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ICICI Prudential iProtect Smart Term Insurance Riders

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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.

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

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