ICICI Prudential Term Insurance Plans

4.2 / 5 based on 41 User Reviews
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ICICI Prudential Life Insurance Company was formed as a joint venture between ICICI Bank Ltd. and Prudential Private Limited Company. Prudential Private Limited Company is a leading international financial service group having its headquarters in the United Kingdom. ICICI Prudential Life is one of the first private sector life insurance companies who after receiving approval from the Insurance Regulatory Development Authority of India (IRDAI) have begun its operation in December 2000. Amongst the entire private life insurers in the country, ICICI has enjoyed a dominant position for more than twenty years by offering world-class products and quality consistent services. 

What are Term Insurance Plans?

These plans are designed with the single aim of protecting the income of an individual for his family by providing a lump sum benefit in the event of the individual’s death. The plan promises benefits payable only in case of death and if the plan matures, the policyholder gets nothing. These plans make sense to buy because the rate of premium is very less and as such customers can avail of a high cover on their lives without paying high premiums. 

ICICI Prudential Term Plans

Both the facility of buying online or through intermediaries is provided by ICICI Prudential Life Insurance Company because the range of ICICI term insurance plans offered are available online and also through intermediaries. Among a total of three ICICI term insurance plans offered, two are online term plans and one is a normal term plan. 

ICICI Pru iProtect Smart

An ICICI term insurance plan that offers multiple protection against a host of risk factors from demise, accidents, critical illness, inability to pay premium, etc. – all under a single term policy. 

  • Affordable and customisable ICICI term insurance plan offering enhanced protection for policyholder and his or her family
  • The plan provides improved protection by offering coverage against death, terminal illness and disability
  • There are comprehensive additional benefits available under this ICICI term insurance by way of optional riders like Accidental Death Benefit and Critical Illness Benefit that covers 34 life threatening illnesses
  • The Pru iProtect Smart ICICI term insurance policy can easily be bought online anytime of the day in just 10 minutes
  • The company offers special premium rates available specially for women and non-tobacco users under this ICICI term insurance plan
  • There is a provision of surrender value under the single premium option under this ICICI term insurance policy
  • The ICICI term insurance cover gives a choice to increase the life cover at important milestones in life like marriage and child birth or adoption
  • This ICICI term insurance plan offers tax benefits on premiums paid under the Indian Income Tax Act
  • The ICICI term insurance cover offers need based benefit payout option available in the form of lump sum or monthly income for 10 years
  • Offers flexibility to pay premiums once, for a limited period or throughout the ICICI term insurance policy term 

Eligibility Details

 

Minimum

Maximum

Entry Age

18 years

65 years

Maturity Age

23 years

75 years

Policy Term

Regular Pay – Life: 5 – 40 years / Life Plus: 5 – 40 years / Life & Health: 5 – 30 years / All in One: 5 – 30 years

Limited Pay – Life: 10 – 40 years / Life Plus: 10 – 40 years / Life & Health: 10 – 30 years / All in One: 10 – 30 years

Single Pay – Life: 5 – 20 years / Life Plus: 5 – 20 years

Minimum Premium

Rs.2400 (excluding service tax and cesses)

Premium Payment Mode

Regular Pay, Limited Pay, Single Pay

Premium Payment Frequency

Single, Yearly, Half-yearly and Monthly

 

 ICICI Pru iProtect:

A term plan with the features defined below:

  • This ICICI term insurance plan is designed as an online plan where it is available through the company’s website.
  • An applicant has an option to customize this ICICI term insurance plan according to his needs.
  • Under this ICICI term insurance, in case of the insured’s demise, the Sum Assured is paid which is chosen by the applicant.
  • This ICICI term insurance plan gives flexibility to choose the protection cover according to the needs of the insured through two options of death benefit available under the plan which are:
  • Option A: Under this ICICI term insurance, upon death, the Sum Assured is paid which is chosen by the applicant.
  • Option B: Under this ICICI term insurance, if the insured chooses the regular premium payment option, an additional benefit will be given on accidental death which will be the rider Sum Assured which is usually equal to the basic Sum Assured chosen under the plan or Rs.50 lakhs whichever is lower.
  • This ICICI term insurance plan is eligible for tax benefits where the premiums paid and claims received attract tax exemption.
  • Under this ICICI term insurance, non- tobacco users will get special premium rates. Non-smokers are given preferential rates of premiums which are lower than those charged from smokers.

