ICICI Pru iProtect Smart

Key features

• ✓Four plan variants: Life, Life Plus, Life & Health, All-in-One
• ✓Built-in Terminal Illness benefit (accelerated payout of full sum assured)
• ✓Built-in Waiver of Premium on permanent disability (180+ consecutive days)
• ✓Critical Illness benefit covers 34 major illnesses with no hospital bills required
• ✓Life Stage Benefit: increase cover at marriage (50% / max ₹50L) and childbirth (25% / max ₹25L per child, up to 2 children) without medical re-evaluation
• ✓Smart Exit Benefit — return of premiums (ex-rider/GST) after 25 years and age 60+
• ✓Insta payout of ₹3 Lakh on claim intimation
• ✓Whole Life cover option till age 99
• ✓Female lives — lifetime premium discount
• ✓Premium payment frequency: yearly, half-yearly, quarterly, monthly

What’s included

• ✓Death due to natural causes
• ✓Death due to illness (after waiting period)
• ✓Death due to accident
• ✓Terminal illness (built-in accelerated benefit)
• ✓Permanent disability — premium waiver (built-in)
• ✓Critical illness (optional rider — 34/20/60 illnesses depending on variant)
• ✓Accidental death (optional rider, up to ₹2 Cr)

What’s excluded

• ✕Suicide within 12 months of policy issuance/revival (80% of premiums paid or surrender value)
• ✕Death due to intoxication / alcohol / drug abuse
• ✕Death from undisclosed pre-existing conditions
• ✕Death from participation in criminal/illegal activities
• ✕Death from war, civil commotion, or invasion
• ✕Death from hazardous/adventure sports (unless disclosed and accepted)

Eligibility

Min age

18 years

Max age

99 years

Max entry age

65 years

Covers

Self

Policy term

5 years – Whole Life (cover up to age 99)

Life cover

₹50 Lakh – No upper limit (subject to underwriting)