{"uin":"105N205V07","name":"ICICI Life iProtect Smart Plus","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-smart-plus-105n205v07","insurer":{"slug":"icici-life-insurance","name":"ICICI Life Insurance Company Limited","url":"https://indiainsurances.com/insurer/icici-life-insurance"},"line":"life","category":"term-life","category_name":"Term life","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"ICICI Life iProtect Smart Plus is a non-participating non-linked individual pure risk life insurance product with Life, Life Plus and Life Rebalancing variants. It pays no maturity benefit, has a 30-day free-look period, and provides terminal illness acceleration of the death benefit.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:37:22.398993+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Life","Life Plus","Life Rebalancing"],"display":"Life, Life Plus and Life Rebalancing","note":null,"quote":"This Policy consist of three plan variants namely Life, Life Plus and Life Rebalancing. The Plan variant chosen by You at inception is mentioned in the Policy Schedule.","sources":[{"clause":"Part C","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-smart-plus-105n205v07/document/21958#c-part-c"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording defines Policy Term as the period between the Policy Acceptance Date and the Date of Maturity specified in the Policy Schedule, but does not state the available policy terms.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"not-stated","value":null,"display":null,"note":"The wording refers to receipt of claim intimation, but does not state a deadline for intimating a death or terminal illness claim.","quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Duly filled and signed Claimant Statement Form","Copy of Death Certificate of the Life Assured, issued by government authority","Claimant address proof","Claimant photo identity proof","Recent photograph of the claimant","Pan card / Form 97 of the claimant","Duly filled and signed Payout mandate form with bank account details of the claimant","Copy of cancelled cheque / bank statement / bank passbook with printed account number and name of the claimant","Medico-legal cause of death certificate","First Information Report (FIR) from the police authority","Inquest/ Panchnama Report","Final police investigation report","Post Mortem Report (PMR) issued by the hospital","Past medical records and treatment papers","All hospitalization records of the Life Assured"],"display":"Death claim documents include claimant statement, death certificate, claimant proofs, photo, PAN/Form 97, payout mandate and bank proof; extra documents depend on cause of death.","note":null,"quote":"For processing a death claim under this Policy, We will require the following documents (as may be relevant): • Duly filled and signed Claimant Statement Form • Copy of Death Certificate of the Life Assured, issued by government authority • Claimant address proof* • Claimant photo identity proof* ... • Recent photograph of the claimant • Pan card / Form 97 of the claimant • Duly filled and signed Payout mandate form with bank account details of the claimant • Copy of cancelled cheque / bank statement / bank passbook with printed account number and name of the claimant ... • Medico-legal cause of death certificate • First Information Report (FIR) from the police authority • Inquest/ Panchnama Report • Final police investigation report • Post Mortem Report (PMR) issued by the hospital ... • Past medical records and treatment papers • All hospitalization records of the Life Assured such as: i. Admission form ii. Indoor Case Papers (ICPs) iii. Discharge summary iv. Diagnostic test reports such as USG, Pathology / Lab reports etc.,","sources":[{"clause":"10","heading":"Payment of claim: For processing a death claim under this Policy, We will require","page":5,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-smart-plus-105n205v07/document/21958#c-10"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"For eligible death claims, an accelerated Death Benefit of Rs. 3,00,000 is processed within one working day from the claim registration date. The wording does not state a time for final evaluation or payment of the remaining Death Benefit.","display":"Accelerated Death Benefit of Rs. 3,00,000 within one working day from claim registration date","note":"Applies only where Sum Assured is at least Rs. 1,00,00,000 and other policy conditions are met; it is not acceptance of the death claim.","quote":"the Company shall pay an accelerated Death Benefit of Rs. 3,00,000/- (Rupees Three Lakhs only). This accelerated Death Benefit shall be processed by the Company within one working day from the claim registration date. The feature is applicable only for