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ICICI Prudential iProtect Smart Term Insurance User Reviews

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ICICI Prudential
Highlights
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
Rating of iProtect Smart Plan
4.8
Based on
12 User reviews

  • Purchased a good term plan

    While browsing through the website of InsuranceDekho, I found a detailed description about how to choose a right term insurance plan. I considered the factors while choosing a term plan for myself. Finally I purchased ICICI Pru IProtect Smart plan from InsuranceDekho. I am extremely satisfied with my purchase. 

    J
    Jasveer Dawar
    On: Nov 11, 2021

  • Best insurance companies listed

    I wanted to purchase a term insurance plan from an insurance provider whom I can fully rely on. InsuranceDekho’s website displayed a list of some of the leading insurance companies in India based on their claim settlement ratio. With the help of this information I purchased ICICI Prudential IProtect Smart Plan. 

    V
    Vishal Mukherjee
    On: Oct 05, 2021

FAQs

  • Why should I buy an ICICI Term Insurance plan?

    This type of life insurance provides financial protection to the nominee or the beneficiary in case the policyholder dies during the policy term. ICICI Term insurance has an impressive claim settlement ratio of 97.84% FY 2019-20.

  • How much ICICI Prudential Term Insurance cover is needed?

    As a general thumb rule, you should have ideal term insurance cover up to 10 times of your annual income. 

  • Are deaths due to COVID-19 is covered under the ICICI Prudential Life Term insurance plan?

    Yes, if the policyholder passes away due to COVID-19, its nominee will get the sum assured as a death benefit.

  • Does ICICI Prudential Term Insurance policy cover death due to suicides?

    Yes, the ICICI Prudential Term Life policy covers death due to suicides.

  • Which is the minimum age to buy an ICICI Prudential Term Insurance plan?

    You can buy the plan at a minimum age of 18 years.

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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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