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Best Digital Experience — Fast Online Approval
ICICI Prudential Life Insurance is a joint venture between ICICI Bank and Prudential plc. iProtect Smart offers 99.3% claim settlement with the best digital experience and fastest online approval in the industry.
3 plans available — compare coverage, premium, and key features.
Best digital term insurance in India — buy in under 10 minutes, manage on app, file claims online. 99.3% claim settlement.
Key Features
Get 100% of all premiums back if you outlive the policy term — guaranteed return with life protection.
Coverage up to age 99 — ensures your family is always protected regardless of when you pass away.
Step-by-step claim process for ICICI Prudential Life Insurance.
File claim at iciciprulife.com or via the ICICI Pru Life app. Fastest online claim initiation in the industry.
Upload all documents on the app — death certificate, policy, nominee KYC. No physical submission needed.
ICICI Prudential uses AI to validate documents and process claims. Most straightforward claims settled within 10 working days.
Claim credited directly to nominee's ICICI Bank or any other bank account within 5 working days of approval.
ICICI Prudential's iProtect Smart has the best app and online experience in term insurance. Fast approval, multiple rider options, and ICICI Bank integration make it ideal for tech-savvy buyers.
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iProtect Smart can be purchased in under 10 minutes online at iciciprulife.com — no agent, no branch visit, no paperwork. Instant policy document on email.
Yes — iProtect Smart covers 34 critical illnesses. On diagnosis, you receive a lump sum payout and future premiums are waived, allowing you to focus on recovery.
ICICI Prudential has a claim settlement ratio of 99.3% as per IRDAI Annual Reports.
Yes — ICICI Bank account holders get seamless payment integration and may receive preferential underwriting for iProtect Smart.
iProtect Return of Premium returns 100% of all premiums paid if the policyholder survives the full term. It costs about 2x the regular premium but gives a guaranteed financial return.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official ICICI Prudential Life Insurance website before purchasing.
Key Features
Key Features