ICICI Prudential POS iProtect Smart
  • 2 Plan Options
  • Waiting Period Protection
  • Accidental Death Benefit
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ICICI Prudential POS iProtect Smart

ICICI Pru POS iProtect Smart Term Plan is a non-linked, non-participating term insurance plan that offers flexibility to customize your plan and enhance coverage with accidental death Benefit.

With a maximum maturity age of 65 years, ICICI Pru POS iProtect Smart Term Plan comes with two plan options as Life Option and Life Plus Option.

Here are some key features of this plan:

why-choose
  • Additional Accidental Death Benefit
  • Affordable Premiums
  • Flexible Policy Term
  • Tax benefit
  • Easy Issuance
  • Special Premium Discount for Women and Non-sSmokers

Eligibility Criteria for ICICI Prudential POS iProtect Smart

Your Occupation

Entry age

Minimum Age - 18 years Maximum Age - 65 years

Mukhyamantri Amrutam Yojana

Maturity age

Maximum Maturity Age - 65 years

Your Gender

Policy term

Minimum term - 5 years Maximum term - 40 years

Maternity Benefit Rider

Sum assured

Base sum assured: Subject to minimum premium to no limit.

Dr YSR Aarogyasri Trust

Policy loan

The policy loan is not available under ICICI iprotect Smart Plan

Maternity Benefit Rider

Payment modes

Simgle, Regular, Limited

How Does ICICI Prudential iProtect Smart Plan Work?

Let's understand how the ICICI Prudential iProtect Smart Plan work. 

Why Buy Term Insurance Online?

Problem

Mrs. Divyanshi Sinha a 35 year old Gurugram based marketing consultant, is looking for a term Insurance plan that offers inbuilt accidental death benefit coverage without adding additional rider.

Solution

Her brother suggests her to visit PolicyX.com to know these plans. PolicyX.com carefully analyzes all the details given by Mrs. Divyanshi and suggests she purchase the ICICI Pru iProtect Smart Plan. 

Let us see a brief illustration of Mrs. Divyanshi's ICICI Pru iProtect Smart Term Insurance Plan.

Age of policyholder Annual premiums Policy tenure Premium payment term Total premiums paid Sum assured
35 years Rs 35,425 25 years 25 years Rs 885625 Rs 75 Lakh

Key Takeaways: Mrs. Divyanshi will be covered for up to the age of 25 years. In case of any unfortunate event her nominee will receive sum assured to Rs. 75 Lakhs.

Benefits of ICICI Prudential POS iProtect Smart

Here are the benefits associated with the ICICI Prudential POS iProtect Smart

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Riders Associated with ICICI Pru POS iProtect Smart

You can add the following riders to your ICICI Pru POS iProtect Smart:

ICICI Pru Accidental Death Benefit Rider

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.

ICICI Pru Critical Illness Rider

With ICICI Pru Critical Illness Rider, you can protect yourself with a maximum sum assured of 1 crore against 34 critical illness diseases.

Features of ICICI Prudential POS iProtect Smart

Waiting Pеriod Protеction

In casе whеrе thе insurеd pеrson diеs within thе first 60 days of thе commеncеmеnt of thе policy i.e. during the waiting period, the company will rеfund thе total prеmiums paid. Thе policy will tеrminatе immеdiatеly.

Additional Accidеntal Dеath Bеnеfit

If you opt for this option, you can get extended life cover for additional accidental death benefit.

Spеcial Prеmium Ratеs for Womеn

This plan offers special premium rates for women.

 

Exclusions of ICICI Prudential POS iProtect Smart

Here is the list of exclusions associated with the plan:

  • Death occurred due to a pandemic is not covered by the company.
  • Death caused due to any type of adventure sports.
  • Death by consumption of any type of drugs and alcohol.
  • Death due to any pre-existing disease that isn't mentioned during the start of the policy.
  • If policyholder commits suicide within first 12 months of purchasing the policy, then no death benefits are paid to their nominee. Either premiums paid to date or the surrender value of the policy whichever is higher is paid to them.

Conclusion

ICICI Pru POS iProtеct Smart is a flеxiblе and customizablе tеrm insurancе plan that offers two bеnеfit options: Lifе Option and Lifе Plus Option. It has sеvеral fеaturеs likе flеxiblе options whеn it comеs to paying thе prеmium, spеcial prеmium ratеs for womеn, tax bеnеfit, еtc.Thе plan also offеrs protеction for еarly dеath within thе first 60 days and givеs you thе choicе to bump up your covеragе through Accidеntal Dеath Bеnеfit. For more info related to this plan, you can contact PolicyX.com. Our certified insurance advisors works 24/7 to solve every possible query of yours.