 

Eligibility Details

 

Minimum

Maximum

Entry Age

20 years

65 years

Maturity Age

-

75 years

Policy Term

10/15/20/25/30 years

Minimum Premium

Rs.2000 (excluding service tax)

Premium Payment Term

Regular Pay

Premium Payment Frequency

Yearly

 

Sample Rates of Premium

The table illustrates the premium payable by individuals under this ICICI term insurance plan at different ages assuming they do not consume tobacco. The premium shown also varies with the amount of cover chosen and the death benefit option chosen. The policy term in the illustration is 25 years. 

Age (yrs.) / Sum Assured

Option I

Option II

25 lakhs

50 lakhs

1 crore

25 lakhs

50 lakhs

1 crore

30

3850

5600

9900

4875

8150

12,400

40

8175

11,000

19,500

9200

13,200

21,700

50

15,900

26,150

46,600

17,025

28,300

48,800

 

 ICICI Pru iCare II:

Another pure term plan. The features are:

  • This ICICI term insurance plan is also available for online mode of purchase
  • This ICICI term insurance plan gives flexibility to choose the protection cover according to the needs of the insurer through two options to avail the benefit paid on death which are:
  • Option A: Under this ICICI term insurance, if the insured dies, the Sum Assured is paid which is chosen by the applicant.
  • Option B: In case the insured chooses the regular premium payment option under this ICICI term insurance, an additional benefit will be given on accidental death which will be the rider Sum Assured which is usually equal to the basic Sum Assured chosen under the plan or Rs.50 lakhs whichever is lower.
  • This ICICI term insurance plan also qualifies for tax exemptions on claims and premiums.
  • Premiums under this ICICI term insurance can either be paid regularly or in one lump sum under the Single Premium payment option. 

Eligibility Details

 

Minimum

Maximum

Entry Age

18 years

60 years

Maturity Age

-

65 years

Policy Term (Regular Pay)

5/10/15/20/25/30 years

Policy Term (One Pay)

5/10 years

Sum Assured

As per minimum premium

Unlimited

Minimum Premium

Rs.2400 (excluding service tax)

Premium Payment Term

Regular Pay, One Pay

Premium Payment Frequency (Regular Pay)

Yearly , Half Yearly and Monthly

Premium Payment Frequency (One Pay)

Single Premium

 

Sample Rates of Premium

The table illustrates the premium payable by individuals under this ICICI term insurance plan at different ages assuming they do not consume tobacco. The premium shown also varies with the amount of cover chosen and the death benefit option chosen. The policy term in the illustration is 25 years 

Age (yrs.) / Sum Assured

Option I

Option II

25 lakhs

50 lakhs

75 lakhs

25 lakhs

50 lakhs

75 lakhs

30

5475

7600

10,500

6725

10,100

13,000

40

10,625

15,850

22,350

11,875

18,350

24,850

 

ICICI Pru Life Raksha:

A short tenure Term Plan which provides a lump sum benefit to the family in the event of the insured’s demise within the plan period. The other aspects of the plan are:

  • Under this ICICI term insurance, within the fixed term of 5 years, if the insured dies, a benefit which will be the highest of the following will be paid:
    • A – Sum Assured which was chosen at the inception of the ICICI term insurance plan by the policyholder.
    • B – 10 times the annual premiums payable under the ICICI term insurance plan. The annual premium excludes any loading included by the company due to the mode of premium payment or any service tax charged on the premium.
    • C – 105% of the total amount of premiums paid under the ICICI term insurance till the death of the insured.
  • Being a pure Term Insurance Plan, no benefit will be payable to the life insured on maturity if he or she survives the entire duration of the ICICI term insurance policy.
  • This ICICI term insurance policy is for a fixed tenure of 5 years only.
  • Similar tax benefits on this ICICI term insurance plans’ premiums and claims.

 

Eligibility Details

 

Minimum

Maximum

Entry Age

18 years

60 years

Maturity Age

-

65 years

Policy Term (Regular Pay)

5 years

Sum Assured

Rs.50, 000

Rs.5 lakhs

Premium Payable

Depends on the minimum and maximum Sum Assured and age of the life assured

Premium Payment Term

Equal to Policy Term

Premium Payment Frequency

Yearly , Half Yearly and Monthly

 

When should Increasing Term Plan be taken?

An increasing term plan should be taken at an early stage in life. There are a number of advantages of this. You also need to evaluate your other insurance plans and investments made and then decide if it is a good time to buy an increasing term plan. An increasing term plan is more expensive than a pure term plan and so you need to keep the expenses in mind as well. 

