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ICICI Prudential iProtect Smart Term Insurance Riders

12 reviews Rate This
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

ICICI Pru iProtect Smart Plan comes with the following riders:

1. Accidental Death Benefit (up to Rs. 2 crores)

This rider mitigates the financial effects of train or road accidents. You can buy an accidental cover of your choice during the purchase or even after purchasing the iProtect Smart plan. For instance, if you buy a life cover of Rs. 1 crore with an accident benefit of Rs. 50 Lakh, then your nominee will receive Rs. 1.5 crore in case of death due to an accident. Under this cover, one can avail the benefit for up to Rs. 2 crores.

2. Critical Illness Benefit (up to Rs. 1 crore)

With this optional benefit, you can avail claim amount in case you are diagnosed with any of the listed 34 critical illnesses. All you require to make a claim is a copy of the diagnosis report. This means that there is no need for hospital bills to initiate the claim.

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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 Reviews

4.8
Rating based on
12 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.

    Read More

    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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