ICICI Pru iProtect Smart Term Plan
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varun saxena
Written By:
varun

varun saxena

Term & Life Insurance

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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Reviewed By:
Priya Singh

Priya Singh

Health, Life & Term Insurance

Priya has been in the content writing industry for over 9 years. She has been religiously following the insurance sector since the start of her career which makes her an avid insurance expert. Her forte lies in health, term, and life insurance writing, along with her knowledge of the latest developments in the insurance sector.

Himanshu Kumar

Himanshu Kumar

Term Insurance, Content Writer

Content Manager with heart, mind, and soul dedicated to creating impactful content that exceeds the market standard, delivers and reaches the readers conveniently. Besides producing high-ranking content, my focus lies in creating content that solves user queries and adds value.

Himanshu Kumar

Written By: Himanshu Kumar

Updated on Jan 15, 2025

Himanshu Kumar

Anchita Bhattacharyya

Term Insurance, Content Manager

Content Manager with heart, mind, and soul dedicated to creating impactful content that exceeds the market standard, delivers and reaches the readers conveniently. Besides producing high-ranking content, my focus lies in creating content that solves user queries and adds value.

Reviewed By: Anchita Bhattacharyya

15 min read

Rhishabh Garg
Written By: Rhishabh Garg
Rhishabh Garg
Rhishabh Garg Term Insurance Head
Rhishabh Garg is the Business Unit Head of Term Insurance at Policybazaar.com. He has over 10 years of experience and currently plays a crucial role in shaping the future of term insurance in the company. Rhishabh also has experience in customer services and crafts new strategies for organizational success, one of which is Policybazaar’s claim assistance program.
Santosh Agrawal
Reviewed By: Santosh Agrawal
Santosh Agrawal
Santosh AgrawalChief Business Officer
Santosh Agarwal is the Chief Business Officer of life Insurance at Policybazaar.com and has over a decade of experience in the insurance domain. She has helped shape Policybazaar's life insurance vertical and ensures the effective execution of the company's overall strategy. Santosh is also responsible for the Term Insurance for Women domain at Policybazaar.com and educates the masses about its importance and benefits.

ICICI Pru iProtect Smart Term Plan

ICICI Pru iProtect Smart Term Plan is a non-linked pure-term insurance plan. This plan provides advanced protection by offering comprehensive coverage against the 34 listed critical illnesses. Whether you are a salaried employee or a business owner this plan offers the flexibility to pay premium.

With ICICI Pru iProtect Smart, you can choose how the death benefit will be payable to the nominee such as you can choose from either lumpsum or lumpsom+ Regular Income payout.

ICICI Pru i-Protect Smart offers you a range of benefits including:

why-choose
  • Whole life coverage
  • Critical Illness cover
  • Affordable premiums
  • Four payout options
  • Accidental disability cover
  • Low premium rates for women and non-smokers

Eligibility Criteria for ICICI Pru iProtect Smart Term Plan

Your Occupation

Entry age

Minimum Age - 18 years Maximum Age - 65 years

Mukhyamantri Amrutam Yojana

Maturity age

Maximum Maturity Age - 100 years

Your Gender

Policy term

Minimum term - 5 years Maximum term - 99 years

Maternity Benefit Rider

Sum assured

Min:Subject to the minimum premium Max: Unlimited

Dr YSR Aarogyasri Trust

Policy loan

The policy loan is not available under ICICI Pru iprotect smart

Maternity Benefit Rider

Payment modes

Annual, half-yearly, quarterly & monthly

How Does ICICI Pru i-Protect Smart Work?

Let's understand how the ICICI Pru i-Protect Smart term plan works with a simple premium illustration.

Why Buy Term Insurance Online?

Problem

Mrs. Priyanka Singh, a 34-year-old Pune-based Architect is looking for a term plan that gives life cover including inbuilt critical illness benefits.

