ICICI Pru iProtect Smart

with Renal Involvement Persisting Symptoms

The Power of 5:
Disability Benefit:
1. Disability In this benefit, in case of permanent
2. Death Benefit disability due to an accident, all future
premiums will be borne by the company
3. Accidental Death and the life cover stays intact.
4. Critical Illness
5. Income benefit Death Benefit:
Lump Sum: The entire benefit amount is
Unlike Other insurance product ICICI payable as a lump sum.
Regular Income: 10% of the benefit amount
iProtect gives 3 benefits in One. i.e.
is payable every year for 10 years. This will
Payment on i) Diagnosis of Terminal be paid in equal monthly instalments in
Illness. ii) Death of the life assured & iii) advance at the rate of 0.8333% of total
Waiver of Premium on Disability due to benefit amount. The beneficiary can also
Accidents. advance the first year’s income as lumpsum.
The monthly income will start from the
Accidental Death Benefit: subsequent month for 9 years at the rate of
 Get 2 x Sum assured on death due to 0.80% of the total benefit amount.
accident Increasing Income: The benefit amount is
 Accident Death Benefit now available upto payable in monthly installments for 10 years
2 crore!!! starting with 10% of the benefit amount per
 Enhanced protection at a nominal cost annum in the first year. The income amount
will be increased by 10% per annum simple
Critical Illness:
interest every year thereafter
Cancer of specified First Heart Attack – of Lump Sum + Income: In this benefit, you
severity Specified Severity have the flexibility to split the life cover
Angioplasty Cardiomyopathy
amount that you want your nominee to
Open Heart Surgery to aorta Heart
receive as lumpsum and the remaining life
Replacement and Artery Benefit
Primary Pulmonary Major Organ/ Bone cover will be paid in equal monthly
hypertension Marrow Transplant payments for 10 years.
Open Chest CABG Major Organ Benefit
Chronic Lung Disease Chronic liver disease
Kidney Failure Motor Neurone Disease Benefits Life Life Life & All in
Requiring Regular with Permanent Plus Health One
Dialysis Symptoms 1)Death +
Blindness Apallic Syndrome 2)Terminal
Benign Brain Tumour Alzheimer’s disease illness +
Brain Surgery Major Head Trauma
 Loss of Independent Permanent Paralysis of
3)Waiver of
Existence Limbs Premium on
 Muscular Dystrophy  Parkinson’s disease Disability
 Poliomyelitis Deafness 4) Accidental
Loss of Limbs  Loss of Speech Death
 Others Medullary  Brain and Nervous
Cystic Disease System Benefit 5) Critical
 Major Burns  Aplastic Anaemia Illness
 Coma of specified  Stroke resulting in
Severity permanent symptoms
 Systematic lupus Eryth  Multiple Sclerosis with