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ICICI Prudential Insurance plans

Smart Health Cover Insurance

Key benefits

  • Extensive protection against 34 Critical Illness, Disability, Terminal Illness and Death
  • No increase in premium as you grow older
  • Payout on first diagnosis of any of the covered Critical illnesses
  • Longer term coverage up to 30 years available
  • Tax Benefits u/s 80C and 80D of the Income Tax Act, 1961

Key benefits for women

  • Special premium rates
  • Covers female organ cancers, such as breast and cervical cancer
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ICICI Prudential Life insurance review

ICICI Prudential Life
Branches In India
517
Entry Age Minimum/Maximum (Years) - Term Plans
18/65
Sum Assured Minimum / Maximum - Term Plans
50 lacs / 100 cr
Policy Term Minimum / Maximum (Years) - Terms Plans
5years/ 85years and also we have whole life option
Solvency Ratio *
217% (2.17)
Death Claims Settled from 2002 till now
₹ 95.48 billion
Number of Lives Covered**
2133682
Claims Settlement Ratio ***
97.90%
Claim Settlement Time
1.4 days
13 months Persistency Ratio
87.10%
* - As per IRDAI data 2020-21 - The solvency ratio of an insurance company is the size of its capital relative to all the risk it has taken, which is all liabilities subtracted from total assets. In other words, solvency is a measurement of how much the company has in assets versus how much it owes
** - as per L-25 Public Disclosure of Insurance Companies for 2020-21  |  *** - Claims Settlement Ratio = Claims Settled in the year / Claims Reported in the year - as per IRDAI data published

Smart Health Cover Insurance overview

  • Key benefits for women
  • Benefits in detail
  • Covered Critical Illnesses
  • Eligibility

Key benefits for women Smart Health Cover Insurance

  • Special premium rates
  • Covers female organ cancers, such as breast and cervical cancer

Critical Illness Benefit of Smart Health Cover Insurance

On the first occurrence of any of the covered 34 critical illnesses, this benefit is payable.

Pay - out on Death or Diagnosis of Terminal Illness Sum Assured will be paid out on:
  • Death of the Life Assured, or
  • Diagnosis of Terminal Illness
The policy will terminate on payment of this benefit.

Waiver of premium on Permanent disability due to accident On diagnosis of Permanent Disability due to accident, while the policy is in force, all future premiums for all benefits under the policy are waived.

Covered critical illnesses of Smart Health Cover Insurance

Critical Illnesses Categories
Cancer of specified severity Cancer
Angioplasty Heart and Artery Benefit
Heart Attack
Heart Valve Surgery
Surgery to aorta
Cardiomyopathy
Primary Pulmonary hypertension
CABG
Blindness Major Organ Benefit
Chronic Lung Disease
Chronic liver disease
Kidney Failure
Major Organ/ Bone Marrow Transplant
Apallic Syndrome Brain and Nervous System Benefit
Benign Brain Tumour
Brain Surgery
Coma
Major Head Trauma
Permanent Paralysis of Limbs
Stroke resulting in permanent symptoms
Alzheimer's Disease
Motor Neurone Disease with Permanent Symptoms
Multiple Sclerosis with Persisting Symptoms
Muscular Dystrophy
Parkinson’s Disease
Poliomyelitis
Loss of Independent Existence Others
Loss of Limbs
Deafness
Loss of Speech
Medullary Cystic Disease
Systematic lupus Eryth. w. Renal Involvement
Major Burns
Aplastic Anaemia

Eligibility conditions of Smart Health Cover Insurance

Minimum / Maximum age at entry 18 / 50 years
Minimum / Maximum Policy Term 10 / 30 years
Mode of Premium Payment Yearly
Maximum Sum Assured 25,00,000

Brochure

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Policy wordings

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    710, 6th B Cross, 16th Main Road, Koramangala 3rd Block, Bangalore - 560 034.

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025