those policies where the Sum Assured is greater than or equal to Rs. 1,00,00,000/- (Rupees One Crore only).","sources":[{"clause":"14","heading":"Insta Payment on claim Intimation In the event of the death of the Life Assured","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-smart-plus-105n205v07/document/21958#c-14"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["In the event of death of the Life Assured during the first 90 days from the Date of Commencement of Risk (“Waiting Period”), no Death Benefit shall be payable.","Death caused due to Suicide or attempted Suicide, intentional self-inflicted injury or acts of self-destruction.","Death caused by congenital external diseases, defects or anomalies or in consequence thereof","Death arising out of or attributable to foreign invasion, act of foreign enemies, hostilities, warlike operations","Death caused by treatment directly arising from or consequent upon any Life Assured committing or attempting to commit a breach of law","Death caused by Alcohol or solvent abuse or taking of Drugs, narcotics or psychotropic substances unless taken in accordance with the lawful directions and prescription of a registered medical practitioner.","Death caused by participation of the Life Assured in any flying activity, except as a bona fide, fare-paying passenger of a recognized airline on regular routes and on a scheduled timetable.","Death of the Life Assured whilst engaging in a speed contest or racing of any kind","Death caused by engaging in hazardous sports / pastimes","Death arising from or caused by ionizing radiation or contamination by radioactivity from any nuclear fuel"],"display":"POS 90-day waiting period for Death Benefit, and accidental death exclusions such as suicide, congenital conditions, war, breach of law, alcohol/drugs, flying, racing/adventure sports and nuclear/chemical/biological risks.","note":"The 90-day waiting period applies only for policies sourced through POS and does not apply where death is due to an Accident. The listed accidental death exclusions apply to Life Plus and Life Rebalancing variants.","quote":"In the event of death of the Life Assured during the first 90 days from the Date of Commencement of Risk (“Waiting Period”), no Death Benefit shall be payable. ... For Life Plus and Life Rebalancing variants, the following exclusions shall be applicable for Accidental Death Benefit (applicable for POS and Non- POS) a. Death caused due to Suicide or attempted Suicide, intentional self-inflicted injury or acts of self-destruction. b. Death caused by congenital external diseases, defects or anomalies or in consequence thereof c. Death arising out of or attributable to foreign invasion, act of foreign enemies, hostilities, warlike operations ... d. Death caused by treatment directly arising from or consequent upon any Life Assured committing or attempting to commit a breach of law e. Death caused by Alcohol or solvent abuse or taking of Drugs, narcotics or psychotropic substances unless taken in accordance with the lawful directions and prescription of a registered medical practitioner. f. Death caused by participation of the Life Assured in any flying activity, except as a bona fide, fare-paying passenger of a recognized airline on regular routes and on a scheduled timetable. g. Death of the Life Assured whilst engaging in a speed contest or racing of any kind ... h. Death caused by engaging in hazardous sports / pastimes ... i. Death arising from or caused by ionizing radiation or contamination by radioactivity from any nuclear fuel","sources":[{"clause":"6(i)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-smart-plus-105n205v07/document/21958#c-6-i"},{"clause":"6(ii)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-smart-plus-105n205v07/document/21958#c-6-ii"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact ICICI Life through customer service. If there is no resolution or the resolution is unsatisfactory, submit the concern to the Grievance Redressal Officer, and then escalate to the internal Grievance Redressal Committee before approaching IRDAI or the Ombudsman.","display":"Customer service, then GRO at gro@icicilife.com, then internal Grievance Redressal Committee","note":null,"quote":"For any clarification or assistance, You may submit your query or request through 'write to us' section on our mobile app or website. ... If You do not receive any resolution from Us or if You are not satisfied with Our resolution, You may submit your concern to the designated grievance redressal officer (GRO) at the 'grievance redressal' section on our website, or write to us at at gro@icicilife.com . ... If You do not receive any resolution or if You are not satisfied with the resolution provided by the GRO, You may escalate the matter