for a 30-year-old healthy male for ICICI Pru iProtect Smart with a life cover of ₹ 1 crore, ₹ 1.5 crore and ₹ 2 crore for a policy term of 30 years with a lump sum payout option and the premium rates are exclusive of all taxes.

^! Life Cover is the benefit payable on the death of the life assured during the policy term.

With ICICI Pru iProtect Smart, you can choose to pay premiums regularly, for a limited time or once - i.e. pay the premium once and get cover for the full policy term. Shown below is a comparison of premiums in the case of Single Pay and Regular Pay for a sample plan with a life cover of ₹ 1 crore. This example is for a 30-year-old healthy male for a life cover of ₹ 1 crore for a policy term of 20 years with a lump sum payout option, and the premium rates are exclusive of all taxes:

Please note:

¹ You can choose from benefit options like Life, Life Plus, Life & Health, and All-in-One option depending on your protection needs.

² For the example above, if you choose a single premium, your one-time payment will be ₹ 1,68,274/-. For the same policy, if you choose regular premium payment (every year), the total premium payable over the policy term will be ₹ 9,036 X 20 = ₹ 1,80,720/-. Please note that these values are shown without considering the time value of money. Premium rates are exclusive of all taxes. The above example is for a 30-year-old healthy male for ICICI Pru iProtect Smart with a life cover of ₹ 1 crore for a policy term of 20 years with a lump sum payout option and the premium rates are exclusive of all taxes.

^! Life Cover is the benefit payable on the death of the life assured during the policy term