I am 22 years old and single. Should I buy an increasing term plan now?

A young person would benefit a lot from buying an increasing term plan, keeping an eye on his future financial liabilities. If you are 22 years old, you must have only recently started your career and from here on you will only grow and see changes in your lifestyle. You will also get married and have children in a few years. So if you are thinking about your future, it is a good time to invest in an increasing term plan. And since you are young, you will get the plan at a lower cost as well. 

Is it a good idea to buy increasing term insurance when I am vulnerable to illnesses?

If you are healthy now, but feel that in the years to come you may develop a serious medical condition, you must most definitely buy increasing term life insurance. A unique feature of increasing life insurance is that the premium doesn’t change even if the policyholder gets sick later on. This means that the health status of the policyholder at the time of the policy commencement is taken into consideration only. So if you have a family history of a certain illness (like cancer) or work in a place where you are vulnerable to develop a disorder (lung problems due to working in a coal mine), it is a good idea to buy this kind of a plan before the tragedy strikes. In any other plan, when you opt for a higher cover, your health will be checked up and you may have to pay more later on. 

I recently invested in a child plan and a ULIP. Is this a good time for an increasing term plan?

If you already made investments for the future of your child and also invested in a ULIP from where you expect to get an increased return, you may not need to buy an additional increasing term plan. There should be a balance in your insurance portfolio and you must always see to it that you don’t buy either too less or too much insurance. Speak to your insurance agent or financial advisor and check whether the coverage you have is sufficient or not. Only then decide to buy an increasing term life insurance.

 Applying for a Term Insurance Plan from the company: 

Online

The company offers specific ICICI term insurance plans which are available online only. The customer only needs to log into the company’s website, choose the required ICICI term insurance plan, choose the coverage and provide the details. The premium will be determined using the filled details. The customer then needs to pay the premium online through credit card, debit card or net banking facilities and the ICICI term insurance policy will be issued. 

Intermediaries

ICICI term insurance plans which are not available online can be purchased from agents, brokers, banks, etc. where the intermediaries help with the application process. 

ICICI Prudential Life Term Insurance Plans - Important Terms & Conditions 

Free Look Period

If one is not satisfied with the ICICI term insurance policy, the policy can be cancelled by returning the policy document(s) to the company within:

  • 15 days from the date of receipt, if the policy has not been purchased through distance marketing
  • 30 days from the date of receipt, if the policy has been purchased through distance marketing 

Note: Distance marketing includes every activity of solicitation (including lead generation) and sale of insurance products through the following modes:

  1. Voice mode, which includes telephone-calling
  2. Short Messaging Service (SMS)
  3. Electronic mode which includes e-mail, internet and interactive television (DTH)
  4. Physical mode which includes direct postal mail, newspaper and magazine inserts
  5. Solicitation through any means of communication other than in person

 Upon cancellation of the ICICI term insurance policy during the free look period, the premium paid is returned, subject to a deduction of:

  1. Stamp duty paid under the policy
  2. Expenses borne by the Company on medical examination (if any)
  3. Proportionate risk premium for the period of cover 

The ICICI term insurance policy is terminated on payment of this amount and all rights, benefits and interests under the policy will stand extinguished. 

Accidental Death Benefit

Accidental death benefit is payable on accident, subject to the below mentioned conditions:

  1. Death due to accident should not have been caused by the following:
    1. Attempted suicide or self-inflicted injuries, while sane or insane, or whilst the Life Assured is under the influence of any narcotic substance/drug/intoxicating liquor; or
    2. Engaging in aerial flights (including parachuting and skydiving) other than as a fare paying passenger or crew on a licensed passenger-carrying commercial aircraft (being a multi-engined aircraft) operating on a regular scheduled route; or
    3. The Life Assured with criminal intent, committing any breach of law; or
    4. Due to war, whether declared or not, or civil commotion; or
    5. Engaging in hazardous sports or pastimes, e.g. taking part in (or practicing for) boxing, caving, climbing, horse racing, jet skiing, martial arts, mountaineering, off piste skiing, pot holing, power boat racing, underwater diving, yacht racing or any race, trial or timed motor sport
  1. Death due to accident must be caused by violent, external and visible means
  2. The accident should result in bodily injury or injuries to the Life Assured, independently of any other means. Such injury or injuries should, within 180 days of occurrence of the accident, directly and independently of by any other means cause the death of the Life Assured. In the event of the death of the Life Assured after 180 days of the occurrence of the accident, the Company will not be liable to pay the accidental death benefit.
  3. The ICICI term insurance policy must be in-force at the date and time of the accident
  4. The Company will not be liable to pay this benefit in case death of the Life Assured occurs after the date of termination of the ICICI term insurance policy 

Tax Benefits

Tax benefits under the ICICI term insurance policy are subject to conditions under section 80C and 80D of the Income Tax Act, 1961. Service tax and education cess, as applicable, will be charged extra, as per the applicable rates. The tax laws are subject to amendments from time to time. 

