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Compare icici pru iprotect smart life insurance vs bajaj allianz life smart protect goal plan

iProtect Smart Lumpsum

₹1,143/month

Max Coverage Upto

99 yrs

Claim Settlement Ratio

97.8%

Average Claim Trend

97.83%

eTouch

₹927/month

Max Coverage Upto

85 yrs

Claim Settlement Ratio

99.04%

Average Claim Trend

98.85%

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Life is Unpredictable! Protect your family’s future

Get ₹1 Crore Life cover starting from ₹384/month⁺

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Compare icici pru iprotect smart life insurance vs bajaj allianz life smart protect goal plan

iProtect Smart Lumpsum ₹ 1143monthly

eTouch ₹ 927monthly

Max Coverage Upto

99 Years
85 Years

Claim Settlement Ratio Death claims settled in a financial year

97.8 %
99.04 %

Average Claim Trend Last 3 Years Average Claim Ratio

97.83%
98.85%

Death Claim Paid Claim amount paid in FY21-22 on Death claims

2,977.5 Cr
772 Crores

Online Discount Discount available when policy is purchased online

5 % Off
NA

Premium Payment Option

Regular Pay
Pay For : entire policy term

5/7/10/Policy Term - 5 years
Pay till 60 years of age
Regular Pay
Pay For : entire policy term

5/6/10/12/15/20 years
Pay till 60 years of age

Return of Premium PlanPay & get entire amount on maturity

View Plans
View Plans

Free Look PeriodPeriod of time in which a new life insurance policy owner can terminate the policy (deductions applicable basis T&C)

30 days
30 days

Tax BenefitReceive tax benefits u/s 80C and 10(10D), as per the applicable Income Tax laws

Plan Features

Claim Settlement Promise

24hr claim settlement
High Solvency Ratio

Terminal IllnessDeath benefit of the life assured shall be paid upon diagnosis of a Terminal Illness.

Free(As an add-on)
Free(As an add-on)

Death Due To AccidentIf death happens due to an accident, this rider offers you additional sum assured over and above the base sum assured

Disability Due To AccidentIn case of permanent disability, dismemberment (loss of the use of certain body parts) due to accident, this rider pays you regularly for next 5-10 yrs in a certain percentage of Sum Assured

Critical IllnessCover 9 or fewer illness

Cash For HospitalizationIn case of hospitalization, fixed per day benefit will be paid to you for each day of Hospitalization. This is a fixed amount not linked to the actual expenses incurred.

Insurer Details

Inception

2000
2001

Solvency RatioThe solvency ratio of the insurance company is the size of its capital against the all risk it has taken. It is an indicator of the insurance company's long-term survival