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Icare Ii Plan
798-/ per month
VS
Smart Term Plan Plus
586/- per month
ICICI Prudential iCare II is a pure, non-linked term insurance plan designed to provide affordable and reliable financial protection, especially for individuals in high-risk occupations. This plan covers you up to age 85, with a minimum entry age of 18. With a minimum sum assured of just Rs. 86,548 under plan option 1, you can get this plan only for 2444/- annually. The plan is particularly useful for those in professions like construction, mining, or firefighting, where the risk of accidents is higher, as it includes options to enhance coverage through accidental death benefits.
Here are some key features of this plan:
| PLAN DETAILS |
Icare Ii Plan |
Smart Term Plan Plus |
| Premium Including GST | ||
| Key Features (Key features of the plan) |
|
|
| Plan Maturity age | Maximum Maturity Age - 85 years | Maximum maturity age - 100 years |
| Plan Sum Assured | Base sum assured: Rs. 86548 to no limit. | Base sum assured - Rs 25 lakhs to No limit |
| Plan Entry Age | Minimum Age - 18 years Maximum Age - 65 years | Minimum Age - 18 years Maximum Age - 65 years |
| Plan Payment modes | Annual, half-yearly, quarterly & monthly | Yearly, half-yearly, quarterly, and monthly |
| Plan Policy loan | The policy loan is not available under ICICI Pru iCare II Plan | Policy loan is not available |
| Plan Sample Premium | Rs 798-/ per month | Rs 586/- per month |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | Minimum term - 5 years Maximum term - 67 years | Minimum policy term - 5 years, Maximum policy term - 82 years |
| Claim Settlement Ratio (2024-25) | 99.33% | 99.70 |
|
ICICI Prudential Term Insurance |
||
* The above sample premiums are for a 30-year-old male, nonsmoker with a sum assured of Rs 50 lakhs and a policy tenure of 25 years. You can calculate the premiums for the above term insurance plans using the PolicyX Term Insurance Calculator.
You can add the following riders to your ICICI Pru iProtect Care II 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.
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