Suicide Clause

If the Life Assured, whether sane or insane, commits suicide within 1 year from the date of commencement of the ICICI term insurance policy, the policy will be deemed void and will stand terminated. The Company will refund the premium and all rights, benefits and interests under this ICICI term insurance policy will stand extinguished. 

In the case of a reinstated Regular Pay or Limited Pay policy, if the Life Assured, whether sane or insane, commits suicide within 1 year from the date of reinstatement of the ICICI term insurance policy, the Company will refund 80% of the premiums paid post revival till the date of death. 

Grace Period

A grace period for payment of premium of 15 days applies for monthly premium payment mode and 30 days for other modes of premium payment. If the premium is not paid within the grace period, the ICICI term insurance policy shall lapse and the cover will cease. 

Premium Discontinuance

If the premium is not paid either on the premium due date or within the grace period, all benefits under this ICICI term insurance policy will cease. No benefit shall become payable in case of death of the Life Assured while the ICICI term insurance policy is in lapsed condition. 

Policy Revival

An ICICI term insurance policy, which has lapsed for non-payment of premium within the grace period, may be revived subject to the following conditions:

  • The application for revival is made within 2 years from the due date of the first unpaid premium and before the termination date of ICICI term insurance policy. Revival will be based on the prevailing Board approved underwriting policy.
  • The policyholder/applicant being the Life Assured furnishes, at his own expense, satisfactory evidence of health as required by the Company/prevailing Board approved underwriting policy.
  • The arrears of premiums together with interest, at such rate as the Company may charge for late payment of premiums, are paid.
  • The revival of the ICICI term insurance policy may be on terms different from those applicable to the policy before it lapsed for example, extra mortality premiums or charges may be applicable. The Company reserves the right to refuse to re-instate the ICICI term insurance policy. In that case, only the premiums paid towards the re-instatement of the policy shall be refunded without any interest.
  • The revival will take effect only on its being specifically communicated by the Company to the Policyholder. 

ICICI Prudential Life Insurance - FAQs 

1. How to pay premium? What are the modes of payment available?

For receiving continuity of your ICICI term insurance policy benefits, it is critical to pay premiums on time. You can pay your ICICI Life Insurance premium through these 11 methods:

  • Net Banking
  • Credit card
  • Bill desk
  • Bank Website Debit Card + ATM PIN
  • Debit Card
  • Bill junction
  • Infinity
  • E-collect
  • Rupay Debit Card
  • Skypack drop box
  • MINC Drop Box 

For paying premium online for ICICI term insurance, you can login to e-portal

Step 1: Enter your ICICI term insurance policy details – policy number and policyholder’s date of birth

Step 2: Select your online bank account, debit/ credit card or use the NEFT facility to pay the premium

Step 3: Authenticate and confirm your payment details for ICICI term insurance and receive online confirmation 

2. How can I check policy status for ICICI Prudential term insurance plans?

You can check the policy status of ICICI term insurance via online, or opt for SMS and e-mail reminder facility. 

You can check ICICI Prudential Life Insurance Policy Status Online as follows.

  • Open ICICI Prudential Life Insurance website in your browser
  • Now you will be directed to a new window. On the top right side of this new page you can see the customer login section
  • Enter user ID and password to navigate to checking the ICICI term insurance policy status 

Only registered users can access the portal, so you need to sign up for the service, if you haven’t yet. 

3. What is the policy renewal process for ICICI Prudential term insurance plans?

Online Policy Renewal facility is available to all ICICI Life Insurance customers. The process is as follows;

Step 1: Login into the website with your Client ID and password.

Step 2: Select the ICICI term insurance policy due for renewal payment. Click Pay Renewal Premium Now

Step 3: Choose payment option- NEFT, Credit Card/Debit Card

Step 4: Authenticate and confirm your payment details for the ICICI term insurance and print out the payment receipt 

4. What is the company’s process to settle claim for ICICI Prudential term insurance plans?

Step 1: Complete the ICICI term insurance claim form through -

Phone-Call a claim care

Online claim

From branch office

Step 2: Form Evaluation

The Claim Care department examines the claim and if any essential documents are missing, the team immediately notifies the ICICI term insurance policyholder of the same. The team keeps the claimant up-to-date on the process via Emails and Letters. 

