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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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Dedicated claim support for family FREE
Policybazaar team will help and support you at the time of claim. A personal claim handler from our team of experts will get in touch with you when your nominee applies for a claim on our website.
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We will make sure you get what is promised by the advisors. We conduct regular monitoring of our calls to make sure you get the best experience.
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Exclusive lifetime discount upto 5% for buying online
The discounts will be valid for the entire policy payment term and is not available if you choose to buy the insurance through offline agents.
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Our advisors are available in more than 55 cities across India and can help you at your doorstep in understanding the plans and in documentation.
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Refund at the click of a button
In case you aren’t happy with your purchase, you can cancel your policy hassle-free at the click of a button. We will help you with the cancellation and refund of your policy.

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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