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ICICI Prudential iProtect Smart Term Insurance

152 reviews Rate This
ICICI Term Insurance
iProtect Smart Plan
Claim Settlement Ratio97.90%
Customer Care10:00 AM to 7:00 PM
Death Benefit Paid For11,212 Policies
Inception2001
Presence514 Branches
Total Death Benefit Paid1,023.64 Crore

About ICICI Prudential iProtect Smart Term Insurance

ICICI Pru iProtect Smart is a term life insurance plan that financially protects you and your family in difficult times. The plan comes with four plan options namely Life, Life Plus, Life and Health, and All-in-one. The plan options differ in terms of benefits and other features offered under them. The ICICI Pru iProtect Smart Plan comes with two riders namely accidental death benefit and critical illness benefit. Under critical illness benefit, it provides health cover against 34 critical illnesses, the claim for which is paid on the first diagnosis itself, for which no hospital bills will be required. Under the accidental death benefit, it offers you cover for up to Rs. 2 crores. In-built benefits of the plan include death or terminal illness benefit (for AIDS as well) and waiver of premium on disability benefit.

The plan comes with four payout options which you can choose as per your own requirement. These include lump-sum payments, monthly income, increasing income, and lump sum plus income. The premium for this plan can be paid in single, half-yearly, yearly, and monthly payment. The minimum sum assured under the plan is subject to minimum premium and the maximum sum assured is unlimited, which is subject to board approved underwriting policy. The plan is suitable for parents, newly married couples, working women, young professionals, taxpayers, self-employed people, retirees, and SIP investors.

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Key Inclusions and Exclusions of the Plan

What's Included

  • COVID-19 related claims
  • Cover against 34 critical illnesses (optional)
  • Permanent disability benefit
  • Accidental death benefit (optional)
  • Death and terminal illness cover

What's Not Included

  • Self-inflicted injury, suicide, insanity
  • Participation in any illegal or criminal act with criminal intent
  • Use of intoxicating drugs, alcohol, solvent, etc.
  • Treatment for injuries caused due to hunting, mountaineering, etc.
  • Treatment of donor for the replacement of an organ

ICICI Prudential iProtect Smart Plan Brochure

  • 1.37 MB
  • PDF Document
  • Jun 22, 2021
Download PDF

iProtect Smart Plan User Reviews

4.6
Rating based on
152 User reviews
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What users are saying
  • All
  • Happy with ICICI Prudential

    It can be a pain to renew your life insurance. I found InsuranceDekho to be very helpful. They helped me get quotes from many insurance companies (PNB Metlife, LIC, etc.) and choose the best policy for my life insurance. I bought ICICI Prudential life insurance and am happy with the services. Thanks, team.

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    S
    By Shail Arora
    On: Jun 07, 2024
  • Guaranteed Renewability

    I was happy to see that InsuranceDekho's ICICI Prudential Term Insurance- iProtect Smart Plan came with guaranteed renewability, which means I can renew my coverage at the end of the term without the need for a medical examination or underwriting.

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    G
    By Garima Manihar
    On: Sep 12, 2023
  • Best term plan offered

    While purchasing a term plan from InsuranceDekho I noticed that InsuranceDekho’s website offers some best term plans provided by some of the best insurance companies in India. I was able to compare term plans offered by leading insurance companies in India. I purchased the ICICI Prudential Term Insurance- iProtect Smart Plan from InsuranceDekho. 

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    J
    By Jaya Verma
    On: Aug 22, 2023
  • Estimating premiums made easy

    Estimating premiums by using the online term insurance premium calculator has become a very easy task. By entering simple details such as name, gender, age, sum assured, and personal habits like consuming alcohol/tobacco, etc. I was able to easily estimate the premium. After calculating premiums and comparing different plans I purchased the ICICI Prudential Term Insurance- iProtect Smart Plan.

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    H
    By Harshi Sharma
    On: Aug 03, 2023
  • Uncompromising Protection, Unb...

    InsuranceDekho's term insurance provides uncompromising protection at an unbeatable price. The ICICI Prudential Term Insurance- iProtect Smart Plan’s coverage is extensive, and the premiums are reasonable, making it the perfect choice for securing your family's future.

    Read More

    R
    By Ranjana Bisht
    On: Jul 24, 2023
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Claim Process at ICICI Term Insurance

  • 1

    Claim Intimation

    In the case of death of the life assured, a claim intimation to the insurance company must be made as early as possible.
  • 2

    Submission of Documents

    Claim form, death certificate, original policy document, and more documents must be submitted to ensure smooth claim settlement.
  • 3

    Claim Evaluation

    Once the documents are submitted, the insurance company will conduct thorough evaluation of the claim filed.
  • 4

    Claim Settlement

    If claim request is approved, claim settlement is done within 30 days. If additional investigation is required, it make take 6 months.

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