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ICICI Pru iProtect Smart is a term life insurance plan designed to provide financial protection to the policyholder’s family. The nominee can receive the applicable life cover benefit if the insured dies during the policy term, subject to policy conditions. The plan also includes a terminal illness benefit under its stated terms.
Life cover with optional critical illness and accidental death benefits
iProtect Smart offers a choice of protection options, allowing customers to select benefits according to their needs. Accidental death and critical illness benefits are optional and depend on the selected option. Buyers should compare the premium, policy term, exclusions and benefit definitions in the latest official brochure 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 the applicable death benefit to the nominee if the insured dies during the policy term.
Benefit amount and payout are governed by the policy schedule and wording.
A benefit may be payable on diagnosis of terminal illness as defined by the insurer’s policy terms.
Refer to the latest policy wording for the diagnosis criteria.
Future premiums are waived in case of qualifying permanent disability caused by an accident, subject to the policy conditions.
Check the policy definition and qualifying criteria.
An additional benefit may be payable to the nominee if death occurs due to an accident under an eligible selected option.
Optional; availability and limits are subject to underwriting and policy terms.
Provides a benefit on the first occurrence of a covered critical illness when the diagnosis meets the policy definition.
Optional; the benefit may reduce the remaining life cover. Check the current brochure.
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 that provides life protection during the policy term, subject to the policy conditions.
Critical illness cover is an optional benefit available under eligible benefit options. Covered illnesses and claim conditions are defined in the policy wording.
An accidental death benefit is available under eligible options when selected. Check the current brochure for limits and conditions.
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)
The standard iProtect Smart plan is a pure-risk term insurance product and generally does not provide a maturity payout. Verify the specific product version and option before buying.
The premium depends on factors such as age, chosen life cover, policy term, underwriting and selected benefits. Obtain a personalised quotation from ICICI Prudential.
If the optional benefit is selected and the diagnosis meets the policy definition, a critical illness benefit may be payable. The remaining life cover and future premiums may be adjusted according to the policy terms.
Refer to the latest official product brochure, policy wording and personalised quotation. These documents govern eligibility, exclusions, benefits and claim conditions.