Iprotect Smart Plan vs Hdfc Life Click 2 Protect Ultimate Term Insurance Plan 2026

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ICICI Prudential iProtect Smart is a comprehensive term insurance plan that offers life cover, protection against critical illness, and disability coverage. It also provides flexible payout options and customisable coverage to suit different financial needs. It is designed as a pure protection plan that ensures your family's financial safety with a high sum assured at affordable premiums. With multiple plan options, optional riders, and life stage benefits, it helps you improve your coverage as your responsibilities increase, making it a reliable long-term solution for financial protection.

Here are some key features of this plan:

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

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.

Links your health activities to rewards and offers benefits on medical and wellness expenses.

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Premium Including GST
Key Features (Key features of the plan)	2 Plan Options Waiting Period Protection Accidental Death Benefit	High Life Cover Terminal Illness Return of Premium Benefit 100% Claim Assurance
Plan Maturity age	Maximum Maturity Age - 65 years	85 years
Plan Sum Assured	Base sum assured: Subject to minimum premium to no limit.	INR 1,00,00,000 to INR 3,00,00,000
Plan Entry Age	Minimum Age - 18 years Maximum Age - 65 years	18 to 85 years
Plan Payment modes	Simgle, Regular, Limited	Monthly, Half-yearly, Quarterly, and Annually.
Plan Policy loan	The policy loan is not available under ICICI iprotect Smart Plan	no
Plan Sample Premium	Rs 929/- per month	₹2,200 – ₹3,000
Plan Brochure	Brochure URL	Brochure URL
Policy Term	Minimum term - 5 years Maximum term - 40 years	5 to 82 years
Claim Settlement Ratio (2024-25)	99.33%	99.68%
Recommended Videos	ICICI Prudential Term Insurance	-

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Riders

Riders Associated with ICICI Pru POS iProtect Smart

ICICI Pru Accidental Death Benefit Rider

ICICI Pru Critical Illness Rider

Riders Associated with Tata AIA Maha Raksha Supreme Select plan

Tata AIA Life Insurance Health Rider

Tata AIA Vitality Protect

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