The Great: Features That Set It Apart

The Good: Value-Added Benefits

The Gaps: Considerations

If diagnosed with a terminal illness, receive a lump sum of up to Sum Insured to help manage medical expenses and treatment costs

After the 29th policy year, you can exit the plan without paying additional premiums, with all liabilities covered and the premiums paid will be returned. (Not available in the last 5 years of the policy term.)

After the 29th policy year and once you reach 60, you can exit the plan without paying additional premiums, with all liabilities covered, and twice the premiums paid will be returned. This option is only available for limited pay policies and is not available in the last 5 years of the policy term.

If the insured is diagnosed with permanent disability due to an accident, future premiums are waived while the coverage continues. Just inform the insurer to activate this benefit.

Receive a lump sum payout of up to ₹1 crore upon the first diagnosis of any of 34 listed critical illnesses. (Excludes the first 180 days, and not available after 30 policy years or age 75.)

If the Insured passes away due to an accident, the nominee receives an additional Sum Insured. The benefit is automatically activated upon claim intimation.

Amit Patel

iPru iProtect Smart – All in One Option offers comprehensive coverage with benefits like Terminal Illness and Accelerated Critical Illness covers, providing lump sum payouts for critical health conditions. It also features Smart Exit Options after 29 years, with the ability to exit without additional premiums and receive premium returns or doubles. Additional benefits include Waiver of Premium for permanent disability and Accidental Death Benefit. However, there is no immediate payout upon claim intimation, and loans are not available under the plan.

ICICI Prudential iProtect Smart Plan – All in One

Reliable protection with flexible options