ICICI Pru iCare II
- Accidental Death cover
- Affordable premiums
- Tax benefit on premiums
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Are you having a high-risk occupation such as a fire-fighter, coal miner, construction worker, and so on, in which the chances of an accident are much higher compared to any other? If yes, then you might not know that some term plans have an inbuilt accidental death benefit to enhance the coverage amount. In today's article, we will discuss the ICICI Prudential icare- II Plan.
ICICI Prudential iCare - II is a pure, non-linked term insurance plan that covers you for up to 85 years of age, with a minimum age of entry of just 18 years. With a minimum sum assured of just Rs.86,548 under plan option 1, you can get this plan only for 2444/- annually.
Here are some key features of this plan:
Minimum Age - 18 years Maximum Age - 65 years
Maximum Maturity Age - 85 years
Minimum term - 5 years Maximum term - 67 years
Base sum assured: Rs. 86548 to no limit.
The policy loan is not available under ICICI Pru iCare II Plan
Annual, half-yearly, quarterly & monthly
Let's understand how the ICICI Pru iCare II Plan with a simple premium illustration.
Mr. Sanjeev Gupta, a 35-year-old Delhi-based businessman looking for a term plan for his family. His basic concern is to choose a term plan that provides higher coverage with tax benefit in upcoming ITR season.
He visited PolicyX.com to learn more about term insurance with higher coverage. PolicyX.com advisors carefully understand his query and suggest him to purchase ICICI Pru iCare II Plan.
Let us see a brief illustration of Mr. Sanjeev's ICICI Pru iCare-II Plan
| Age of policyholder | Annual premiums | Premium payment mode | Policy tenure | Premium payment term | Total premiums paid | Sum assured |
| 35 years | Rs 38,986 | Annually | 25 years | 25 years | Rs 974650 | Rs 2 Crore |
Key Takeaways: Mr. Sanjeev will be covered until the age of 60 years. In case of any unfortunate demise during the policy term, His nominee will receive sum assured equal to Rs. 2 crores.
Here are the benefits associated with the ICICI Pru iCare II
You can add the following riders to your ICICI Pru iProtect Care II 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.
Here is the list of exclusions associated with the plan:
With ICICI Pru iProtect Care II Plan, You can get a minimum of Rs.2 crore life cover including accidental death benefit. This ICICI Pru i-protect care II plan offer two plan option and comes with affordable premiums. This plan comes with two plan options to cover the vast needs of customers. For more info related to this Plan, you can contact PolicyX.com. Our insurance advisors work 24/7 to solve every possible query of yours.
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I am a passionate content writer with over three years of experience in the insurance domain. An avid learner, I always tries stays ahead of the industry's trends, ensuring my writing remains fresh and includes the latest insurance shifts. Through my work, I strive to engage with targeted insurance readers.
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