ICICI Pru iProtect Smart Term Plan
- Online Discounts
- MWPA Enrolment Benefit
- Waiver of Premium on Terminal Illness
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I am a passionate content writer with over three years of experience in the insurance domain. An avid learner, I always tries stays ahead of the industry's trends, ensuring my writing remains fresh and includes the latest insurance shifts. Through my work, I strive to engage with targeted insurance readers.
Apeksha Parsai has trained young minds about the benefits of health & term insurance throughout her 8+ years career. She designs, develops, and delivers impactful training programs for agents/brokers, and internal teams. Her expertise lies in insurance product knowledge, sales strategies, regulatory compliance, and customer service.
Updated on Apr 23, 2025 6 min read
ICICI Pru iProtect Smart Term Plan is a non-linked pure-term insurance plan. This plan provides advanced protection by offering comprehensive coverage against the 34 listed critical illnesses. Whether you are a salaried employee or a business owner this plan offers the flexibility to pay premium.
With ICICI Pru iProtect Smart, you can choose how the death benefit will be payable to the nominee such as you can choose from either lumpsum or lumpsom+ Regular Income payout.
ICICI Pru i-Protect Smart offers you a range of benefits including:
Minimum Age - 18 years Maximum Age - 65 years
Maximum Maturity Age - 100 years
Minimum term - 5 years Maximum term - 99 years
Min:Subject to the minimum premium Max: Unlimited
The policy loan is not available under ICICI Pru iprotect smart
Annual, half-yearly, quarterly & monthly
Let's understand how the ICICI Pru i-Protect Smart term plan works with a simple premium illustration.
Mrs. Priyanka Singh, a 34-year-old Pune-based Architect is looking for a term plan that gives life cover including inbuilt critical illness benefits.
She visited PolicyX.com to learn more about term insurance with critical illness coverage. PolicyX.com advisors carefully understand her query and suggest to purchase ICICI Pru i-Protect Smart.
Let us see a brief illustration of Priyanka's ICICI Pru i-Protect Smart
| Age of policyholder | Annual premiums | Premium payment mode | Policy tenure | Premium payment term | Total premiums paid | Sum assured |
| 34 years | Rs 11,987 | Annually | 25 years | 25 years | Rs 299675 | Rs 50 lakhs |
Key Takeaways: Mrs. Priyanka singh will be covered untill the age of 59 years. In case of any unfortunate demise during policy term, her nominee will receive sum assured equal to Rs.50 lakhs.
Here are the benefits associated with the ICICI Pru iProtect Smart Term Plan
ICICI Pru iProtect Smart Term Insurance Plan
ICICI Pru iProtect Smart Plan Review
ICICI Pru IProtect Smart Term Plan Review
You can add the following riders to your ICICI Pru iProtect Smart 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.
With ICICI Pru Critical Illness Rider, you can protect yourself with a maximum sum assured of 1 crore against 34 critical illnesses.
Here is the list of exclusions associated with the plan:
ICICI Pru iProtect Smart Plan offers comprehensive coverage to the policyholders. Whether you need, inbuilt critical illness coverage or accidental death benefit coverage with the ICICI Pru iprotect Plan you can get all cover under the same plan. In case, you still have any doubts regrading this plan, you can contact PolicyX.com. Our advisors work 24/7 to solve every possible query of you.
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I am a passionate content writer with over three years of experience in the insurance domain. An avid learner, I always tries stays ahead of the industry's trends, ensuring my writing remains fresh and includes the latest insurance shifts. Through my work, I strive to engage with targeted insurance readers.
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