to Our internal grievance redressal committee at the 'grievance redressal' section on our website","sources":[{"clause":"1","heading":"Customer service","page":6,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-smart-plus-105n205v07/document/21958#c-1-5"},{"clause":"1(i)","heading":"Grievance Redressal Officer","page":6,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-smart-plus-105n205v07/document/21958#c-1-i"},{"clause":"1(ii)","heading":"Grievance Redressal Committee","page":6,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-smart-plus-105n205v07/document/21958#c-1-ii"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_assured","label":"Sum assured","section":"Cover","meaning":"The minimum and maximum life cover, or the rule that sets it (for example 10 times the annual premium).","status":"not-stated","value":null,"display":null,"note":"The wording says Sum Assured is the amount chosen at policy inception and Sum Assured on Death is specified in the Policy Schedule, but does not state minimum or maximum life cover.","quote":null,"sources":[],"law":[]},{"key":"death_benefit","label":"Death benefit","section":"Cover","meaning":"What your family gets if you die during the term, and how it is calculated.","status":"quote-verified","value":"For Life and Life Plus, death benefit for Regular Pay and Limited Pay is the higher of 7 times the Annualized Premium, 105% of Total Premiums Paid up to death, or Sum Assured on Death; for Single Pay it is the higher of 125% of single Premium or Sum Assured on Death. Life Plus adds Accidental Death Benefit for accidental death, while Life Rebalancing pays Sum Assured on Death as lump sum and has Accidental Death Benefit during the first 10 years subject to the variant table.","display":"Life/Life Plus: higher of 7 times annualized premium, 105% of total premiums paid, or Sum Assured on Death; Single Pay: higher of 125% single premium or Sum Assured on Death. Life Plus and Life Rebalancing have accidental death benefits.","note":"For Life Rebalancing, the Sum Assured on Death and Accidental Death Benefit Sum Assured vary by policy year; from the 11th policy year onwards the ADB percentage is 0%.","quote":"Regular Pay and Limited Pay | Higher of • 7 times the Annualized Premium; or • 105% of the Total Premiums Paid up to the date of death of the Life Assured; or • t he Sum Assured on Death. ... Single Pay | Higher of • 125% of the single Premium; or • the Sum Assured on Death. ... Under Life Plus plan variant, if death of the Life Assured were to happen due to an Accident during the Policy Term, and the Policy is In Force, an additional benefit i.e., Accidental Death (AD) Benefit Sum Assured will be paid out to the Claimant in lumpsum. ... In the event of death of the Life Assured during the Policy Term, Sum Assured on death as mentioned in the Policy Schedule shall be payable by the Company to the Claimant as lumpsum. ii. Additionally, if the death of the Life Assured occurs due to an Accident during the first 10 years of the Policy Term, and the Policy is In Force, an additional benefit i.e., Accidental Death Benefit Sum Assured as mentioned in Policy Schedule shall be payable by the Company to the Claimant as lumpsum.","sources":[{"clause":"1","heading":"Life Plan Variant","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-smart-plus-105n205v07/document/21958#c-1-2"},{"clause":"2","heading":"Life Plus plan variant","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-smart-plus-105n205v07/document/21958#c-2"},{"clause":"3(i)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-smart-plus-105n205v07/document/21958#c-3-i"}],"law":[]},{"key":"maturity_benefit","label":"Maturity benefit","section":"Cover","meaning":"What you get if you survive to the end of the term.","status":"quote-verified","value":"On survival of the Life Assured till the Date of Maturity, no benefit is payable for a fully paid policy and the policy terminates.","display":"No maturity or survival benefit","note":null,"quote":"Maturity/Survival Benefit: On survival of the Life Assured till the Date of Maturity, for a fully paid policy, no benefit is payable. On Date of Maturity, the policy will terminate and all rights, benefits and interests under the policy will stand extinguished.","sources":[{"clause":"13","heading":"Maturity/Survival Benefit","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-smart-plus-105n205v07/document/21958#c-13"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"not-stated","value":null,"display":null,"note":"The wording states an age-at-maturity condition for exercising Life Stage Protection, but does not state the product's maximum maturity age.","quote":null,"sources":[],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"quote-verified","value":"If the