ICICI Pru iProtect Smart Her: Term Insurance for Women

ICICI Prudential Life Insurance has launched ‘ICICI Pru iProtect Smart Her’, a new term insurance plan specifically designed to support women through different life stages. This plan combines life protection with unique health and wellness benefits, offering a thoughtful approach to your financial security.

This innovative product aims to address your evolving financial and healthcare needs. It integrates traditional life coverage with a range of women-centric features, making it a comprehensive option to consider for your future.

Key Benefits at a Glance

• A 15% lifetime discount on premiums for women.
• Wellness services and health management valued at up to ₹25,000.
• Child Education Care option with annual payouts increasing by 10% each year.
• Total potential benefits associated with the product can reach ₹92,100.

One standout feature is the ‘pregnancy break benefit’, which gives you crucial flexibility in managing premium payments. This can be especially helpful during pregnancy and the early stages of parenthood when income or household finances might temporarily shift.

Supporting Your Well-being

• Teleconsultations across different medical specialties.
• Annual health check-ups.
• Health risk assessments.
• Wellness information.
• Discounts on pharmacy and diagnostic services.

For those planning ahead, the ‘Child Education Care’ option allows the death benefit to be disbursed as an increasing stream of income over 10 years. This structured payout helps support your child’s education and future expenses, with payouts growing annually.

While these benefits sound promising, it’s always smart to thoroughly evaluate the actual life cover, premium amount, policy duration, and any exclusions or conditions. Make sure the plan truly provides adequate financial protection for your dependents and aligns with your long-term goals, viewing the wellness services as a valuable addition rather than the primary focus.