Iprotect Smart Plan vs Isecure Plan Term Insurance Plan 2026 | PolicyX

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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

 

PLAN DETAILS

Iprotect Smart Plan

Isecure Plan

Premium Including GST
Key Features
(Key features of the plan)
  • 2 Plan Options
  • Waiting Period Protection
  • Accidental Death Benefit
  • 105% Death Benefit
  • Rider Benefit
  • 50 lakhs Max Sum Assured
Plan Maturity age Maximum Maturity Age - 65 years Maximum Maturity Age - 70 years
Plan Sum Assured Base sum assured: Subject to minimum premium 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 - 60 years
Plan Payment modes Simgle, Regular, Limited Annual, half-yearly, quarterly & monthly
Plan Policy loan The policy loan is not available under ICICI iprotect Smart Plan The policy loan is not available under Bajaj i-Secure Term Plan
Plan Sample Premium Rs 929/- per month Rs 665-/ per month
Plan Brochure Brochure URL Brochure URL
Policy Term Minimum term - 5 years Maximum term - 40 years Minimum term - 10 years Maximum term - 30 years
Claim Settlement Ratio (2024-25) 99.33% 99.33%
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* 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.

Riders

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.

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