ICICI Pru iProtect Smart

ICICI Pru iProtect Smart

FREQUENTLY ASKED QUESTIONS ABOUT iProtect Smart

At what age can I start this plan?

You can start this plan from the age of 18. But, the maximum age should not exceed 60 years.

How old should I be when the plan ends?

Your minimum age when the plan ends should be 23 years and the maximum age should not exceed 75 years.

How long does the policy last?

Benefit Option Regular Pay Limited Pay One Pay
Life 5 – 40 years 10 – 40 years 5 – 20 years
Life Plus 5 – 40 years 10 – 40 years 5 – 20 years
Life & Health 5 – 30 years 10 – 30 years Not applicable
All-in-one 5 – 30 years 10 – 30 years Not applicable

Can I pay the premium yearly, half-yearly or monthly?

Yes, you can pay premiums either yearly, half-yearly or monthly.

How many years do I have to pay premiums for?

You can choose to pay the premium once, for a limited period of 5 years, or throughout the policy term.

How much premium do I have to pay?

The premium will depend on the Life Cover amount and other Benefit Options you choose. It starts from `2,400 per annum excluding service tax and cesses as applicable for Life Option.

How much money will my family receive in case of death due to an accident?

Your family will receive the combined lump sum amount of Life Cover + Accident Cover chosen by you.*

How much Critical Illness@ Benefit can I choose?

The minimum Critical Illness Benefit you can choose is `1 lakh. The maximum benefit will be up to the basic Life Cover subject to maximum of `1 crore, as per the company policy.

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