Solution

She visited PolicyX.com to learn more about term insurance with critical illness coverage. PolicyX.com advisors carefully understand her query and suggest to purchase ICICI Pru i-Protect Smart.

Let us see a brief illustration of Priyanka's ICICI Pru i-Protect Smart

Age of policyholder Annual premiums Premium payment mode Policy tenure Premium payment term Total premiums paid Sum assured
34 years Rs 11,987 Annually 25 years 25 years Rs 299675 Rs 50 lakhs

Key Takeaways: Mrs. Priyanka singh will be covered untill the age of 59 years. In case of any unfortunate demise during policy term, her nominee will receive sum assured equal to Rs.50 lakhs.

Benefits of ICICI Pru iProtect Smart Term Plan

Here are the benefits associated with the ICICI Pru iProtect Smart Term Plan

 

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Riders Associated with ICICI Pru iProtect Smart Plan

You can add the following riders to your ICICI Pru iProtect Smart Plan:

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.

Features of ICICI Pru iProtect Smart Term Plan

Economical Term Plan

ICICI i-Protect Smart term insurance plan comes with economical premiums. You can opt for a 1 Crore life cover starting with just Rs. 976/- month.

Whole Life Coverage

ICICI iProtect Smart term plan gives whole-life coverage. You can get covered till the age of 85 and you also have the option to get your whole life covered till age 99.

Four Payout Options

This plan offers four different payout options to receive death benefit. You can choose from a lump sum or regular income or a lump sum plus regular income payout as a death benefit.

Critical Illness Cover

This plan offers inbuilt protection for 34 listed critical illnesses. You can get an instant payout only by uploading a relevant diagnosis report.

Exclusions of ICICI Pru iProtect Smart Plan

Here is the list of exclusions associated with the plan:

  • Death occurred due to a pandemic is not covered by the company.
  • Death caused due to any type of adventure sports.
  • Death by consumption of any type of drugs and alcohol.
  • Death due to any pre-existing disease that isn't mentioned during the start of the policy.
  • f a policyholder commits suicide within first 12 months of purchasing the policy, then no death benefits are paid to their nominee. Either premiums paid to date or the surrender value of the policy whichever is higher is paid to them.

Conclusion

ICICI Pru iProtect Smart Plan offers comprehensive coverage to the policyholders. Whether you need, inbuilt critical illness coverage or accidental death benefit coverage with the ICICI Pru iprotect Plan you can get all cover under the same plan. In case, you still have any doubts regrading this plan, you can contact PolicyX.com. Our advisors work 24/7 to solve every possible query of you.

Explore other ICICI Term Insurance

ICICI Term Insurance offers one of the best term insurance plans to cater to the unique needs of every customer. You can buy their term plans with high life cover at pocket-friendly costs. Get a 5% discount for online purchases and 100% claim assistance with ICICI Term Insurance plans. Below is the list of term plans offered by ICICI Term.

iProtect Super Term Plan by ICICI Prudential Life Insurance is an exclusive term insurance plan for self-employed individuals or business owners. This...

Unique Features

  • Term Plan for Self-employed
  • Premium Break Option
  • Smart Exit Benefit

ICICI Pru iProtect Super Term Plan (Pros)

ICICI Pru iProtect Super Term Plan
  • Flexible Policy Tenure
  • Choice of Plan Option
  • Premium Break Option

ICICI Pru iProtect Super Term Plan (Cons)

ICICI Pru iProtect Super Term Plan
  • 1 year WP for suicide
  • No policy loan
  • No pre-existing illness cover

ICICI Pru iProtect Super Term Plan (Other Benefits)

ICICI Pru iProtect Super Term Plan
  • Death Benefits
  • Tax Benefits
  • Smart Exit Value

ICICI Pru iProtect Super Term Plan (Eligibility Criteria)

ICICI Pru iProtect Super Term Plan
  • Entry age - 18 years
  • Max entry age - 55 years
  • Min sum assured - Rs 50 lakhs
  • Max maturity age - 85 years
  • PPT - RP/SP/LP

ICICI Pru iProtect Return of Premium provides security to you and your loved ones against all such uncertainties of life that may pose a hurdle to you...

