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Apply NowICICI Prudential iProtect Smart
Complete protection for your loved ones
ICICI Prudential iProtect Smart
Complete protection for your loved ones
₹ 1 Crore Cover @ ₹ 28 per day1
34 critical illnesses covered with Critical Illnesses Benefit2
Tax benefits u/s 80C, 80D and 10(10D)4
₹ 1 Crore Cover @ ₹ 28 per day1
34 critical illnesses covered with Critical Illnesses Benefit2
Tax benefits u/s 80C, 80D and 10(10D)4
Life is full of surprises & uncertainties, be future ready with a term insurance plan which protects your family’s future even when you are no longer around.Read More
You have an option to boost your life cover with Accelerated critical illness cover2 and Accidental death benefit3 for all-round protection.Read Less
PLAN OPTIONS/VARIANTS
Life
Life & Health
Life Plus
All-in-one
1. Premium Guarantee: The premium for your life cover will remain the same for the entire premium payment term. The same premium guarantee stands strong in case you opt for the Critical Illness cover offered in this plan.
2. Terminal illness cover: In case of a terminal illness, the entire life cover amount will be paid out to the nominee immediately6
3. Waiver of premium on disability: In case of a permanent disability due to an accident, all future premiums are waived off for the plan and the cover continues for the rest of its term5
4. Critical Illness cover: To secure you from the financial risks associated with the medical expenses, the plan offers you critical illness cover that pays on the diagnosis of 34 Critical Illnesses2
ICICI Pru iProtect Smart is a comprehensive life cover plan designed to insure your family as per your individual needs. You can customize every aspect of your insurance plan while making the purchase:
Life Cover: Depending on the financial needs of your family in the future, you can choose to take cover starting from Rs 50 lakh.
Policy term: Your insurance plan should ideally cover you till your retirement which can be till the age of 65-70 years in the current times. The plan also has an option to cover you for your whole life i.e. till the age of 99 years. By taking a cover for whole life, your plan will help you leave behind a legacy for your family.
Payout option: The claim that your nominee receives, in case of an unfortunate event is called the payout for an insurance plan. ICICI Pru iProtect Smart gives you the flexibility to choose how your nominee receive this payout. There are major 4 options to choose from:
· Lumpsum: The nominee receives the claim in one go. This is the most preferred option by the customers.
· Income: With this option, 10% of the claim amount is payable every year for 10 years as equal monthly installments in advance at the rate of 0.83333% of Death Benefit amount. This means, for a Life Cover of ₹ 1 crore, the monthly income paid will be ₹ 83,333 for 10 years to your nominee. You can choose this option if you want a steady monthly income for your family, in your absence.
· Lump Sum plus Income: With this option, the claim amount will be paid in the combination of lumpsum and monthly income. For example, if your life cover is ₹ 1 crore, you can choose to give ₹ 50 lakh as lumpsum and remaining Rs 50 Lakh will be paid out in equal monthly installments of ₹ 41,667 per month.
· Increasing Income: In this option your nominee will receive the claim amount as monthly installments for 10 years and these monthly installments will increase by 10% simple interest every year. For example if your Life Cover is ₹ 1 crore, then your nominee will receive ₹ 10 lakh in the first year, ₹ 11 lakh in the second year, ₹ 12 lakh in the third year and so on. At the end of the 10th year, total life cover received will be ₹ 1.45 crore. Hence, this payout option gives 45% more life cover.
Premium payment term: You can also customize how long you want to pay your premiums. The traditional way is to pay premiums till your cover lasts. But you can save big by paying premiums for a limited term. With ICICI Pru iProtect Smart, following premium payment term options are available:
· Complete policy term
· 5 years less than your policy term
· Till you reach the age of 60
· For 10 years only
· For 7 years only
· For 5 years only
· Once
Premium payment frequency: You can also choose if you want to pay your premiums every month, every half year or every year.
Additional benefits: You can further enhance your insurance plan by opting for Critical Illness cover and Accidental Death benefit cover.
· It is convenient and secure to buy a policy online from our website
· It is also easy to manage your term insurance policy online
· You can customize your plan to fit to your needs
Your life cover should depend on your current annual income and any existing or future loans/liabilities you may have. We recommend you to take a life cover which is at least 10-15 times of your current annual income.
