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The ICICI Pru iProtect Super Plan is a pure-term insurance plan designed to meet the unique needs of India's self-employed individuals. With innovative features like premium breaks, smart exit options, and simplified income verification, this plan provides flexible and comprehensive coverage. High protection at affordable premiums ensures financial security for you and your loved ones.
#All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply
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Specifically designed for self-employed individuals with flexible eligibility criteria, addressing a largely underserved segment.
Offers a Sum Assured of Rs. 1 Crore, ensuring comprehensive financial protection for policyholders and their families.
Unique features like premium breaks and refunds of premiums paid provide unmatched flexibility at no extra cost.
Eliminates the need for traditional income proofs with a streamlined digital verification process, making it easy to access.
Enjoy a 15% lifetime discount for female customers, a 7% loyalty discount for existing customers, a 5% discount for online purchases, and 8% for select city locations.
Term Plans
| Parameters | Minimum | Maximum |
| Entry Age | 18 years | 45 years |
| Sum Assured (in R.) | 50 Lakhs | 1 Crore |
| Education Qualifications | Graduate | |
| Annual Income | Rs. 5 Lakhs for SA up to 50 Lakhs Rs. 8 Lakhs for SA above 50 lacs up to 1 cr |
|
| Profiles Allowed | Self Employed or Professionals only | |
ICICI Pru iProtect Super Plan offers unique features and benefits, making it one of the most flexible and inclusive protection plans. Here are the key benefits of this plan:
Flexible-Premium Breaks:
Policyholders can defer premium payments for a year without losing coverage, allowing them to manage finances effectively during unforeseen circumstances.
Smart Exit Benefit:
Provides the option to surrender the policy during a pre-defined period and receive all premiums paid back (excluding taxes). This feature is available at no additional cost, ensuring peace of mind.
Comprehensive Protection Options:
Includes accidental disability and death riders, offering enhanced coverage for unforeseen events and ensuring holistic financial security.
Exclusive Discounts:
Enjoy lifetime discounts for female customers, loyalty discounts for existing customers, and additional savings for online purchases and specific regions.
Simplified Income Verification:
Digital income verification eliminates traditional proof like ITRs, making the plan accessible to a larger self-employed demographic.
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₹1 CRORE
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Get an online discount of upto 15%#
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The ICICI Pru iProtect Super Plan allows policyholders to enhance their coverage with optional riders, offering a comprehensive protection package tailored to individual needs:
Accidental Death Rider:
Provides an additional payout in case of death due to an accident, ensuring extra financial security for your family.
Accidental Disability Rider:
Offers a lump sum benefit in case of permanent disability due to an accident, helping you manage medical costs and lifestyle adjustments.
For a 35-year-old male, non-smoker, residing in a non-top city, bought ICICI Pru iProtect Super Plan for 20 years. Let’s check the premium he/she needs to pay will be:
| Coverage Amount (Sum Assured) | Policy Term | Regular Premium (in Rs.) | Limited Pay-10 years (in Rs.) |
| 50 Lakhs | 20 years | 17,060 | 35,310 |
| 1 Crore | 20 years | 27,604 | 61,273 |
While the ICICI Pru iProtect Super Plan offers comprehensive coverage, there are specific scenarios and conditions where claims may not be admissible. These exclusions include:
Suicide Exclusion:
If the policyholder commits suicide within the first 12 months of the policy commencement or revival, only 80% of the premiums paid will be refunded, and no death benefit will be payable.
Note: You should also check the benefits of term life insurance if you are planning to purchase the term insurance plan.
˜Top 5 plans based on annualized premium for bookings made on https://www.policybazaar.com in the first 6 months of FY 24-25.
Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
+Rs. 487/month (Rs.16/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited
We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881
For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale
Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.
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+Rs. 820/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
+Rs. 1,443/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
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