Life Assured commits suicide within 12 months from commencement of risk, the insurer refunds the higher of 80% of Total Premiums Paid till death or the Policy Cancellation Value available on the date of death, if the policy is in force. The same rule applies within 12 months of revival for a revived policy.","display":"Within 12 months: higher of 80% of Total Premiums Paid or Policy Cancellation Value","note":null,"quote":"If the Life Assured, whether sane or insane, commits suicide within 12 months from the Date of commencement of risk of this Policy, We will refund higher of 80% of the Total Premiums Paid, if any till the date of death or Policy Cancellation Value as available on the date of death, provided the Policy is in force. In the case of a revived Policy, if the Life Assured, whether sane or insane, commits suicide within 12 months of the date of revival of the Policy, higher of 80% of the total premiums paid, if any till date of death or Policy Cancellation Value as available on date of death will be payable by Us.","sources":[{"clause":"11","heading":"Suicide: If the Life Assured, whether sane or insane, commits suicide within 12","page":6,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-smart-plus-105n205v07/document/21958#c-11-2"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 21","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 35","url":"https://indiainsurances.com/law/irdai-life-products-2024"}]},{"key":"surrender","label":"Surrender value","section":"Renewal and rights","meaning":"What you get if you stop the policy early, and from when.","status":"quote-verified","value":"Surrender benefit is not applicable. On policy cancellation, a Policy Cancellation Value equal to the Unexpired risk premium value may be payable under the Single Pay, Limited Pay and applicable Regular Pay conversion rules.","display":"No surrender benefit; Policy Cancellation Value equal to Unexpired risk premium value may be payable","note":"For Regular Pay where the policyholder never changed to Limited Pay, the Unexpired risk premium value is 0.","quote":"Surrender benefit is not applicable under this Policy. ... On Policy Cancellation, Policy Cancellation Value equal to Unexpired risk premium value will be payable to You: a) For Single Pay, upon the Policyholder applying for the same during the policy term; or b) For Other than Single Pay, upon the Policyholder applying for the same during the policy term, or at the end of revival period if the policy is not revived, whichever is earlier.","sources":[{"clause":"3","heading":"Surrender","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-smart-plus-105n205v07/document/21958#c-3-2"},{"clause":"4","heading":"Policy Cancellation Value","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-smart-plus-105n205v07/document/21958#c-4-2"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.1 to 26.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.4 and 26.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 27","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.16 and 1.17","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(1) to (3)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(4) and (5)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(6) to (9)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)(c)(V)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"paid_up","label":"Paid-up value","section":"Renewal and rights","meaning":"What cover continues if you stop paying premiums after a few years.","status":"quote-verified","value":"There is no paid-up value under this policy.","display":"No paid-up value","note":null,"quote":"There is no paid-up value under this Policy.","sources":[{"clause":"2","heading":"Paid-up Value","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-smart-plus-105n205v07/document/21958#c-2-2"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"A lapsed policy may be revived within 5 years from the due date of the first unpaid premium and before maturity, subject to underwriting, evidence of health, payment of arrears with interest and the insurer's acceptance.","display":"Within 5 years from the due date of the first unpaid Premium","note":null,"quote":"A Policy which has lapsed for non-payment of Premium within the Grace Period may be revived subject to underwriting and the following conditions: a) An application for Revival is made within 5 years from the due date of the first unpaid Premium and before the Date of Maturity of the Policy. ... c) You furnish, at your own expense, satisfactory evidence of health of the Life Assured as required by Us. d) The arrears of Premiums together with interest at such rate as We may charge for late payment of Premiums are