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ICICI Pru iProtect Care is a term life insurance plan designed to provide financial protection to the family of the life assured. The plan provides a death benefit during the policy term and a terminal illness benefit according to the policy definition. It also includes health management and well-being services while the policy remains in force and applicable premiums are paid.
Life cover, terminal illness benefit, health services and optional riders
iProtect Care combines term life protection with selected in-built benefits such as a premium-break option and health management services. Eligible policies with life cover of at least ₹1 crore may qualify for an instant claim-intimation payout of up to ₹3 lakh, subject to the insurer’s conditions. Critical illness and accidental death benefits are optional and may involve additional premiums. Buyers should check the latest brochure, eligibility rules, exclusions and personalised quotation before purchasing.
ICICI Prudential Life
Key Insights
Founded
2001
ICICI Prudential Life was established 25 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
99.34% CSR, calculated as a 3-year average
ICICI Prudential Life settles 99.34% of all claims it receives, demonstrating strong credibility.
Contact Details
1800 2660
Headquarters: ICICI Prulife Towers, 1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai, Maharashtra 400025, India
Provides a death benefit to the nominee if the life assured dies during the policy term.
The payable benefit is governed by the policy schedule and wording.
Pays the applicable accelerated death benefit when terminal illness meets the policy definition.
This is an accelerated benefit, not necessarily an additional amount on top of the death benefit.
Provides access to eligible health management and well-being services through the insurer’s customer app.
Services are subject to policy-in-force requirements and service terms.
Allows eligible policyholders to defer premiums for a specified 12-month period.
Deferred premiums remain payable under the applicable policy conditions.
Eligible policies with life cover of at least ₹1 crore may qualify for an initial payout of up to ₹3 lakh following claim registration.
Subject to the insurer’s claim-intimation requirements and conditions.
Optional rider benefit for the first occurrence of a covered critical illness that meets the defined diagnosis criteria.
Optional; covered illnesses and limits depend on the selected rider variant.
Optional additional benefit for eligible deaths caused by an accident.
Requires the relevant rider and is subject to its terms and limits.
Conditions or treatments that the policy clearly says it will not cover.
Insurer
ICICI Prudential Life plans and claim process
It is a term life insurance plan offering life protection along with in-built health and well-being services and specified policy benefits.
Yes, eligible policyholders can access in-built health management and well-being services subject to the policy being in force and the service terms.
Eligible policyholders may defer premiums for 12 months. Deferred premiums must be paid according to the policy terms; this is not a premium waiver.
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 website before purchasing.
Official Website
iciciprulife.com
Visit the official ICICI Prudential Life website for plan brochures, premium quotes and policy services.
The aforementioned ratios have been averaged over three years (FY24-FY26)
No. The payout of up to ₹3 lakh is conditional and is described for eligible policies with life cover of at least ₹1 crore. Refer to the latest official terms.
Critical illness cover is an optional rider. Benefit payment depends on the selected rider, covered illness definitions and policy conditions.
An accidental death benefit may be added through the relevant rider, subject to eligibility, additional premium and rider terms.
The premium depends on age, cover amount, policy term, underwriting and selected options. Obtain a personalised quote from ICICI Prudential.
Check the latest official product brochure, policy wording, rider documents and personalised quotation. These documents govern eligibility, benefits, exclusions and claims.