Explore other ICICI Term Insurance

ICICI Term Insurance offers one of the best term insurance plans to cater to the unique needs of every customer. You can buy their term plans with high life cover at pocket-friendly costs. Get a 5% discount for online purchases and 100% claim assistance with ICICI Term Insurance plans. Below is the list of term plans offered by ICICI Term.

ICICI Pru POS iProtect Smart Term Plan is a non-linked, non-participating term insurance plan that offers flexibility to customize your plan and enhan...

Unique Features

  • 2 Plan Options
  • Waiting Period Protection
  • Accidental Death Benefit

ICICI Prudential POS iProtect Smart (Pros)

ICICI Prudential POS iProtect Smart
  • Life option
  • Life Plus Option
  • Premium discounts for women

ICICI Prudential POS iProtect Smart (Cons)

ICICI Prudential POS iProtect Smart
  • No policy loan
  • No Investment option
  • No Terminal illness benefit

ICICI Prudential POS iProtect Smart (Other Benefits)

ICICI Prudential POS iProtect Smart
  • Additional Accidеntal Dеath Bеnеfit
  • Special Premium rates
  • Tax benefit

ICICI Prudential POS iProtect Smart (Eligibility Criteria)

ICICI Prudential POS iProtect Smart
  • Minimum entry age-18 years
  • Maximum entry age- 60 years
  • Minimum sum assured- As per plan
  • Minimum policy term-5 years
  • Maximum policy term- 40 years.

ICICI Pru Protect n Gain plan, stays true to its tagline, ''Growth Bhi Protection Bhi'' which means it provides dual benefits of protection and wealth...

Unique Features

  • 18 Fund Options Available
  • 4 Plan Strategies
  • Systemic Withdrawal Plan Option

ICICI Prudential Protect-n-Gain (Pros)

ICICI Prudential Protect-n-Gain
  • 18 Different funds
  • 4 Investment strategies
  • Top-up option

ICICI Prudential Protect-n-Gain (Cons)

ICICI Prudential Protect-n-Gain
  • No policy Loan
  • No guaranteed returns
  • Suicide cover after 12 month

ICICI Prudential Protect-n-Gain (Other Benefits)

ICICI Prudential Protect-n-Gain
  • Unlimited free switches
  • Tax benefit
  • Top up option

ICICI Prudential Protect-n-Gain (Eligibility Criteria)

ICICI Prudential Protect-n-Gain
  • Minimum entry age-18 years
  • Maximum entry age- 65 years
  • Minimum sum assured- 5 Lac
  • Maximum sum assured- No limit
  • Maximum Policy term-30 years

ICICI Pru Loan Protect Plus Plan is a simple term insurance plan, specially designed to manage the risk associated with ongoing loan amounts. The plan...

Unique Features

  • Death Benefit Options
  • Flexible Policy Terms
  • Life Cover Options

ICICI Pru Loan Protect Plus (Pros)

ICICI Pru Loan Protect Plus
  • Comprehensive coverage
  • Choice of coverage options
  • Flexible policy term

ICICI Pru Loan Protect Plus (Cons)

ICICI Pru Loan Protect Plus
  • No policy loan
  • No Investment option
  • No Terminal illness benefit

ICICI Pru Loan Protect Plus (Other Benefits)

ICICI Pru Loan Protect Plus
  • Death benefit
  • Reducing cover
  • Surrender benefit

ICICI Pru Loan Protect Plus (Eligibility Criteria)

ICICI Pru Loan Protect Plus
  • Minimum entry age-18 years
  • Maximum entry age- 65 years
  • Minimum sum assured- 5 lac
  • Minimum policy term -5 years
  • Maximum policy term- 30 years.

ICICI Pru Life Raksha is a simple pure protection plan offering death benefits ranging from INR 50,000 to INR 5 lakhs. The plan is offered by ICICI Pr...

Unique Features

  • 18 Fund Options Available
  • 4 Plan Strategies
  • Systemic Withdrawal Option

ICICI Pru Life Raksha (Pros)

ICICI Pru Life Raksha
  • Five-Year Regular Pay
  • No medical examination
  • Tax benefits

ICICI Pru Life Raksha (Cons)

ICICI Pru Life Raksha
  • No policy loan
  • No Investment option
  • No Terminal illness benefit

ICICI Pru Life Raksha (Other Benefits)

ICICI Pru Life Raksha
  • Free look period
  • Grace Period
  • Short term plan

ICICI Pru Life Raksha (Eligibility Criteria)

ICICI Pru Life Raksha
  • Minimum entry age-18 years
  • Maximum entry age- 60 years
  • Minimum sum assured- 50
  • 000
  • Minimum policy term -5 years
  • Maximum policy term- 5 years.