Step 3: Claims Processing

On receipt of all the essential documents of ICICI term insurance, the Claims department processes the application within 12 calendar days, if no investigation is needed for checking the claim made. 

For quick access to claim funds, ICICI Life Insurance transfer funds directly into the beneficiary’s bank account. 

In case of cashless hospitalisation, you need to produce the relevant medical bills and reports, issued by the attending physician. 

Upon completion of these documents, submit them to your nearest ICICI branch. 

5. What is the policy cancellation process for ICICI Prudential term insurance plans?

You need to keep your ICICI term insurance policy for a minimum of 3 years before you can cancel it. You need to fill a surrender form at any of the ICICI Prudential Life branches, and submit your ICICI term insurance policy documents. The cancellation process will take 30 days to complete and the surrender value funds will be directly transferred to your bank account. 

If you signed up for a single premium ICICI term insurance policy, you can cancel it after the first policy year. 

ICICI Prudential Term Insurance Plans Reviews

TOTAL REVIEWS (41)
Rijool
Garu
September 22, 2016

Good

My term insurance policy is good one which i bought from icici prudential life insurance. The premium is low and paybacks are high. Coverage is about 85% and the claiming is very simple by the help of executives which working 24X7.

Jagdish
Jammu
July 20, 2016

Coverage Is High

ICICI term insurance plan of mine is very beneficial for me and my family. The service of your staff is so quick and claiming become due due to that. The updates of the policy plan is mailed to me regularly on my email address.

Sumeet
Haridwar
July 20, 2016

Term plan

The icici term insurance is on of the best policy among all. Premium of the plan is low and returns are high. Service is fast and behaviour of the staff is very well. Good investment which reduces taxes too. Payments and premiums are done on online portal website of the company.

Vikram
Gurgaon
February 14, 2016

superb plan...

My life insurance term plan is with prudential. The premium amount is Rs.4700 and return is Rs.25 lakh. Policy coverage is also nice. Service is really good provided by executives and agents. Nice policy.
Plan Name: iProtect Smart
Agent Code: BPW00250

Sudhakar
Ghaziabad
February 14, 2016

above average

I have purchase my life insurance from prudential. The services are average. I do not get any kind of alerts for the payments or the policy thought mail or text. The payment options are convenient as I can pay the payment thourgh my ATM cards. The payment is on a yearly basis.
Plan Name: iProtect Smart
Agent Code: BPW01888

Chander
Delhi
February 14, 2016

"Bad service"

I do have a life insurance with icici. The policy has good claiming amount and policy coverage is also high but the service is very slow. The work takes days or weeks to complete. Please speed up your services.
Plan Name: iProtect Smart
Agent Code: BPW00250

ANAND
Jaipur
February 14, 2016

Life insurance plan

I buy life insurance policy with icici, basically i took this plan for the savings purposes. Premium payment is made by cheque and the executive agent is coming to my place to collect this amount. As this policy is endowment policy, I need to pay on yearly basis for 7 years. And the policy holder will get good returns after 13 years.
Plan Name: iProtect Smart
Agent Code: BPW00130

Vijay
Hyderabad
February 14, 2016

Nice term plan.

I found this policy plan on internet and see the benefits of it. So i purchase one for my father. Good claims, policy coverage is high. No worry to wait in queue because service is provided to the door steps. Thanks.
Plan Name: iProtect Smart
Agent Code: BBE05865

Gagan
Chandigarh
February 14, 2016

"perfect policy"

Recently i'm searching for life insurance policy but couldn't find one. An agent from policy bazaar contact me and shown me the policy. I buy it, really good one with Rs.28 lakh amount of claim and 90% of policy coverage. The best service you provided. Thank you...
Plan Name: iProtect Smart
Agent Code: BPW01901

VIMAL
Kadi
February 14, 2016

"Good"

My wife purchase your policy and she did the right thing. First i was little confused but after viewing your terms and conditions i agree with her. The coverage, claims, services, all are great and properly working and the main part is that the premium is in our budget.
Plan Name: iProtect Smart
Agent Code: BPW01888

Tapas
Bengaluru
February 14, 2016

Nice term plan

I have life insurance term plan. I really appreciate your work and services you provide. Claims are high and investment is low. Policy coverage is high around 90%. Best policy than others. Happy with it.
Plan Name: iProtect Smart
Agent Code: BPW01293

Didar
Surendranagar
February 14, 2016

Perfect Policy Plan.

