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Loan Protect Plus Plan
769-/ per month
VS
Iprotect Super Term Plan
761/- per month
ICICI Pru Loan Protect Plus Plan is a simple term insurance plan, specially designed to manage the risk associated with ongoing loan amounts. The plan is crafted in a way to protect the policyholder and his family from the burden of the loan, in case they are unable to pay the loan due to an unforeseen situation such as death or accident.
In the ICICI Pru Loan Protect Plus plan, a lump sum is payable to the policyholder or their family to fulfill the immediate liabilities. The plan offers comprehensive plan benefits options which cover critical illness, accident cover, and disability cover. Let us explore the plan more in the later sections of the article.
Here are some benefits of this plan:
| PLAN DETAILS |
Loan Protect Plus Plan |
Iprotect Super Term 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 | Base sum assured: 5 Lac to no limit. | Base sum assured- Rs 50 lakhs to Rs 1 crore |
| Plan Entry Age | Minimum Age - 18 years Maximum Age - 65 years | Minimum age- 18 years, Maximum age- 55 years |
| Plan Payment modes | Annual, half-yearly, quarterly & monthly | Yearly, half-yearly, quarterly, and monthly |
| Plan Policy loan | The policy loan is not available under Smart Total Elite Protection Plan. | No policy loan is available under this plan. |
| Plan Sample Premium | Rs 769-/ per month | Rs 761/- per month |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | Minimum term - 5 years Maximum term - 30 years | Minimum policy term- 20 years, Maximum policy term- 85 years minus entry age |
| Claim Settlement Ratio (2024-25) | 99.33% | 99.33% |
|
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 add the following riders to your ICICI Pru Loan Protect Plus Term Plan:
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.
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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