| Premium Payment Options | Premium Payment Term | Minimum/Maximum Policy Term | Minimum/Maximum age at entry |
|---|---|---|---|
| Single Pay* | Single | 5 years / 20 years | 18/65 |
| Regular Pay | Equal to policy term | 5 years / 85 years less age at entry | 18/65 |
| Whole Life (99 years less age at entry) | |||
| Limited Pay | 5, 7, PT- 5 years | 10 years / 85 years less age at entry | 18/55 |
| 10 years | 15 years / 85 years less age at entry | ||
| Whole Life (99 years less age at entry) | |||
| 60 years less age at entry | PPT+ 5 years / 85 years less age at entry | 18/55 | |
| Whole Life (99 years less age at entry) | |||
| Minimum Premium | 2,400 excluding applicable taxes such as Goods and Services tax and/or cesses | ||
| Accidental Death Benefit | Minimum: 1,00,000 Maximum: Equal to Sum Assured chosen by you, subject to a maximum limit as per the Board Approved Underwriting Policy Accidental death Benefit term will be equal to the policy term or (80-Age at entry), whichever is lower |
||
| Accelerated Critical Illness (ACI) Benefit | Minimum: 1,00,000 Maximum: As per the Board Approved Underwriting Policy. ACI Benefit is not available for Single Pay policies (ACI) Benefit ACI Benefit term would be equal to policy term or 30 years or (75-Age at entry), whichever is lower |
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| Minimum Sum Assured | Subject to the minimum premium | ||
| Maximum Sum Assured | Unlimited | ||
| Mode of Premium Payment | Single, Yearly, Half-yearly and Monthly | ||
| Benefit Option | Benefits |
|---|---|
| Life | Death Benefit + Terminal Illness + Waiver of Premium on permanent disability |
| Life Plus | Death Benefit + Terminal Illness + Waiver of Premium on permanent disability + Accidental Death Benefit |
| Life & Health | Death Benefit + Terminal Illness + Waiver of Premium on permanent disability + Accelerated Critical Illness Benefit |
| All in One | Death Benefit + Terminal Illness + Waiver of Premium on permanent disability + Accidental Death Benefit + Accelerated Critical Illness Benefit |
| Critical Illness | Categories |
|---|---|
| Cancer of specified severity | Cancer |
| Angioplasty* | Heart and Artery Benefit |
| Myocardial Infarction (First Heart Attack - of specified severity) | Heart and Artery Benefit |
| Heart Valve Surgery (Open Heart Replacement or repair of Heart Valves) | Heart and Artery Benefit |
| Surgery to aorta Heart and Artery Benefit | Heart and Artery Benefit |
| Cardiomyopathy | Heart and Artery Benefit |
| Primary (Idiopathic) Pulmonary hypertension | Heart and Artery Benefit |
| Open Chest CABG | Heart and Artery Benefit |
| Blindness | Major Organ Benefit |
| End stage Lung Failure (Chronic Lung Disease) | Major Organ Benefit |
| End stage Liver Failure (Chronic Liver disease) Major Organ Benefit | Major Organ Benefit |
| Kidney Failure Requiring Regular Dialysis | Major Organ Benefit |
| Major Organ/ Bone Marrow Transplant | Major Organ Benefit |
| Apallic Syndrome | Brain and Nervous System Benefit |
| Benign Brain Tumour | Brain and Nervous System Benefit |
| Brain Surgery | Brain and Nervous System Benefit |
| Coma of specified Severity | Brain and Nervous System Benefit |
| Major Head Trauma | Brain and Nervous System Benefit |
| Permanent Paralysis of Limbs | Brain and Nervous System Benefit |
| Stroke resulting in permanent symptoms Brain and Nervous System Benefit | Brain and Nervous System Benefit |
| Alzheimer's Disease | Brain and Nervous System Benefit |
| Motor Neurone Disease with Permanent Symptoms | Brain and Nervous System Benefit |
| Multiple Sclerosis with Persisting Symptoms | Brain and Nervous System Benefit |
| Muscular Dystrophy | Brain and Nervous System Benefit |
| Parkinson’s Disease | Brain and Nervous System Benefit |
| Poliomyelitis | Brain and Nervous System Benefit |
| Loss of Independent Existence | Others |
| Loss of Limbs | Others |
| Deafness | Others |
| Loss of Speech Others | Others |
| Medullary Cystic Disease | Others |
| Systematic lupus Eryth with Renal Involvement | Others |
| Third degree Burns (Major Burns) | Others |
| Aplastic Anaemia | Others |
Review ICICI Prudential iProtect Smart Insurance brochure to understand coverage details.
Know more »Review ICICI Prudential iProtect Smart Insurance policy wordings which explains the terms and conditions.
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