The premium of your plan depends on your age, chosen life cover and the tenure of your plan. Your term plan should cover you till your retirement which can be considered till the age of 65-70 years. If you have a shorter life cover which ends in your 40s or 50s, it can be difficult and costly to get a new life cover at that age.
In case you wish to get covered for a longer duration, ICICI Pru iProtect Smart term plan gives you an option to get covered till the age of 99 years as well with the Whole Life option.
We understand filing a claim may be a difficult time for your loved ones. We assure you we will be there with them throughout the process. Our priority is to make claim experience as fast, easy, and convenient as possible for your family. For this reason alone, we promise you:
· Guaranteed 1 day death claim settlement#
· Payment of interest on claim amount for every day of delay beyond 1 working day#
You can report your claims~:
· Online at iciciprulife.com
· Or email us at claimsupport@iciciprulife.com
· or SMS “ICLAIM <space> Policy No” to 56767
· or Call at our 24x7 ClaimCare number 1860 266 7766
· or Visit your nearest branch
Please refer to www.iciciprulife.com/insurance-claim.html for more details.
You can check status of your application on following link https://buy.iciciprulife.com/buy/apptrackerhomeNew.htm?execution=e1s1#/
1Premium for Life Option, Male Life Assured, Non-Smoker, 25 years of age, Policy term of 30 years, 1 Crore cover, Regular pay, Annual frequency, exclusive of taxes and levies as applicable. (Annual Premium of `10,186/365 ~ 28)
2Accelerated Critical Illness Benefit (ACI Benefit) is optional and available under Life & Health and All in One options. This benefit is payable, on first occurrence of any of the 34 illnesses covered. Medical documents confirming diagnosis of critical illness needs to be submitted. The benefit is payable only on the fulfillment 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 ACI Benefit, terms & conditions governing it, kindly refer to sales brochure. ACI Benefit term would be equal to policy term or 30 years or (75-Age at entry), whichever is lower.
3Accidental 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.
4Tax benefits are subject to conditions under Section 80C, 80D, 10(10D), 115BAC and other provisions of the Income Tax Act,1961. Good and Service 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. Tax benefits of ₹ 54,600(₹ 46,800 u/s 80C & ₹ 7,800 u/s 80D) is calculated at highest tax slab rate of 31.20%(including cess excluding surcharge) on life insurance premium u/s 80C of ₹ 1,50,000 and health premium u/s 80D of ₹ 25,000.
5On diagnosis of Permanent Disability (PD) due to an accident, the future premiums under your policy for all benefits are waived. To know more about definitions, terms & conditions applicable for permanent disability due to accident, kindly refer sales brochure of ICICI Pru iProtect Smart.
6A 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’ specializing in 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.Read More
IDFC FIRST Bank Limited having its registered office at KRM Tower, 8th Floor, No. 1, Harrington Road, Chetpet, Chennai – 600031, is authorized by the Insurance Regulatory and Development Authority of India to act as a Corporate Agent of ICICI Prudential Life Insurance Company Ltd for procuring or soliciting life insurance business under license number CA0106. The purchase of Insurance products by IDFC FIRST Bank’s customers is purely on voluntary and not linked to availing of any other services from the bank. Tel: 1800 419 4332
ICICI Prudential Life Insurance Company Limited. Registered Address: ICICI PruLife Towers, 1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai - 400025. The product brochure is indicative of the terms & conditions, warranties & exceptions contained in the insurance policy. For further details, please refer to the policy document. In the event of conflict, if any between the terms and conditions contained in this brochure and those contained in the policy documents, the terms & conditions contained in the policy document shall prevail. Trade Logo displayed above belongs to ICICI Bank Limited & Prudential IP Services Limited and used by ICICI Prudential Life Insurance Company Limited under license. ICICI Pru iProtect Smart: Form No.:T50, T51. UIN: 105N151V07. Advt. No.:L/II/1992/2022-23..
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IRDAI CAUTIONS PUBLIC AGAINST SPURIOUS CALLS AND FICTITIOUS OFFERSRead Less