paid.","sources":[{"clause":"8","heading":"Revival","page":5,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-smart-plus-105n205v07/document/21958#c-8-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.7","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.28","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.39","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"policy_loan","label":"Policy loan","section":"Renewal and rights","meaning":"Whether you can borrow against the policy.","status":"quote-verified","value":"Loans are not provided under this policy.","display":"No policy loans","note":null,"quote":"We will not provide loans under this Policy.","sources":[{"clause":"7","heading":"Loan","page":5,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-smart-plus-105n205v07/document/21958#c-7-2"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"not-stated","value":null,"display":null,"note":"The wording refers to riders and rider premiums, but does not name any riders available with this product.","quote":null,"sources":[],"law":[]},{"key":"section45","label":"Claims after 3 years (Section 45)","section":"Claims","meaning":"After 3 years a life policy cannot be questioned on any ground, and only for fraud with proof before that.","status":"quote-verified","value":"No life insurance policy can be called in question on any ground after expiry of 3 years from the later of issuance, commencement of risk, revival or rider date. Within 3 years, it may be called in question for fraud or material misstatement, with written communication of the grounds and materials; for non-fraud misstatement the premium collected is paid within 90 days from repudiation.","display":"No questioning after 3 years; fraud or material misstatement grounds only within 3 years","note":null,"quote":"No Policy of Life Insurance shall be called in question on any ground whatsoever after expiry of 3 yrs from a) the date of issuance of policy or b) the date of commencement of risk or c) the date of revival of policy or d) the date of rider to the policy whichever is later. 2. On the ground of fraud, a policy of Life Insurance may be called in question within 3 years ... Life insurance Policy can be called in question within 3 years on the ground that any statement of or suppression of a fact material to expectancy of life of the insured was incorrectly made ... In case repudiation is on ground of misstatement and not on fraud, the premium collected on policy till the date of repudiation shall be paid to the insured or legal representative or nominee or assignees of insured, within a period of 90 days from the date of repudiation.","sources":[{"clause":"Annexure II","heading":"Section 38 – Assignment and Transfer of Insurance Policies","page":7,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-smart-plus-105n205v07/document/21958#c-annexure-ii"},{"clause":"Annexure II(a)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-smart-plus-105n205v07/document/21958#c-annexure-ii-a"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 45","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"tax_note","label":"Tax note in the document","section":"Premium","meaning":"What the document says about tax benefits. Not stated when it only says taxes are charged on the premium. Tax law changes; confirm separately.","status":"not-stated","value":null,"display":null,"note":"The wording mentions that benefits may be taxable and are subject to tax laws, but does not state any tax benefit.","quote":null,"sources":[],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":null,"quote":"the Policy document needs to be returned to the Company with reasons for cancellation within 30 days from the date of receipt of the Policy document.","sources":[{"clause":"1","heading":"Free look Period (30 days refund policy)","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-smart-plus-105n205v07/document/21958#c-1-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":15},"display":"15 days for monthly frequency; 30 days for any other frequency","note":"Grace period is applicable only for Regular Pay and Limited Pay Policies.","quote":"will be given a grace period of 15 days for payment of due instalment Premium if You have chosen monthly frequency, and 30 days for payment of due instalment Premium if You have chosen any other frequency, commencing from the premium due date. The life cover continues during the grace period.","sources":[{"clause":"15","heading":"Grace Period If You are unable to pay an instalment Premium by the due date, you","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-smart-plus-105n205v07/document/21958#c-15"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"not-stated","value":null,"display":null,"note":"The wording does not state the youngest or oldest entry