Protect N Gain Plan vs Hdfc Click Supreme Term Insurance Plan 2026 | PolicyX

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ICICI Prudential Protect n Gain plan, stays true to its tagline, ''Growth Bhi Protection Bhi'' which means it provides dual benefits of protection and wealth creation. ICICI Protect N Gain is a ULIP designed to combine long-term wealth creation with robust life insurance coverage. The plan protects the insured and their family members with life insurance coverage of up to 100 times the annual premium and grows the wealth through market-linked returns.

This is a protection cum ULIP plan that has a maturity booster benefit and the policyholder can receive a monthly payout through a Systematic Withdrawal Plan(SWP).

Here are some key benefits of this plan:

  • 18 fund options
  • 4 diffrent stratergies
  • Partial withdrawal
  • Flexible premium payment term
  • Tax benefit
  • Unlimited free switches
PLAN DETAILS

Protect N Gain Plan

Hdfc Click Supreme

Premium Including GST
Key Features
(Key features of the plan)
  • 18 Fund Options Available
  • 4 Plan Strategies
  • Systemic Withdrawal Plan Option
  • Choice of Plan Options
  • Return of Premium Option
  • Increasing Death Benefits
Plan Maturity age Maximum Maturity Age - 85 years Maximum Maturity Age - 85 years
Plan Sum Assured Base sum assured: 5 Lakhs to no limit. Base sum assured: Rs 10,000 to No Limit
Plan Entry Age Minimum Age - 18 years Maximum Age - 55 years Minimum Age - 18 years Maximum Age - 84 years
Plan Payment modes Annual, half-yearly, & monthly Monthly, Quarterly, and Half-yearly and Yearly
Plan Policy loan Policy loan is not available under ICICI protect n gain plan No Policy Loans are available under this plan.
Plan Sample Premium Rs 707-/ per month Rs 931/- per month
Plan Brochure Brochure URL Brochure URL
Policy Term Minimum policy term - 30 years, Maximum policy term - 40 years 1 month to 85 years minus entry age
Claim Settlement Ratio (2024-25) 99.33% 99.68%
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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 Prudential Protect-n-Gain

You can add the following riders to your ICICI Prudential Protect-n-Gain:

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.

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 illnesses.

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