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Life Raksha Plan
789-/ per month
VS
Zindagi Protect
568-/ 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 |
Zindagi Protect |
| Premium Including GST | ||
| Key Features (Key features of the plan) |
|
|
| Plan Maturity age | Maximum Maturity Age - 70 years | Maximum Maturity Age - 100 years |
| Plan Sum Assured | 10 times annual premium | Base sum assured: Rs 50 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 | Annual, half-yearly, quarterly & monthly |
| Plan Policy loan | Policy loan is not available under ICICI Life Raksha Plan | Policy loan is not available under the Zindagi Protect Plan. |
| Plan Sample Premium | Rs 789-/ per month | Rs 568-/ per month |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | Minimum term - 5 years Maximum term - 5 years | Minimum term - 5 years Maximum term - 100 years |
| Claim Settlement Ratio (2024-25) | 99.33% | 99.29% |
|
ICICI Prudential Term Insurance Edelweiss Tokio Zindagi Plus Life 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 Edelweiss Life Zindagi Protect:
In case of the policyholder’s demise due to an accident, benefits are paid to the nominee.
Under this rider, you will be paid an immediate lump sum amount upon the diagnosis of any of the listed 12 critical diseases, including cancer and brain tumour. This immediate lump sum helps manage treatment expenses.
Under this rider, all future premiums of your ongoing term plan will be waived off if you are diagnosed with any of the listed 12 critical diseases or become physically disabled due to an accident during the policy term.
Under the accidental disability rider, benefits are offered in case of the policyholder’s disability or demise due to an accident.
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