age.","quote":null,"sources":[],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Yearly","Half-yearly","Monthly"],"display":"Yearly, Half-yearly and Monthly","note":null,"quote":"Premium frequency | Loading as a % of Premium\nPolicy Years. b. The age of the Life Assured is 60 years or more at the time of\nYearly | NA\nexercise. c. The Policy is in-force with all due premiums paid at the time of\nHalf-yearly | 2%\nexercising this option. d. If You have exercised the option to change Premium Payment Term, this option can be exercised only after 3 Policy Years have elapsed\nMonthly | 5%","sources":[{"clause":"11(i)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-smart-plus-105n205v07/document/21958#c-11-i"}],"law":[]},{"key":"premium_type","label":"Premium payment type","section":"Premium","meaning":"Single premium, regular premium (every year of the term) or limited premium (fewer years than the term).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"return_of_premium","label":"Return of premium option","section":"Cover","meaning":"Whether premiums come back if you survive the term, and at what cost. 'No' only when the document says no maturity benefit is payable.","status":"quote-verified","value":"There is no maturity or survival benefit on surviving to the Date of Maturity. Separately, Smart Exit Benefit may allow cancellation after the 25th policy year and receipt of Total Premiums Paid, subject to the stated conditions.","display":"No maturity return; Smart Exit Benefit can return Total Premiums Paid after the 25th policy year subject to conditions","note":"Smart Exit is a cancellation option, not a benefit payable at maturity, and is subject to conditions including age 60 or more at exercise and policy being in force with all due premiums paid.","quote":"Maturity/Survival Benefit: On survival of the Life Assured till the Date of Maturity, for a fully paid policy, no benefit is payable. ... You have an option to cancel the Policy and receive Smart Exit Benefit, equal to Total Premiums Paid* under the Policy. ... This option can be exercised only after the 25th policy year but not during the last 5","sources":[{"clause":"13","heading":"Maturity/Survival Benefit","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-smart-plus-105n205v07/document/21958#c-13"},{"clause":"9(i)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-smart-plus-105n205v07/document/21958#c-9-i"}],"law":[]},{"key":"payout_options","label":"Payout options","section":"Cover","meaning":"Lump sum, monthly income, or a mix for your family.","status":"quote-verified","value":"For Life and Life Plus, the Death Benefit payout options are Lump Sum Option, Income Option, Lump sum and Income Option, and Increasing Income Option; the option is chosen at inception and cannot be changed. Life Rebalancing death benefit is paid as lump sum.","display":"Life/Life Plus: Lump Sum, Income, Lump sum and Income, Increasing Income; Life Rebalancing: lump sum","note":null,"quote":"Under the Life and Life Plus variant, there are four payout options for the Death Benefit payable in the event of death or diagnosis of Terminal Illness of the Life Assured. The option must be chosen at policy inception only and cannot be changed during the Policy Term: a. Lump Sum Option ... b. Income Option ... d. Lump sum and Income Option ... e. Increasing Income Option ... In the event of death of the Life Assured during the Policy Term, Sum Assured on death as mentioned in the Policy Schedule shall be payable by the Company to the Claimant as lumpsum.","sources":[{"clause":"8","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-smart-plus-105n205v07/document/21958#c-8"},{"clause":"3(i)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-smart-plus-105n205v07/document/21958#c-3-i"}],"law":[]},{"key":"terminal_illness","label":"Terminal illness benefit","section":"Cover","meaning":"Whether part of the cover is paid early on diagnosis of a terminal illness.","status":"quote-verified","value":"If the Life Assured is diagnosed with a Terminal Illness during the Policy Term while the policy is in force, the Death Benefit is payable early. This only accelerates the Death Benefit and is not an additional benefit; it is not available for policies sourced through POS personnel.","display":"Death Benefit is accelerated on Terminal Illness; not an additional benefit","note":null,"quote":"In the event, the Life Assured is diagnosed with a Terminal Illness during the Policy Term, for an In-force policy, Death Benefit will be payable to the Claimant. ii. Terminal Illness Benefit only accelerates the Death Benefit payable under the Policy and is not an additional benefit. ... A Life Assured shall be regarded as Terminally Ill only if that Life Assured is diagnosed as suffering from a condition which, in the opinion of two independent Medical Practitioners specializing in treatment of such illness, is highly likely to lead to death within 6 months. ... Terminal Illness Benefit will not be available in case policy is sourced through POS personnel.","sources":[{"clause":"6","heading":"Terminal Illness Benefit","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-smart-plus-105n205v07/document/21958#c-6"}],"law":[]},{"key":"increasing_cover","label":"Increasing or life-stage cover","section":"Cover","meaning":"Options to raise cover over time or at marriage or childbirth.