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Life Raksha Plan
789-/ per month
VS
Digit Glow Term Insurance Plan
654-/ per month
ICICI Pru Life is a pure protection term insurance plan designed to provide affordable financial security for families. The plan offers life cover ranging from ₹50,000 to ₹5 lakh with tax benefits on premiums paid.
The plan is offered by ICICI Pru Life Insurance company and comes with tax benefits against the premiums that you pay. The premium payment term of the Life Raksha plan is regular pay for 5 years. It is to be noted that this plan does not come with any maturity or surrender benefits.
Here are some benefits of this plan:
| PLAN DETAILS |
Life Raksha Plan |
Digit Glow Term Insurance Plan |
| Premium Including GST | ||
| Key Features (Key features of the plan) |
|
|
| Plan Maturity age | Maximum Maturity Age - 70 years | Maximum maturity age- 85 years |
| Plan Sum Assured | 10 times annual premium | Base Sum Assured- 2.25 lakhs to 1 crore |
| Plan Entry Age | Minimum Age - 18 years Maximum Age - 60 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 | Policy loan is not available under ICICI Life Raksha Plan | Policy loan is not available |
| Plan Sample Premium | Rs 789-/ per month | Rs 654-/ per month |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | Minimum term - 5 years Maximum term - 5 years | Minimum policy term- 1 year, Maximum policy term- 40 years |
| Claim Settlement Ratio (2024-25) | 99.33% | 99.53% |
|
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 choose the following riders with your Digit Glow Term Insurance Plan to enhance your plan coverage:
Offers additional benefits in case of the policyholder’s death due to an accident.
This rider offers the rider sum assured in case the policyholder becomes partially or totally disabled due to an accident.
In case the policyholder is diagnosed with any of the critical illnesses mentioned in the brochure, then rider benefits are paid to them.
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