iProtect smart future

Product Highlights


  • iProtect Smart

    Cover for 34 critical illnesses

    Get paid on first diagnosis of 34 critical illnesses ^ including cancer, heart attack & kidney failure. No bills needed #

  • Choice of Payment

    Choice of Payout Options

    You can choose to get the payout as a lump sum, regular income or as increasing income

  • Save Tax

    Save Tax

    Tax benefits up to ₹54,075~ u/s 80C & 80D as per Income Tax Act, 1961






* The premium has been calculated for a 30 year old healthy male for a life cover of ₹50 lakhs and an accelerated Critical Illness cover of ₹10 lakhs under ICICI Pru iProtect Smart – Life & Health option for a policy term of 20 years, for regular income payout option and is exclusive of all taxes. The annual premium rate is ₹6,320 (exclusive of all taxes)

^ The Critical Illness Benefit is accelerated and not an additional benefit which means, the policy will continue with the Death Benefit reduced by the extent of the Critical Illness Benefit paid.

# Medical documents confirming diagnosis to be submitted. To know more, please refer to the Sales brochure.

~ Tax benefit of ₹54,075 is calculated at highest tax slab rate of 30.9% (including Cess) on insurance premium of ₹1,50,000 u/s 80C/80CCC and health premium of ₹25,000 u/s 80D of the Income Tax Act, 1961. ADVT no: W/II/0370/2017-18

ICICI Prudential Life Insurance Company Limited. IRDAI Regn No. 105. CIN:L66010MH2000PLC127837. (c) 2016, ICICI Prudential Life Insurance Co. Ltd Registered Address: - ICICI PruLife Towers, 1089 Appasaheb Marathe Marg, Prabhadevi, Mumbai - 400025. For more details on the risk factors, term & conditions please read sales brochure carefully before concluding the sale. For more details about the product you can get in touch with our Customer Care Executives. To know the Customer Care number for your city please click here. Trade Logo displayed above belongs to ICICI Bank Ltd & Prudential IP services Ltd and used by ICICI Prudential Life Insurance Company Ltd under license. Tax benefits under the policy are subject to conditions under the provisions of the Income Tax Act, 1961. Goods and Services Tax and Cesses, if any, will be charged extra as per prevailing rates. The tax laws are subject to amendments from time to time.

ICICI Bank Limited ("ICICI Bank") with registered office at ICICI Bank Tower, Near Chakli Circle, Old Padra Road, Vadodara, 390 007, Gujarat is a corporate agent (Composite, COR no.: CA 0112 valid till 31/03/2019) of ICICI Prudential Life Insurance Company Limited ("ICICI Prulife") having its registered office at ICICI PruLife Towers, 1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai-400025. Insurance is underwritten by ICICI Prulife. ICICI Bank’s customer’s participation in the policy is entirely voluntary.

“The products, services and benefits referred to herein are subject to terms and conditions governing them as specified by ICICI Prulife from time to time. ICICI Bank is acting merely as a corporate agent of ICICI Prulife. Participation by ICICI Bank’s customer is on a purely voluntary basis and there is no direct or indirect linkage between the provision of the banking services offered by ICICI Bank to its customers and insurance company products/ services. ICICI Bank shall not be liable or responsible for any loss resulting from insurance company’s products/ services.”



IRDAI clarifies to public that

  • IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums
  • IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.