When choosing a term insurance plan, most people look beyond basic life cover. They want financial protection against accidents, critical illnesses, and disabilities too.
That’s where ICICI Pru iProtect Smart Term Insurance Plan stands out.
But the question remains:
Does the ICICI iProtect Smart include accident cover?
👉 Yes, it does – but as an optional rider.
Let’s break this down.
What is ICICI Pru iProtect Smart Term Plan?
The ICICI Pru iProtect Smart is a comprehensive term insurance policy offered by ICICI Prudential Life Insurance. It's designed to provide financial security to your family in case of your untimely demise and includes a variety of customizable add-ons.
Key Features:
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Life cover up to age 99
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Coverage for terminal and critical illnesses
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Optional accident death cover
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Waiver of premium in case of permanent disability
It’s one of the most flexible ICICI Prudential Life Insurance Plans under the ICICI life insurance policy category.
Is Accidental Death Covered in iProtect Smart?
✔️ Yes – Through Accidental Death Benefit (ADB) Rider
The Accidental Death Benefit Rider is not included by default in the base policy.
You need to opt for it when purchasing the plan.
How It Works:
If the policyholder dies due to an accident, the nominee gets:
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Sum Assured of Base Plan
PLUS -
Additional Sum Assured from the Accident Cover
🔹 Example:
If your base life cover is ₹1 crore and you opted for ₹50 lakhs of Accidental Death Benefit, your family will receive ₹1.5 crores in case of an accidental death.
Benefits of ICICI Pru iProtect Smart with Accident Cover
1. Enhanced Protection
Accidents are unpredictable. This rider ensures your family gets an extra financial cushion.
2. Affordable Premiums
The rider can be added at a nominal cost to your ICICI Prudential iProtect Smart plan.
3. Tax Benefits
Premiums paid (including the rider) are eligible for tax deduction under Section 80C and 80D, depending on the components selected.
ICICI Prudential Policy Details: At a Glance
| Feature | Details |
|---|---|
| Plan Name | ICICI Pru iProtect Smart |
| Entry Age | 18 – 65 years |
| Coverage | Up to 99 years |
| Minimum Policy Term | 5 years |
| Riders | Accidental Death Benefit, Critical Illness, Waiver of Premium |
| Premium Payment | Regular, Limited, or Single Pay |
| Tax Benefits | Under Section 80C, 80D, 10(10D) |
| Availability | Online and via ICICI Bank Life Insurance Advisors |
You can explore more through the ICICI bank insurance policy details on the official website.
ICICI Pru iProtect Smart: 4 Plan Options
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Life Option – Basic life cover
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Life Plus Option – Life cover + Accidental Death Benefit
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Life & Health Option – Life cover + Critical Illness Cover
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All-in-One Option – Life cover + Accidental Death + Critical Illness + Disability
Why Choose ICICI Pru iProtect Smart Plan?
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From ICICI Prudential, one of India’s most trusted life insurance providers
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Offers comprehensive ICICI life term insurance plan features
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Backed by high claim settlement ratio
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Available both online and through ICICI Bank Life Insurance channels
Final Verdict: Accident Cover is Optional – But Highly Recommended
The ICICI Pru iProtect Smart plan does not include accident cover by default, but gives you the freedom to add it via the Accidental Death Benefit rider. This makes the policy flexible, powerful, and highly customizable.
So if you’re looking for a term insurance policy that truly protects your family from all angles—including unexpected accidents—iProtect Smart with the accident rider is the right choice.
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