Unique Features

  • Maturity Benefit
  • Critical Illness Cover
  • Accidental Disability Cover

ICICI Prudential iProtect Return Of Premium (Pros)

ICICI Prudential iProtect Return Of Premium
  • Life stage cover
  • Critical illness
  • Return of premium

ICICI Prudential iProtect Return Of Premium (Cons)

ICICI Prudential iProtect Return Of Premium
  • No policy loan
  • No Investment option
  • No Terminal illness benefit

ICICI Prudential iProtect Return Of Premium (Other Benefits)

ICICI Prudential iProtect Return Of Premium
  • Maturity benefit
  • Income benefit
  • Premium back

ICICI Prudential iProtect Return Of Premium (Eligibility Criteria)

ICICI Prudential iProtect Return Of Premium
  • Minimum entry age-18 years
  • Maximum entry age- 65 years
  • Minimum sum assured- As per plan
  • Minimum policy term-5 years
  • Maximum policy term- 20 years.

ICICI Pru Saral Jeevan Bima offers a simplified answer to your protection needs and ensures that your family leads a comfortable life without any fina...

Unique Features

  • Pure protection plan
  • Affordable premiums
  • Flexible options

ICICI Pru Saral Jeevan Bima (Pros)

ICICI Pru Saral Jeevan Bima
  • Affordable premiums
  • Flexible premium paying term
  • Maturity age upto the age 70 years.

ICICI Pru Saral Jeevan Bima (Cons)

ICICI Pru Saral Jeevan Bima
  • No Policy Loan
  • No Investment option
  • No Terminal illness benefit

ICICI Pru Saral Jeevan Bima (Other Benefits)

ICICI Pru Saral Jeevan Bima
  • Death benefit
  • No medical examination
  • Tax benefit

ICICI Pru Saral Jeevan Bima (Eligibility Criteria)

ICICI Pru Saral Jeevan Bima
  • Minimum entry age-18 years
  • Maximum entry age- 65 years
  • Maximum maturity age- 70 years
  • Minimum sum assured-5 Lac
  • Maximum sum assured-No limit

ICICI Pru Loan Protect is a non-participating term insurance plan offered by ICICI Pru Life Insurance Company. It provides life cover to individuals w...

Unique Features

  • Protection against mortgage
  • Protection against the car loan
  • Sum assured starts with 5 lacs

ICICI Pru Loan Protect (Pros)

ICICI Pru Loan Protect
  • Flexible PPT
  • Reducing Cover
  • Long term Policy term

ICICI Pru Loan Protect (Cons)

ICICI Pru Loan Protect
  • No policy loan
  • No Investment option
  • No Terminal illness benefit

ICICI Pru Loan Protect (Other Benefits)

ICICI Pru Loan Protect
  • Death Benefit
  • Tax Benefits
  • Surrender Benefit

ICICI Pru Loan Protect (Eligibility Criteria)

ICICI Pru Loan Protect
  • Minimum entry age-18 years
  • Maximum entry age- 65 years
  • Minimum sum assured- 5 Lac
  • Maximum sum assured- 30 Lac
  • Maximum policy term- 30 years.

ICICI Pru iProtect Smart Term Plan is a non-linked pure-term insurance plan. This plan provides advanced protection by offering comprehensive coverage...

