ICICI Pru iShield Term
- Combi Plan - Health & Life
- Family Cover
- Discounts for Non-Smokers
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ICICI Pru iShiled is a dual-benefit plan that gives both health & life insurance. Apart from life coverage, this policy offers coverage against health care expenses such as regular doctor consultations, hospitalisation, drugs, and preventative check-ups.
In case of unfortunate demise, this plan also pays a guaranteed death benefit to the nominee. ICICI Pru ishiled plan offers different coverage for both insurance types: for health insurance sum insured ranges between Rs.5 lakhs to Rs.20 lakhs and for life insurance sum assured ranges between Rs.50 lakhs to Rs.1 crore.
Here are some key features of this plan:
Minimum Age - 18 years Maximum Age - 60 years
Maximum Maturity Age - 85 years
Minimum term - 5 years Maximum term - 85 years
Base sum assured: 50 Lakhs to 1 crore
The policy loan is not available under ICICI i-shield plan.
Annual, half-yearly, quarterly & monthly
Let's understand how ICICI Pru iShield Term Plan works with a simple premium illustration.
Mr. Anubhav , a 35 year old Pune based doctor is looking for a health plan for his wife. While, going through the plans online he got to know about plans that offer dual benefit of health and term .
For the same, he visited PolicyX.com. PolicyX.com carefully analysed his query and suggested him to purchase the ICICI Pru i-Shield term insurance plan.
Let us see a brief illustration of Mr. Anubhav wives's ICICI Pru i-Shield term insurance plan
| Age of policyholder | Annual premiums | Premium payment mode | Policy tenure | Premium payment term | Total premiums paid | Sum assured for Life | Sum assured for Health |
| 40 years | Rs 30,876 | Annually | 20 years | 20 years | Rs 617520 | Rs 1 crore | Rs 20 lakh |
Key Takeaways: Mr. Anubhav's wife will be covered untill the age of 60 years. In case of any hospitilzation she has the cover of Rs. 20 lakhs along with life cover of Rs. 1 crore.
Here are the benefits associated with the ICICI Pru iShield Term
You can add the following riders to your ICICI PruiShield 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.
Here is the list of exclusions associated with the plan:
With ICICI PruiShield Term Plan, You can get comprehensive coverage for both health and life insurance. If you need a plan that offers pre and post hospitilization or complementry check ups along with life cover, ICICI Pru iShield term plan can be a good choice for you.
For more info related to this plan, you can visit PolicyX.com, or call us at 1800 - 420 - 0269. Our insurance experts listen to your unique needs and suggest the best possible solution for you.
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Bindiya is a seasoned content writer specializing in keeping readers acquainted with the insurance industry, term insurance developments, and life insurance sector shifts. With an experience of 3 years in insurance, Bindiya ensures that her readers stay well informed with the insurance developments and factually correct information.
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