ICICI Prudential POS iProtect Smart
- 2 Plan Options
- Waiting Period Protection
- Accidental Death Benefit
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ICICI Pru POS iProtect Smart Term Plan is a non-linked, non-participating term insurance plan that offers flexibility to customize your plan and enhance coverage with accidental death Benefit.
With a maximum maturity age of 65 years, ICICI Pru POS iProtect Smart Term Plan comes with two plan options as Life Option and Life Plus Option.
Here are some key features of this plan:
Minimum Age - 18 years Maximum Age - 65 years
Maximum Maturity Age - 65 years
Minimum term - 5 years Maximum term - 40 years
Base sum assured: Subject to minimum premium to no limit.
The policy loan is not available under ICICI iprotect Smart Plan
Simgle, Regular, Limited
Let's understand how the ICICI Prudential iProtect Smart Plan work.
Mrs. Divyanshi Sinha a 35 year old Gurugram based marketing consultant, is looking for a term Insurance plan that offers inbuilt accidental death benefit coverage without adding additional rider.
Her brother suggests her to visit PolicyX.com to know these plans. PolicyX.com carefully analyzes all the details given by Mrs. Divyanshi and suggests she purchase the ICICI Pru iProtect Smart Plan.
Let us see a brief illustration of Mrs. Divyanshi's ICICI Pru iProtect Smart Term Insurance Plan.
| Age of policyholder | Annual premiums | Policy tenure | Premium payment term | Total premiums paid | Sum assured |
| 35 years | Rs 35,425 | 25 years | 25 years | Rs 885625 | Rs 75 Lakh |
Key Takeaways: Mrs. Divyanshi will be covered for up to the age of 25 years. In case of any unfortunate event her nominee will receive sum assured to Rs. 75 Lakhs.
Here are the benefits associated with the ICICI Prudential POS iProtect Smart
You can add the following riders to your ICICI Pru POS iProtect Smart:
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:
ICICI Pru POS iProtеct Smart is a flеxiblе and customizablе tеrm insurancе plan that offers two bеnеfit options: Lifе Option and Lifе Plus Option. It has sеvеral fеaturеs likе flеxiblе options whеn it comеs to paying thе prеmium, spеcial prеmium ratеs for womеn, tax bеnеfit, еtc.Thе plan also offеrs protеction for еarly dеath within thе first 60 days and givеs you thе choicе to bump up your covеragе through Accidеntal Dеath Bеnеfit. For more info related to this plan, you can contact PolicyX.com. Our certified insurance advisors works 24/7 to solve every possible query of yours.
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Daina is a content writer with a profound grasp of Insurance, Stocks, and Business domains. Her extensive 3-year experience in the insurance industry equips her with a nuanced understanding of its intricacies. Her skills extend to crafting blogs, articles, social media copies, video scripts, and website content. Her ability to simplify complex insurance concepts into reader-friendly content makes her an expert in the domain.
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