ICICI Prulife POS iProtect Smart logo

ICICI Prulife POS iProtect Smart

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3.3/ 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. This plan doesn’t allow you to customize your product to fit your needs (For example: Cannot buy a cover more than 1 Cr INR). Further, it is also considerably expensive compared to other products in the market, and is available only on Policy Bazaar website.

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Pros
  • Received fewer complaints on claim settlement compared to other insurers
Cons
  • Sum Assured cannot go beyond INR 1 Crore
  • Much costlier that other products in the market
  • Doesn't offer the option to automatically increase your claim amount, with time
  • No Limited Pay option available, to speed up payments
  • No option to customize claim payouts
  • Critical illness cover is not available
Detailed Review
Claims Experience 4/5 star green
Customer Service 3.3/5 star green
Product Benefits 1.3/5 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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