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ICICI Pru iProtect Smart
ICICI Pru iProtect Smart
  1. Insurance
  2. Term Plans
  3. IProtect Smart

Secure the life of your spouse, your children and yourself with the ICICI Pru iProtect Smart term life insurance plan

Explore different payout options in the event of unfortunate death
  • critical illnesses1 (optional)

  • different death payout options*

  • cover2 along with life and option to add accident benefits3

Additional details

Payout on diagnosis of critical illness (optional)

Get claim payout on first diagnosis of any of the covered 34 critical illnesses1

4 payout options

Choose from 4 payout options such as lump sum, income, increasing income, lump sum plus income.

Terminal illness cover

Get insurance moneys paid out before death or terminal illnesses including AIDS, whichever is earlier2

Optional accident benefit

Get option to add accidental benefit of your choice during or after purchase3
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1 Accelerated Critical Illness Benefit (ACI Benefit) is optional and available under Life & Health and All in One options. This benefit is payable, on first occurrence of any of the 34 illnesses covered. Medical documents confirming diagnosis of critical illness needs to be submitted. The benefit is payable only on the fulfillment of the definition of the diagnosed critical illness. The ACI Benefit, is accelerated and not an additional benefit which means the policy will continue with the Death Benefit reduced by the extent of the ACI Benefit paid. The future premiums payable under the policy will reduce proportionately. If ACI Benefit paid is equal to the Death Benefit, the policy will terminate on payment of the ACI Benefit. To know more in detail about ACI Benefit, terms & conditions governing it, kindly refer to sales brochure. ACI Benefit term would be equal to policy term or 30 years or (75-Age at entry), whichever is lower.

 

2 A Life Assured shall be regarded as Terminally Ill only if that Life Assured is diagnosed as suffering from a condition which, in the opinion of two independent medical practitioners’ specializing in treatment of such illness, is highly likely to lead to death within 6 months. The terminal illness must be diagnosed and confirmed by medical practitioners’ registered with the Indian Medical Association and approved by the insurance company. The insurance company reserves the right for independent assessment.

 

3 Accidental Death benefit (ADB) is up to Rs. 2 Crores(subject to underwriting guidelines). ADB is available in Life Plus and All in One options. In case of death due to an accident Accidental Death Benefit will be paid out in addition to Death Benefit. Accidental Death Benefit term will be equal to the policy term or (80-Age at entry), whichever is lower.

 

*Payout options include lump sum, income, increasing income and lump sum plus income.

 

Standard Chartered Bank, India having its corporate office at Crescenzo Building C-38/C-39 G Block, Bandra Kurla Complex, Bandra (East), Mumbai – 400051 is a licensed Corporate Agent of ICICI Prudential Life Insurance Company Limited (IRDA registration no. 105) for life insurance products vide license number CA0028.The benefits/ features of the products are indicative only. For more details on risk factors and terms and conditions, please read sales brochure carefully before concluding sale. Insurance is the subject matter of solicitation. Insurance is underwritten by ICICI Prudential Life Insurance Company Limited. Participation of the customers of Standard Chartered Bank in the policy is entirely voluntary.

 

The content of this webpage do not constitute a contract of insurance and reference should be made to the policy document for the exact terms and conditions applicable to the insurance policy. All insurance products described in this webpage are products of and underwritten by ICICI Prudential Life Insurance company Limited and not Standard Chartered Bank, India. In facilitating insurance arrangements, the Bank is acting as a corporate agent of the insurer and not as an agent for customers. This webpage is being distributed for general information only. This webpage has not been prepared for any particular person or class of persons and it has been prepared without regard to the specific investment or insurance objectives, financial situation or particular needs of any person.

 

ICICI Prudential Life Insurance Company Limited – ICICI Pru Life Towers, 1089 Appasaheb Marathe Marg, Prabhadevi, Mumbai – 400 025. IRDA Registration No.105.
CIN:L66010MH2000PLC127837. Phone: 1-860-266-7766 (10am-7pm, Monday to Saturday, except national holidays and valid only for calls made from India) UIN: 105N151V06

ADVT NO: W/II/2696/2020-21

 

BEWARE OF SPURIOUS/ FRAUD PHONE CALLS!
IRDAI  is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.