ICICI Prudential iProtect Return Of Premium
- Maturity Benefit
- Critical Illness Cover
- Accidental Disability Cover
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Updated on Apr 23, 2025 4 min read
ICICI Pru iProtect Return of Premium provides security to you and your loved ones against all such uncertainties of life that may pose a hurdle to your plan of a perfect future for yourself and your loved ones.
Every individual plans for a secure future for themselves and their loved ones, however, situations are not always what you aspire for them to be. ICICI Pru iProtect Return of Premium term plan is an excellent option that understands your needs with changing times.
Here are some key features of this plan:
Minimum Age - 18 years Maximum Age - 65 years
Minimum Age - 23 years Maximum Age - 85 years
Minimum term - 5 years Maximum term - 40 years
Base sum assured: 1 Lac to no limit.
The Policy Loan is not available under ICICI Prudential iProtect Return of Premium
Annual, Half yearly, quaterly & monthly
Let's understand how the ICICI Pru iProtect Return of Premium Plan works with a simple premium illustration.
Mr. Vaibhav Gupta is a 27-year-old Gurugram-based software engineer looking for a term plan that provides regular guaranteed income along with whole life coverage.
He visited PolicyX.com to learn more about term insurance with regular income. PolicyX.com advisors carefully understand his query and suggest to purchase the ICICI Pru iProtect Return of Premium Plan.
Let us see a brief illustration of Vaibhav's ICICI Pru iProtect Return Of Premium Plan
| Age of policyholder | Annual premiums | Premium payment mode | Policy tenure | Premium payment term | Total premiums paid | Sum assured |
| 27 years | Rs 30,655 | Annually | 20 years | 20 years | Rs 613100 | Rs 75 lakhs |
Key Takeaways: Mr. Vaibhav will be covered until the age of 47 years. In case of any unfortunate demise during the policy term, his nominee will receive sum assured equal to Rs. 75 lakhs.
Here are the benefits associated with the ICICI Prudential iProtect Return Of Premium
ICICI Prudential Term Insurance
You can add the following riders to your ICICI Pru iProtect Return Of Premium Plan:
With ICICI Pru Accidental Death Benefit Rider, you can cover yourself with a maximum sum assured of 2 crore against any unfortunate accident that causes death to the life insured.
With ICICI Pru Critical Illness Rider, you can protect yourself with a maximum sum assured of 1 crore against 34 critical illness diseases.
Here is the list of exclusions associated with the plan:
With ICICI Pru iProtect Return Of Premium Plan, You can get all-around protection such as the return of premium, Income benefit, and Return of Premium with Life stage benefit in the same plan. This plan offers lifetime coverage at an affordable cost. For more info related to this Plan, you can contact PolicyX.com. Our insurance advisors work 24/7 to solve every possible query of yours.
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Himanshu is a seasoned content writer specializing in keeping readers engaged with the insurance industry, term and life insurance developments, etc. With an experience of 2 years in insurance and HR tech, Himanshu simplifies the insurance information and it is completely visible in his content pieces. He believes in making the content understandable to any common man.
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