ICICI Prudential iProtect Smart logo

ICICI Prudential iProtect Smart

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3.6/ 5
How we score
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INDIA’S FIRST UNBIASED, CONFLICT-FREE INSURANCE RATING
Overall Verdict

An excellent track record with respect to claims and service would mean that your family is very likely to get a smooth claim settlement experience. However, this plan doesn’t allow you to choose some important customizations such as increasing covers, and the critical illness rider is an accelerated one(paid as an advance from the base cover). Further, it is also considerably expensive compared to other products in the market.

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Pros
  • Several Limited Pay options available, to speed up payments
  • Several options to customize claim payouts
  • Received fewer complaints on claim settlement compared to other insurers
  • Our study observed their responses on Twitter to be relatively quicker than other insurers
Cons
  • Much costlier than other products in the market
  • Doesn't offer the option to automatically increase your claim amount, with time
  • The Critical Illness rider is not an additional cover, it pays out from the life cover amount
Detailed Review
Claims Experience 4/5 star green
Customer Service 3.3/5 star green
Product Benefits 3.1/5 star green
% of claims settled in less than 30 days
Reflects on the speed of settling valid claims
92.54%
% of Complaints received on overall claims
% customers unhappy with claims experience
0.09%
How complex is the Claim Form?
The longer, the more hassles during claims
Moderately Long
+ Show 8 more
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