ICICI Pru iShiled is a dual-benefit plan that gives both health & life insurance. Apart from life coverage, this policy offers coverage against he...

Unique Features

  • Combi Plan - Health & Life
  • Family Cover
  • Discounts for Non-Smokers

ICICI Pru iShield Term (Pros)

ICICI Pru iShield Term
  • Health+Life Combo
  • 5% online discount
  • Easy renewal

ICICI Pru iShield Term (Cons)

ICICI Pru iShield Term
  • No policy loan
  • No Investment option
  • No Terminal illness benefit

ICICI Pru iShield Term (Other Benefits)

ICICI Pru iShield Term
  • 5% online discount
  • waiver of premium
  • Tax benefit

ICICI Pru iShield Term (Eligibility Criteria)

ICICI Pru iShield Term
  • Minimum entry age-6 years
  • Maximum entry age- 65 years
  • Minimum sum assured- As per Premium
  • Maximum policy term- 99 years
  • Mode of premium- Single

Are you suffering from any pre-existing diseases? Then, getting a term plan might be difficult for you. But not anymore. ICICI Prudential’s Prec...

Unique Features

  • Covers pre-existing diseases
  • 5% loyalty discount
  • Accidental death benefit

ICICI Precious Life Term (Pros)

ICICI Precious Life Term
  • Covers pre existing conditions
  • Covers Cancer survivors
  • 5% loyalty discount

ICICI Precious Life Term (Cons)

ICICI Precious Life Term
  • No policy loan
  • No Investment option
  • No Terminal illness benefit

ICICI Precious Life Term (Other Benefits)

ICICI Precious Life Term
  • Death benefit
  • Accidental death benefit
  • Affordable Premiums

ICICI Precious Life Term (Eligibility Criteria)

ICICI Precious Life Term
  • Minimum entry age-18 years
  • Maximum entry age- 70 years
  • Minimum sum assured- 2 lakh
  • Maximum sum assured- No limit
  • Maximum policy term- 40 years.

Are you having a high-risk occupation such as a fire-fighter, coal miner, construction worker, and so on, in which the chances of an accident are much...

Unique Features

  • Accidental Death cover
  • Affordable premiums
  • Tax benefit on premiums

ICICI Pru iCare II (Pros)

ICICI Pru iCare II
  • 2 Crore Accidental Death Benefit
  • One Pay & Single Pay Option
  • Unexpired Risk Premium Value

ICICI Pru iCare II (Cons)

ICICI Pru iCare II
  • No Maturity Benefit
  • No Loans Allowed
  • Death Due To Drugs

ICICI Pru iCare II (Other Benefits)

ICICI Pru iCare II
  • Suicide Cover
  • Tax Benefit
  • Affordable Plan

ICICI Pru iCare II (Eligibility Criteria)

ICICI Pru iCare II
  • Entry Age -18 Years
  • Max Entry Age- 65 Years
  • Minimum Sum Assured - Adaptable
  • Maximum Maturity Age - NA
  • Premium Payment Term - SP

ICICI Pru iProtect Smart Term Plan is a non-linked pure-term insurance plan. This plan provides advanced protection by offering comprehensive coverage...

Unique Features

  • Online Discounts
  • MWPA Enrolment Benefit
  • Waiver of Premium on Terminal Illness

ICICI Pru iProtect Smart Term (Pros)

ICICI Pru iProtect Smart Term
  • Accidental Death Option
  • Critical death option
  • 4 Plan option

ICICI Pru iProtect Smart Term (Cons)

ICICI Pru iProtect Smart Term
  • No policy loan
  • No Investment option
  • No Terminal illness benefit

ICICI Pru iProtect Smart Term (Other Benefits)

ICICI Pru iProtect Smart Term
  • Long Term Cover
  • Optional Covers
  • Add-on Benefits

ICICI Pru iProtect Smart Term (Eligibility Criteria)

ICICI Pru iProtect Smart Term
  • Minimum entry age-18 years
  • Maximum entry age- 65 years
  • Minimum sum assured- As per premium
  • Maximum sum assured- No limit
  • Maximum policy term- 99 years.

ICICI Pru Loan Protect is a non-participating term insurance plan offered by ICICI Pru Life Insurance Company. It provides life cover to individuals w...