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"waiver_of_premium","label":"Waiver of premium","section":"Cover","meaning":"Whether future premiums stop on disability or critical illness.","status":"not-stated","value":null,"display":null,"note":"The wording describes a Premium Break that postpones premiums, but does not state a waiver of future premiums on disability or critical illness.","quote":null,"sources":[],"law":[]},{"key":"medicals","label":"Medical tests","section":"Eligibility","meaning":"Whether medical tests are needed, and at what cover.","status":"not-stated","value":null,"display":null,"note":"The wording mentions medical examination expenses in the free-look refund and evidence of health for revival, but does not state whether medical tests are required at purchase or at what cover amount.","quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"ICICI Pru iProtect Smart Plus - Valid from 19122025 to 15012026 UIN 105N205V03","pages":9,"fetched_at":"2026-10-20 01:07:28+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/2025/ICICI_Pru_iProtect_Smart_Plus_Valid_from_19122025_to_till_date_UIN_105N205V03.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-smart-plus-105n205v07/document/21954"},{"kind":"wording","label":"ICICI Pru iProtect Smart Plus - Valid from 16012026 to 05042026 UIN 105N205V04","pages":9,"fetched_at":"2026-10-20 01:07:30+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/2026/ICICI_Pru_iProtect_Smart_Plus_Valid_from_16012026_to_till_date_UIN_105N205V04.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-smart-plus-105n205v07/document/21955"},{"kind":"wording","label":"ICICI Pru iProtect Smart Plus - Valid from 06042026 to 02082026 UIN 105N205V05","pages":10,"fetched_at":"2026-10-20 01:07:31+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/2026/ICICI_Pru_iProtect_Smart_Plus_105N205V05.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-smart-plus-105n205v07/document/21956"},{"kind":"wording","label":"ICICI Pru iProtect Smart Plus - Valid from 03082026 to 10092026 UIN 105N205V06","pages":10,"fetched_at":"2026-10-20 01:07:33+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/2026/ICICI_Pru_iProtect_Smart_Plus_Valid_from_03082026_to_till_date_UIN_105N205V06.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-smart-plus-105n205v07/document/21957"},{"kind":"wording","label":"ICICI Pru iProtect Smart Plus - Valid from 11092026 to 04102026 UIN 105N205V07","pages":8,"fetched_at":"2026-10-20 01:07:36+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/2026/ICICI_Pru_iProtect_Smart_Plus_Valid_from_10092026_to_till_date_UIN_105N205V06.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-smart-plus-105n205v07/document/21958"},{"kind":"wording","label":"ICICI Life iProtect Smart Plus - Valid from 16102026 to till date UIN 105N205V08","pages":8,"fetched_at":"2026-10-20 01:07:40+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/2026/ICICI_Life_iProtect_Smart_Plus-Valid_from_16102026_to_till_date_UIN_105N205V08.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-smart-plus-105n205v07/document/21960"},{"kind":"brochure","label":"ICICI Life iProtect Smart Plus","pages":30,"fetched_at":"2026-10-20 00:42:35+00","source_url":"https://www.icicilife.com/content/dam/icicipru/brochures/ICICI_Pru_iProtect_Smart_Plus_Brochure.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-smart-plus-105n205v07/document/21431"}],"versions":[{"uin":"105N205V08","version":null,"approved_on":null},{"uin":"105N205V03","version":null,"approved_on":null},{"uin":"105N205V04","version":null,"approved_on":null},{"uin":"105N205V05","version":null,"approved_on":null},{"uin":"105N205V06","version":null,"approved_on":null},{"uin":"105N205V07","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"ICICI Life Insurance official website","url":"https://www.icicilife.com","note":"Website as listed by IRDAI. Not checked: the site blocks automated requests (bot wall) for our crawler on 2026-10-19; we do not bypass walls."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"ICICI Life iProtect Smart Plus (UIN 105N205V07), IndiaInsurances, https://indiainsurances.com/policy/icici-life-insurance/icici-life-iprotect-smart-plus-105n205v07"}