Unique Features

  • Online Discounts
  • MWPA Enrolment Benefit
  • Waiver of Premium on Terminal Illness

ICICI Pru iProtect Smart Term Plan (Pros)

ICICI Pru iProtect Smart Term Plan
  • Accidental Death Option
  • Critical death option
  • 4 Plan option

ICICI Pru iProtect Smart Term Plan (Cons)

ICICI Pru iProtect Smart Term Plan
  • No policy loan
  • No Investment option
  • No Terminal illness benefit

ICICI Pru iProtect Smart Term Plan (Other Benefits)

ICICI Pru iProtect Smart Term Plan
  • Long Term Cover
  • Optional Covers
  • Add-on Benefits

ICICI Pru iProtect Smart Term Plan (Eligibility Criteria)

ICICI Pru iProtect Smart Term Plan
  • Minimum entry age-18 years
  • Maximum entry age- 65 years
  • Minimum sum assured- As per premium
  • Maximum sum assured- No limit
  • Maximum policy term- 99 years.

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...

Unique Features

  • Accidental Death cover
  • Affordable premiums
  • Tax benefit on premiums

ICICI Pru iCare II (Pros)

ICICI Pru iCare II
  • 2 Crore Accidental Death Benefit
  • One Pay & Single Pay Option
  • Unexpired Risk Premium Value

ICICI Pru iCare II (Cons)

ICICI Pru iCare II
  • No Maturity Benefit
  • No Loans Allowed
  • Death Due To Drugs

ICICI Pru iCare II (Other Benefits)

ICICI Pru iCare II
  • Suicide Cover
  • Tax Benefit
  • Affordable Plan

ICICI Pru iCare II (Eligibility Criteria)

ICICI Pru iCare II
  • Entry Age -18 Years
  • Max Entry Age- 65 Years
  • Minimum Sum Assured - Adaptable
  • Maximum Maturity Age - NA
  • Premium Payment Term - SP

Are you suffering from any pre-existing diseases? Then, getting a term plan might be difficult for you. But not anymore. ICICI Prudential’s Prec...

Unique Features

  • Covers pre-existing diseases
  • 5% loyalty discount
  • Accidental death benefit

ICICI Precious Life Term (Pros)

ICICI Precious Life Term
  • Covers pre existing conditions
  • Covers Cancer survivors
  • 5% loyalty discount

ICICI Precious Life Term (Cons)

ICICI Precious Life Term
  • No policy loan
  • No Investment option
  • No Terminal illness benefit

ICICI Precious Life Term (Other Benefits)

ICICI Precious Life Term
  • Death benefit
  • Accidental death benefit
  • Affordable Premiums

ICICI Precious Life Term (Eligibility Criteria)

ICICI Precious Life Term
  • Minimum entry age-18 years
  • Maximum entry age- 70 years
  • Minimum sum assured- 2 lakh
  • Maximum sum assured- No limit
  • Maximum policy term- 40 years.

ICICI Pru iShiled is a dual-benefit plan that gives both health & life insurance. Apart from life coverage, this policy offers coverage against he...

Unique Features

  • Combi Plan - Health & Life
  • Family Cover
  • Discounts for Non-Smokers

ICICI Pru iShield Term (Pros)

ICICI Pru iShield Term
  • Health+Life Combo
  • 5% online discount
  • Easy renewal

ICICI Pru iShield Term (Cons)

ICICI Pru iShield Term
  • No policy loan
  • No Investment option
  • No Terminal illness benefit

ICICI Pru iShield Term (Other Benefits)

ICICI Pru iShield Term
  • 5% online discount
  • waiver of premium
  • Tax benefit

ICICI Pru iShield Term (Eligibility Criteria)

ICICI Pru iShield Term
  • Minimum entry age-6 years
  • Maximum entry age- 65 years
  • Minimum sum assured- As per Premium
  • Maximum policy term- 99 years
  • Mode of premium- Single

ICICI Pru Life Raksha is a simple pure protection plan offering death benefits ranging from INR 50,000 to INR 5 lakhs. The plan is offered by ICICI Pr...

