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ICICI Term Insurance User Reviews

151 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

Term Life Insurance Premium Calculator

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Choose required coverage to secure your family’s future

50L
1Cr
1.5Cr
2Cr
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 ₹ 682/Month
Claim Settlement
Key Features:
  • Right Green Tick Zero Cost Benefit
  • Right Green Tick Terminal Illness
  • Right Green Tick Nominee's Choice payout
  • Right Green Tick Voluntary Top Up
  • LIFE COVER
    Tax Free
     ₹1 Cr
  • CLAIMS SETTLED ₹95.28%
Starting From ₹ 812/Month
Claim Settlement 24hr Claim Settlement
Key Features:
  • Right Green Tick Waiver of Premium on Disability
  • Right Green Tick Terminal Illness
  • Right Green Tick Life Stage Benefit
  • Right Green Tick Special Exit Benefit
  • LIFE COVER
    Tax Free
     ₹1 Cr
  • CLAIMS SETTLED ₹99.39%
Starting From ₹ 771/Month
Claim Settlement 24hr Claim Settlement
Key Features:
  • Right Green Tick Terminal illness
  • Right Green Tick Special Exit - Option to get your premiums back
  • Right Green Tick Renewability Option
See More Plans
Rating of ICICI Prudential
4.6
Based on
151 User reviews

  • Pioneer in providing digital policy services

    From gathering policy-related information to claim settlement and purchasing riders, InsuranceDekho offers it all. In my opinion, the website is the pioneer in providing digital policy services. Glad to be a policyholder of ICICI Prudential Guaranteed wealth Protector plan here. 

    A
    Animesh Jha
    On: Jun 30, 2021

  • Policy issuance within minutes

    Issuance of ICICI Prudential iProtect Smart Money Back life insurance plan was completed within minutes on InsuranceDekho. I started with the generation of free quotes providing some basic information. I compared until I found the best deal and paid. 

    S
    Sunirmal Bagani
    On: Jun 28, 2021

  • Best family protection plans

    I am grateful to InsuranceDekho as it made choosing the best family protection plan effortless. All the factors that make an insurance company competent are mentioned along with an updated list of the topmost insurance companies. I chose ICICI Prudential iProtect Smart term insurance plan. 

    S
    Subrata Naskar
    On: Jun 25, 2021

  • Offers remarkable benefits

    I read about the remarkable benefits of a term insurance policy on InsuranceDekho and was eager to invest in one. I was looking for a plan that had whole life and critical illness cover to offer. I found ICICI Prudential’s ICICI Pru POS iProtect Smart term insurance plan. 

    S
    Saranya Sen
    On: Jun 23, 2021

  • Got introduced to the best insurance companies

    Thanks to InsuranceDekho for introducing me to the best insurance companies. Within seconds of landing on the website, I got a list of insurance companies that have high claim settlement ratios. I compared them and bought  ICICI Prudential’s iProtect Smart term insurance plan. 

    V
    Vandana Khare
    On: Jun 21, 2021

  • Powerful premium calculator

    The premium calculator of InsuranceDekho helped me to make a better decision in choosing the right insurance coverage. Using the tool, I could easily compare and analyse the possibilities. After a thorough comparison, I bought ICICI iProtect Smart term insurance plan. 

    C
    Chandrima Modak
    On: Jun 17, 2021

  • Lucrative riders

    The wide variety of riders available on InsuranceDekho is lucrative, they help to enhance term cover at an extra cost. Based on my requirements I bought Critical Illness Rider, Accidental Total, or Permanent Disability Rider under ICICI’s iProtect Smart term insurance plan.   

    A
    Akshay Maitra
    On: Jun 15, 2021

  • Best buying guide

    In my opinion, InsuranceDekho is the best buying guide that shows customers the right direction as per their requirements. Based on this guidance, finding the best suitable plan becomes seamless. I bought ICICI iProtect Smart term insurance policy form here.

    T
    Tarun Chakrabarty
    On: Jun 11, 2021

  • Expert advice available

    I contacted the helpdesk of InsuranceDekho while I was in search of a cost-effective term insurance plan. I talked to an expert regarding my policy requirements. He advised me to check the ICICI’s iProtect Smart term insurance plan. I liked the offer and agreed to buy. 

    B
    Bibek Bagchi
    On: Jun 09, 2021

  • Feasibility in policy comparison

    I appreciate InsuranceDekho for providing me with enough feasibility during policy comparison. I found an authentic claim settlement ratio list and the premium calculator made the premium comparison faster and accurate. I finally bought ICICI iProtect Smart term insurance plan. 

    S
    Siddharth Bairagi
    On: Jun 07, 2021

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ICICI Term Insurance Contact Details

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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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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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