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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. ICICI Pru iProtect Return of Premium safeguards your future planning while simultaneously also ensuring that you get a survival/maturity benefit.
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.
ICICI Pru iProtect Return Of Premium Plan offers multiple benefits and key features such as multiple plan options, benefit options, critical illness benefit, accident benefit and more.
18 years
As per Board Approved Underwriting Policy
85 years
Single premium, Regular premium, Limited premium
One time/ 5/7/10/12/15/20 Pay
ICICI Pru iProtect Return Of Premium is a term plan that is well known for being loaded with many features protecting the insured against unforeseen circumstances and providing them with maturity benefits. Read more to understand the features and benefits.
ICICI Pru iProtect Return Of Premium Term Plan has multiple plan options and benefits that an individual can choose from and customize their plan accordingly.
Benefit equal to your ADB Sum Assured
coverage against 64 critical illnesses
combination of both lump sum and income
In case of death due to an accident, Accidental Death Benefit equal to your ADB Sum Assured will be payable in lump-sum to the nominee/ legal heir. This benefit is over and above the life cover benefit.
Critical Illness Benefit is an additional optional benefit which can be chosen only at inception. The Critical Illness Benefit offers coverage against 64 critical illnesses, of which 60 are major critical illnesses and 4 are minor critical illnesses. 100% of the CI Sum Assured is payable on first occurrence of any of the covered major critical illnesses.
The Death Benefit payout option has to be selected by the insured at Policy inception and can't be changed during the policy term. Death benefit option can be paid to your beneficiary as as a lump sum amount, income option or a combination of both lump sum and income.
There are a total of 4 plan options available under the ICICI Pru iProtect Return Of Premium Term Plan. All these options offer different types of features. Given below is a brief overview of all these plan options.
Plan Options/Benefit Options | Life | Life Plus | Life & Health | All-in-one |
Return of Premium | 30,565 | 33,815 | 36,760 | 40,010 |
Income Benefit | 50,235 | 53,485 | 56,430 | 49,680 |
Return of Premium with Life-stage cover | 36,399 | 39,649 | 42,594 | 45,844 |
Early return of premium with Life-stage cover (at 60) | 40,886 | 44,136 | 47,081 | 50,331 |
**Calculated for a 35 year old male (standard life, non-smoker), Sum Assured ` 50 Lakh along with Accidental Death Benefit cover `25 Lakh and Critical Illness Benefit cover `10 Lakh, Policy term 30 years, Premium payment term 10 years and Death benefit payout option ‘Lump sum’.
You can find other term policies offered by the ICICI Term Insurance company in the section below:
ICICI Pru iCare II is a term plan that lets you secure your family’s future, and allows you to choose the number of years for which you wish to pay the premiums.
Unique Features
The plan offers coverage for 64 critical illnesses, 360-degree protection, and enhanced safeguarding against accidental death.
Unique Features
This plan offers an optional accidental death benefit of up to 2 crores, extended coverage until age 99, and includes coverage for Covid-19 claims.
Unique Features
A pure term plan that offers low coverage of 5 lakhs and premium discounts.
Unique Features
ICICI Pru Loan Protect protects your family from the outstanding home and car loans in your absence.
Unique Features
The plan covers cancer survivors, pre-existing conditions, post-surgery individuals and offers lump sum and income benefits.
Unique Features
A standard pure protection term plan that offers coverage on affordable premiums.
Unique Features
The Critical Illness Benefit offers coverage against 64 critical illnesses, of which 60 are major critical illnesses and 4 are minor critical illnesses.
Critical Illness Benefit is available for Single Pay and Limited Pay with maximum benefit term of 15 years. For regular pay, the maximum term under CI benefit is 40 years subject to maximum cover ceasing age of 85 years.
Minor Critical Illnesses
Major Critical Illnesses
An insurance holder can not avail life stage coverage as it is offered with only 2 plan options which are the early return of premium with life stage cover and ROP with life stage cover.
There are a total of 4 plan options available under the ICICI Pru iProtect Return Of Premium Term Plan. Return of Premium, Income Benefit, Return of Premium with Life stage cover, and Early Return of Premium with Life stage cover.
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