Unique Features

  • 18 Fund Options Available
  • 4 Plan Strategies
  • Systemic Withdrawal Option

ICICI Pru Life Raksha (Pros)

ICICI Pru Life Raksha
  • Five-Year Regular Pay
  • No medical examination
  • Tax benefits

ICICI Pru Life Raksha (Cons)

ICICI Pru Life Raksha
  • No policy loan
  • No Investment option
  • No Terminal illness benefit

ICICI Pru Life Raksha (Other Benefits)

ICICI Pru Life Raksha
  • Free look period
  • Grace Period
  • Short term plan

ICICI Pru Life Raksha (Eligibility Criteria)

ICICI Pru Life Raksha
  • Minimum entry age-18 years
  • Maximum entry age- 60 years
  • Minimum sum assured- 50
  • 000
  • Minimum policy term -5 years
  • Maximum policy term- 5 years.

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...

Unique Features

  • Death Benefit Options
  • Flexible Policy Terms
  • Life Cover Options

ICICI Pru Loan Protect Plus (Pros)

ICICI Pru Loan Protect Plus
  • Comprehensive coverage
  • Choice of coverage options
  • Flexible policy term

ICICI Pru Loan Protect Plus (Cons)

ICICI Pru Loan Protect Plus
  • No policy loan
  • No Investment option
  • No Terminal illness benefit

ICICI Pru Loan Protect Plus (Other Benefits)

ICICI Pru Loan Protect Plus
  • Death benefit
  • Reducing cover
  • Surrender benefit

ICICI Pru Loan Protect Plus (Eligibility Criteria)

ICICI Pru Loan Protect Plus
  • Minimum entry age-18 years
  • Maximum entry age- 65 years
  • Minimum sum assured- 5 lac
  • Minimum policy term -5 years
  • Maximum policy term- 30 years.

ICICI Pru Protect n Gain plan, stays true to its tagline, ''Growth Bhi Protection Bhi'' which means it provides dual benefits of protection and wealth...

Unique Features

  • 18 Fund Options Available
  • 4 Plan Strategies
  • Systemic Withdrawal Plan Option

ICICI Prudential Protect-n-Gain (Pros)

ICICI Prudential Protect-n-Gain
  • 18 Different funds
  • 4 Investment strategies
  • Top-up option

ICICI Prudential Protect-n-Gain (Cons)

ICICI Prudential Protect-n-Gain
  • No policy Loan
  • No guaranteed returns
  • Suicide cover after 12 month

ICICI Prudential Protect-n-Gain (Other Benefits)

ICICI Prudential Protect-n-Gain
  • Unlimited free switches
  • Tax benefit
  • Top up option

ICICI Prudential Protect-n-Gain (Eligibility Criteria)

ICICI Prudential Protect-n-Gain
  • Minimum entry age-18 years
  • Maximum entry age- 65 years
  • Minimum sum assured- 5 Lac
  • Maximum sum assured- No limit
  • Maximum Policy term-30 years

ICICI Pru POS iProtect Smart Term Plan is a non-linked, non-participating term insurance plan that offers flexibility to customize your plan and enhan...

Unique Features

  • 2 Plan Options
  • Waiting Period Protection
  • Accidental Death Benefit

ICICI Prudential POS iProtect Smart (Pros)

ICICI Prudential POS iProtect Smart
  • Life option
  • Life Plus Option
  • Premium discounts for women

ICICI Prudential POS iProtect Smart (Cons)

ICICI Prudential POS iProtect Smart
  • No policy loan
  • No Investment option
  • No Terminal illness benefit

ICICI Prudential POS iProtect Smart (Other Benefits)

ICICI Prudential POS iProtect Smart
  • Additional Accidеntal Dеath Bеnеfit
  • Special Premium rates
  • Tax benefit

ICICI Prudential POS iProtect Smart (Eligibility Criteria)

ICICI Prudential POS iProtect Smart
  • Minimum entry age-18 years
  • Maximum entry age- 60 years
  • Minimum sum assured- As per plan
  • Minimum policy term-5 years
  • Maximum policy term- 40 years.

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varun saxena

Written By: Varun Saxena

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.