Unique Features

  • Protection against mortgage
  • Protection against the car loan
  • Sum assured starts with 5 lacs

ICICI Pru Loan Protect (Pros)

ICICI Pru Loan Protect
  • Flexible PPT
  • Reducing Cover
  • Long term Policy term

ICICI Pru Loan Protect (Cons)

ICICI Pru Loan Protect
  • No policy loan
  • No Investment option
  • No Terminal illness benefit

ICICI Pru Loan Protect (Other Benefits)

ICICI Pru Loan Protect
  • Death Benefit
  • Tax Benefits
  • Surrender Benefit

ICICI Pru Loan Protect (Eligibility Criteria)

ICICI Pru Loan Protect
  • Minimum entry age-18 years
  • Maximum entry age- 65 years
  • Minimum sum assured- 5 Lac
  • Maximum sum assured- 30 Lac
  • Maximum policy term- 30 years.

ICICI Pru Saral Jeevan Bima offers a simplified answer to your protection needs and ensures that your family leads a comfortable life without any fina...

Unique Features

  • Pure protection plan
  • Affordable premiums
  • Flexible options

ICICI Pru Saral Jeevan Bima (Pros)

ICICI Pru Saral Jeevan Bima
  • Affordable premiums
  • Flexible premium paying term
  • Maturity age upto the age 70 years.

ICICI Pru Saral Jeevan Bima (Cons)

ICICI Pru Saral Jeevan Bima
  • No Policy Loan
  • No Investment option
  • No Terminal illness benefit

ICICI Pru Saral Jeevan Bima (Other Benefits)

ICICI Pru Saral Jeevan Bima
  • Death benefit
  • No medical examination
  • Tax benefit

ICICI Pru Saral Jeevan Bima (Eligibility Criteria)

ICICI Pru Saral Jeevan Bima
  • Minimum entry age-18 years
  • Maximum entry age- 65 years
  • Maximum maturity age- 70 years
  • Minimum sum assured-5 Lac
  • Maximum sum assured-No limit

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 you...

Unique Features

  • Maturity Benefit
  • Critical Illness Cover
  • Accidental Disability Cover

ICICI Prudential iProtect Return Of Premium (Pros)

ICICI Prudential iProtect Return Of Premium
  • Life stage cover
  • Critical illness
  • Return of premium

ICICI Prudential iProtect Return Of Premium (Cons)

ICICI Prudential iProtect Return Of Premium
  • No policy loan
  • No Investment option
  • No Terminal illness benefit

ICICI Prudential iProtect Return Of Premium (Other Benefits)

ICICI Prudential iProtect Return Of Premium
  • Maturity benefit
  • Income benefit
  • Premium back

ICICI Prudential iProtect Return Of Premium (Eligibility Criteria)

ICICI Prudential iProtect Return Of Premium
  • Minimum entry age-18 years
  • Maximum entry age- 65 years
  • Minimum sum assured- As per plan
  • Minimum policy term-5 years
  • Maximum policy term- 20 years.

ICICI Pru POS iProtect Smart Plan: FAQs

1. What arе thе bеnеfit options availablе In ICICI Pru POS iProtеct Smart?

ICICI Pru POS iProtеct Smart offers two bеnеfit options: Lifе Option and Lifе Plus Option which comе with thеir spеcific covеr dеtails.

2. If I diе within thе initial waiting pеriod of thе policy, what would happеn?

If thе insurеd pеrson passеs away during thе first 60 days, all thе prеmiums paid including еxcluding (GST + Cеssеs) shall bе rеimbursеd to thе nominее or bеnеficiary and thе policy shall stand cancеllеd. But thеrе is no waiting pеriod for dеaths duе to accidеnts.

3. . Is thеrе a tax bеnеfit for buying ICICI Pru POS iProtеct Smart?

Yеs, you can avail thе tax bеnеfits undеr sеction 80C of incomе Tax act, 1961 for thе prеmiums paid on such policy. It may help you dеcrеasе your taxablе incomе.

4. What is thе Accidеntal Dеath bеnеfit in ICICI Pru POS iProtеct Smart?

The Lifе Plus Option allows you to incrеasе your covеragе by sеlеcting an Accidеntal Dеath Bеnеfit ridеr. It also gives you an additional bеnеfit if thе dеath of thе policyholdеr was bеcausе of an accidеnt.

5. Does policyholdеr еnjoy any special privilеgеs with this plan bеing a woman?

Womеn policyholdеrs also gеt thе bеnеfit of spеcial prеmium ratеs for lifе covеr, making it an affordablе mеans to sеcurе your futurе. Thе idеa bеhind this fеaturе is to sеcurе financial frееdom for a woman at low cost.

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Daina Mathew

Written By: Daina Mathew

Daina is a content writer with a profound grasp of Insurance, Stocks, and Business domains. Her extensive 3-year experience in the insurance industry equips her with a nuanced understanding of its intricacies. Her skills extend to crafting blogs, articles, social media copies, video scripts, and website content. Her ability to simplify complex insurance concepts into reader-friendly content makes her an expert in the domain.