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ICICI Term Insurance User Reviews

147 reviews Rate This
ICICI Term Insurance
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

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Choose required coverage to secure your family’s future

50L
1Cr
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Disclaimer :
1. Premium has been calculated for coverage till 60 years
2. Eligibility depends on income, occupation and educational qualification

Best ICICI Term Insurance Plans

1 Crore
1.5 Crore
2 Crore
2.5 Crore
  • LIFE COVER
    Tax Free
     ₹1 Cr
  • CLAIMS SETTLED ₹99.51%
Starting From ₹ 707/Month
24hr Claim Settlement
Key Features:
  • Zero Cost Benefit
  • Terminal Illness
  • Nominee's Choice payout
  • Voluntary Top Up
  • Tax Benefits
  • LIFE COVER
    Tax Free
     ₹1 Cr
  • CLAIMS SETTLED ₹97.84%
Starting From ₹ 812/Month
24hr Claim Settlement
Key Features:
  • Waiver of Premium on Disability
  • Terminal Illness
  • Life Stage Benefit
  • Tax Benefits
  • Special Exit Benefit
  • LIFE COVER
    Tax Free
     ₹1 Cr
  • CLAIMS SETTLED ₹99.4%
Starting From ₹ 771/Month
24hr Claim Settlement
Key Features:
  • Tax Benefits
  • Terminal illness
See More Plans
Rating of ICICI Prudential
4.6
Based on
147 User reviews

  • Top insurance companies listed

    I wanted to purchase a term insurance from an insurance company whom I can fully rely on. The InsuranceDekho website displayed insurance companies based on the incurred claim settlement ratio and I was able to find quality information about the companies. With the help of information provided on the website I purchased ICICI Pru IProtect Smart plan. 

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    S
    Suveer Kapoor
    On: Sep 23, 2021

  • Time-saving comparisons

    InsuranceDekho helped me compare several term plans at once. It is very easy to compare term insurance plans on the website, which has resulted in time saving comparisons. You can compare several term insurance plans offered by leading insurance providers in India, under the same roof. I purchased the ICICI Pru IProtect Smart plan after comparing many plans. 

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    m
    muskan Satija
    On: Sep 22, 2021

  • Easy premium calculation

    The online term insurance premium calculator tool instantly displayed me several term insurance plans that fit in my budget but also fulfilled my requirements. The calculator was very easy to use, time saving, quick and made comparisons much easier. I compared and purchased the ICICI Pru IProtect Smart plan. 

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    N
    Nikita Lakhani
    On: Sep 15, 2021

  • Best insurance companies listed

    When I landed on InsuranceDekho’s website, I browsed through the list of insurance companies that were displayed according to the incurred claim settlement ratio. The company and policy details amazed me. The list of companies displayed according to the claim settlement ratio, made choosing a company an easy task. I finally purchased the ICICI Pru IProtect Smart plan. ...

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    M
    Manan Bajaj
    On: Sep 14, 2021

  • Purchased a good term plan

    I bought ICICI Pru IProtect Smart plan which suited my requirements without bothering my pocket. It happened with the help of InsuranceDekho’s website, which let me compare several term insurance plans with the help of a premium calculator. My experience was hassle-free and I am extremely satisfied with my purchase. 

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    N
    NIshant Mathur
    On: Sep 08, 2021

  • Time saving comparisons

    I had great experience while purchasing ICICI Pru IProtect Smart term insurance policy from InsuranceDekho. I compared several term insurance plans before making a decision, comparing term insurance policies on InsuranceDekho is extremely easy and time saving. The premium calculator instantly displayed policies according to my budget and requirements. 

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    N
    Nirvair Singh
    On: Sep 07, 2021

  • Great information on the website

    From the life insurance news section of the InsuranceDekho website, I learned a lot about term insurance plans. I got to know about a risk protection plan which can provide financial protection to my family in my absence. I chose ICICI Pru IProtect Smart plan because it fit my requirements and budget. 

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    H
    Harpreet Singh
    On: Sep 02, 2021

  • Found the best insurance companies

    At the InsuranceDekho website I found some of the best insurance companies. The organisation has a wide range of term insurance plans offered by some of the leading insurance companies in India. I compared several plans and purchased ICICI Pru IProtect Smart term insurance plan. 

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    K
    Ketan Srini
    On: Sep 01, 2021

  • Happy with my term plan

    I was looking for a reliable, affordable term plan. Thanks to InsuranceDekho, I found ICICI Pru iProtect Smart. Must say that it fits my needs perfectly without any budget constraint. 

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    G
    Gaurang Tiwari
    On: Aug 26, 2021

  • Got a term plan within my budget

    At the InsuranceDekho website I was able to compare plans according to my budget and my requirements. The online premium calculator tool definitely helped me compare term plans according to my budget. I selected and purchased ICICI Pru IProtect Smart term insurance policy. 

    Read More
    A
    Anup Chheda
    On: Aug 25, 2021

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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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FAQ About ICICI Term Insurance

  • 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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