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Life is unpredictable — but your family's financial security should never be. ICICI Pru iProtect Smart Plus – Lump Sum Payout is one of India’s most trusted and comprehensive term insurance plans designed to ensure that your loved ones remain financially protected even if life takes an unexpected turn.
This plan offers a single, guaranteed lump-sum payout to your nominees in case of the policyholder’s unfortunate demise, giving them complete financial stability when they need it the most.
This plan is ideal for individuals seeking maximum life cover at minimum cost, along with the convenience of one-time payout to their family for easy financial management.
Your family receives the entire sum assured as a one-time payment.
Ideal for:
While the Lump-Sum Payout is a primary benefit, the plan also gives flexibility to customize:
This ensures protection against the “3 biggest risks” — Death, Disease, and Disability.
You can choose to add a comprehensive Critical Illness benefit covering multiple major illnesses like:
The benefit amount is paid immediately upon diagnosis, helping you manage medical and lifestyle expenses.
Enhance your basic cover with an additional payout in case of accidental demise.
Example:
If your basic cover is ₹1 Crore and you add ₹50 Lakhs ADB, your family gets ₹1.5 Crores in case of accidental death.
If diagnosed with a terminal illness, the sum assured may be paid early, helping in managing treatment and personal needs.
Choose how you want to pay:
Ensures lifelong protection for your family — ideal for leaving behind a secure legacy.
Premiums paid qualify for deductions under relevant tax laws. Claim proceeds are also tax-free as per Section 10(10D), subject to conditions.
ICICI Pru iProtect Smart Plus – Lump Sum Payout is more than just an insurance plan — it is a promise of financial security. Whether you are a salaried professional, self-employed individual, or a parent looking to secure your family’s future, this plan gives you the assurance that your loved ones will always remain protected.
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Niva Bupa Health Insurance Company Limited is one of India's leading standalone health insurers (SAHI), headquartered in New Delhi and founded in 2008. The company was formerly known as Max Bupa Health Insurance Company Limited and was rebranded to Niva Bupa in 2021. Niva Bupa offers a wide range of health insurance products for individuals, families, senior citizens, and corporate employees.
