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ICICI Pru Pure Protect Elite


The policy aims to provide financial stability to family in the event of death of the insured member.

What does it do?

This term insurance policy pays the sum assured in case of unfortunate demise of the life assured. This plan offers two optional riders to enhance the scope of cover- accidental death & disability and waiver of premium.
Accidental death and disability benefit is paid if life insured dies in an accident. If the insured meets with an accident while travelling in a public transport vehicle like bus or train, the sum assured will be doubled.
In case of total and permanent disability, insured will receive 10 per cent of the rider’s sum assured, for 10 years annually.
The waiver of premium rider will pay the remaining premiums of the policy, in case of total and permanent disability, within 180 days of accident to keep the policy active till maturity.


The policy offers discount on higher sum assured.
Premium paid towards this policy qualify for tax deduction under section 80C of Income Tax Act.
The plan allows to customize the policy by adding two optional riders.
Women can avail discount on premium.

Suited for

Those who prefer to buy a policy via agents for hassle-free purchase can find this term plan beneficial.

Our View

This is a decent policy with optional riders. These riders, if taken, will widen the scope of coverage.

Entry Age (years) 
Maximum Maturity Age (years)75
Policy Term (years) 
Sum Assured (Rs) 
Minimum25 lakh
MaximumNo llimit
Minimum Premium (Rs) 
Premium Payment FrequencyYearly, Half-yearly, Quarterly and Monthly
Premium Payment TermEqual to policy term
Premium Factor (multiply with annual premium)NA
Policy CoverCover remains fixed for the tenure of the policy
Other Features 
Free Look CancellationIn case, you are not satisfied, you may choose to cancel the policy within 15 days of receiving the policy documents. Upon such cancellation, you will be paid back the premiums, minus the cost of stamp duty, medical reports and proportionate premium for the period for which the risk was covered.
Grace PeriodYou are allowed to pay premiums within 30 days from the due date for yearly, half yearly and quarterly mode; 15 days for monthly mode. If a due premium is not received within the grace period of 30 days, your policy will lapse and the life insurance cover, including the rider cover, if any, will be terminated.
Lapsed Policy ReinstatementYou can reinstate your lapsed policy any time (within 2 years from the due date of the first unpaid premium) by paying all the due premiums and undergoing underwriting requirements, if any.
Tax BenefitsSection 80C, 10 (10D) of the Income Tax Act, 1961 would apply. Premiums paid for Dread Disease Rider may qualify for deduction under Section 80D of the Income Tax Act, 1961.
ExclusionsIn case of death by suicide during the first policy year, or within one year from the date of reinstatement, no death benefit is payable. Further, if the Life Assured under the policy, whether medically sane or insane, commits suicide, within one year of exercising the option to increase the Sum Assured, then the amount of increased Sum Assured will not be considered in the calculation of the Death Benefit
Customer Service 
AddressICICI Pru Life Towers, 1089 Appasaheb Marathe Marg, Prabhadevi, Mumbai 400025. Tel.: 40391600
Mail To[email protected] 
Call On18602667766 between 9 am to 9 pm; Monday to Saturday (except National holidays)
SMSSRV to 56767
Available Rider(s)Accidental Death and Disability Rider (ADDB): covers death and disability caused due to accident.
Waiver of Premium: In case of total and permanent disability within 180 days of accident, the company pays remaining premiums and the policy remains in force till maturity.
Rider Conditions 
Entry Age (years) 
Maximum Maturity Age (years)75
Rider Term (years) 
Sum Assured (Rs) 
Rider Premium (Rs)Accidental Death and Disability Rider costs Rs 0.90 per Rs 1000 Sum Assured irrespective of age of the policyholder.
Cost of Waiver of premium Rider is proportinate to the age of policyholder. For instance, it costs Rs 1.25 per thousand of Sum Assured for a 30 year old healthy male and Rs 1.35 per Rs 1000 Sum Assured for a 40 year old for policy term of 10 year whereas.
Annual Premiums for Male
Policy Term (in years)Age (in years)
Indicative premiums for Rs 40 lakh Sum Assured; premiums are exclusive of service tax
Annual Premiums for Female
Policy Term (in years)Age (in years)
Indicative premiums for Rs 40 lakh Sum Assured; premiums are exclusive of service tax