Ishield Plan vs Pnb Metlife Loan And Life Suraksha Plan Term Insurance Plan 2026 | PolicyX

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ICICI Pru iShiled is a dual-benefit term plan that gives both health & life insurance. Apart from life coverage, this policy offers coverage against health care expenses such as regular doctor consultations, hospitalisation, drugs, and preventative check-ups.

In case of unfortunate demise, this plan also pays a guaranteed death benefit to the nominee. ICICI Pru ishiled plan offers different coverage for both insurance types: for health insurance sum insured ranges between Rs.5 lakhs to Rs.20 lakhs and for life insurance sum assured ranges between Rs.50 lakhs to Rs.1 crore.

Here are some key features of this plan:

  • Life + Health Benefit
  • Hassle-free online process
  • Waiver of premium benefit
  • Flexible policy term
  • Pre & post hospitalisation expenses
  • 5% premium discount on online purchases

 

PLAN DETAILS

Ishield Plan

Pnb Metlife Loan And Life Suraksha Plan

Premium Including GST
Key Features
(Key features of the plan)
  • Combi Plan - Health & Life
  • Family Cover
  • Discounts for Non-Smokers
  • Dual Coverage option
  • Joint Life option
  • Moratorium Period
Plan Maturity age Maximum Maturity Age - 85 years Maximum Maturity Age - NA
Plan Sum Assured Base sum assured: 50 Lakhs to 1 crore Base sum assured: 5 Thousand to no limit
Plan Entry Age Minimum Age - 18 years Maximum Age - 60 years Minimum Age - 15 years Maximum Age - 65 years
Plan Payment modes Annual, half-yearly, quarterly & monthly Half-yearly, Quarterly, Yearly, Monthly
Plan Policy loan The policy loan is not available under ICICI i-shield plan. The policy loan is available under PNB MetLife Loan and Life Suraksha Plan
Plan Sample Premium Rs 765-/ per month Rs 532-/ per month
Plan Brochure Brochure URL Brochure URL
Policy Term Minimum term - 5 years Maximum term - 85 years Minimum term - 2 years, Maximum term - 25 years
Claim Settlement Ratio (2024-25) 99.33% 99.57%
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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 withICICI PruiShield Term Plan

You can add the following riders to your ICICI PruiShield Term Plan:

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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