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ICICI Prudential iProtect Plan
ICICI Prudential iProtect Plan is a non-participating pure term plan which is available for purchase through the company’s website. Like a term plan, this plan also provides high protection at very low premium rates.
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10.5 Crore Registered Consumer
5.3 Crore Policies Sold
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₹1 Crore Life cover starting from ₹478/month+
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- ICICI Prudential iProtect Plan
Key Features
- It is a pure term insurance plan with regular pay premium paying options
- There are two types of benefit options: Option I and II where there is an inbuilt Accidental Rider in Option II
- Simple application process
Benefits
- The nominee gets the Sum Assured on death of the policyholder under Option I
- Under Option II, in case of accidental death, additional SA is paid which is equal to the basic SA but not exceeding 50 lakhs
- Income tax benefit on the premium paid as per Section 80C and on the claims received as per Section 10(10D) of the Income Tax Act.
Product Specification:
| Minimum | Maximum | |
| Entry Age (Last Birthday) | 20 years | 65 years |
| Maturity Age (Last Birthday) | - | 75 years |
| Policy Term (PT) in years | 10 | 30 |
| Premium Paying Term (PPT) in years | Equal to policy term | |
| Premium Paying Frequency | Annual | |
| Yearly Premium | 2000 | No limit |
Details About Premium
Annual premium in Rupees for a policy tern of 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 |
Policy Details
- Grace Period: 30 days grace period is allowed for payment of premium
- Policy Termination or Surrender Benefit: there is no option of surrendering the plan.
- Free look period: If you would not be pleased with the coverage, and terms and conditions of the policy, you have the option of canceling the policy within 15 days of receipt of the policy documents, provided there has been no claim.
Additional Features or Riders
- Premium discounts are given for non-smokers
Exclusions
- In case of suicide committed within 12 months of policy inception the premium paid is refunded. In case of suicide within 12 months after revival only 80% of premiums paid are returned to the nominee.
- For the rider, accidents due to infection, drug abuse, self-inflicted injury, war or civil commotion, criminal acts, aviation, etc. are excluded
Documents Required
Policyholder has to fill up an ‘Application form/ proposal form’ online and provide self-attested copies of KYC/AML Documents.
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˜Top 5 plans based on annualized premium for bookings made through https://www.policybazaar.com in the first 6 months of FY 24-25.
Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
+Rs. 487/month (Rs.16/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited
We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881
For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale
Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.
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+Rs. 820/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
+Rs. 1,443/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
˜ Policybazaar Promise reflects the guarantee offered by insurers. Price assurance is based on certifications shared by insurers with us.
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