ICICI life insurance is the best with great benefits. I have one with low premiums.Policy coverage and claim is very high and really easy to get without taking any tension or long line waiting. I secure life with this policy.
Plan Name: iProtect Smart
Agent Code: BPW00250

Anurag
Ghaziabad
February 14, 2016

okay plan

i have policy plan through prudential life insurance. Coverage is 80% and claim is Rs.27 lakh. Investment is less returns is high. Service provides is high but one thing should be added that is online updates and mailing.
Plan Name: iProtect Smart
Agent Code: BPW01888

Rahul
Gurgaon
February 14, 2016

Good Plan.

My friend advice me to buy life insurance from icici prudential. So first i search about it then i really know that the plan is good. Policy coverage is 80-90%, Claims are high, services are nice with low premiums. I'm happy
Plan Name: iProtect Smart
Agent Code: BPW01888

S
Lucknow
February 14, 2016

Good Policy

I found best policy for life insurance on internet through icici prudential. The policy contain good coverage ~80%. Claim is approx. Rs.25 lakh. Service providers are good in there work. Overall nice policy.
Plan Name: iProtect Smart
Agent Code: BBE05845

Vijay
Margao
February 14, 2016

Awesome...

I purchase life insurance through prudential and i'm happy to buy it. The plan is good and the returns is amazing. Coverage is high with low premiums. Claiming process is simple because of good services.
Plan Name: iProtect Smart
Agent Code: BBE05752

Vijay
Mumbai
February 14, 2016

"Average"

I bought life insurance plan from icici. The claim is as low as premiums. Policy coverage is okay but the services provided by you is slow, please improve it. Otherwise, the number of customers will decrease including me.
Plan Name: iProtect Smart
Agent Code: BPW01293

Satyen
Pune
February 14, 2016

Good Insurance Policy.

My life insurance plan consist many advantages and benefits too. Like claims are very easy to get and the coverage is high about 91%. The return amount is 24 lakhs. The best part is service which is fast and done in all the working hours.
Plan Name: iProtect Smart
Agent Code: BPW01888

Ajay
Thane
February 14, 2016

Bad claiming experience.

Prudential life provides all the facilities but the claims are not satisfactory. Very long time take to sanction the money and the procedure is very long and slow. Minimum 4 weeks for the claiming.
Plan Name: iProtect Smart
Agent Code: BBE05845

Dinesh
Mumbai
February 14, 2016

service is bit slow

I have term insurance plan, All the things is great just service is bit slow. Claim is Rs.27 lakh with low premiums. Policy coverage is 89%. Even the daily update about policy plan is mailed. Please improve your customer services.
Plan Name: iProtect Smart
Agent Code: BBE05865

YAMINI
Delhi
February 14, 2016

Bad service

My policy is with icici prudential. All is good but the service provided is really very slow. Claim is nice around 18 lakh, policy coverage is also huge but my experience with services is not good at all. Please do something.
Plan Name: iProtect Smart
Agent Code: BPW01260

Roshan
Nagpur
February 14, 2016

Nice term plan

I have a insurance plan with prudential life. Policy is great with nice benefits. Claim is of ~Rs.29 lakh and the policy coverage is 85%. Hospitality is the usp of the plan. Nice work guys.
Plan Name: iProtect Smart
Agent Code: BBE05865

Jayant
Bengaluru
February 14, 2016

Average plan.

My life insurance plan is average one with icici prudential. Policy coverage is 70% and the claim is twenty five lakh rupees. The service is really fast and daily updates are mailed.
Plan Name: iProtect Smart
Agent Code: BBE05865

Janhavi
Thane
February 14, 2016

Average plan.

I have life insurance which has good coverage. The policy have high claims approx. Rs.28 lakh and the policy coverage is 80%. The service provided is fast enough to complete the work on time. Updates are also mail and texted. Nice work.
Plan Name: iProtect Smart
Agent Code: BPW01260

Harish
Delhi
February 06, 2016

"Best"

I have life insurance like every one else but i took the best plan from icici. The premium is low and the coverage is high. Claims are 89% and payback amount is around ~Rs.27 lakh. The service is good, daily updates is mail and texted to my id and number. Superb policy.
Plan Name: iProtect Smart
Agent Code: BBE06765