iProtect Smart Plus
Plan terms, riders and exclusions from the insurer’s published material, plus an estimate of what it might cost you.
Plan terms
Key benefits
- Life, Life Plus (adds accidental death cover) and other variants
- Pay once, for a limited period or throughout the term
Riders and add-ons
Available for an extra premium. Rider terms and eligibility are set out in each rider’s own document.
- Accidental death benefit (Life Plus)
- Critical illness and waiver of premium options (extra premium)
Important exclusions
- Suicide within 12 months
- Non-disclosure of health or lifestyle facts
General wording, not quoted from the policy. Read the full exclusions in the policy document before buying.
Estimate your premium for iProtect Smart Plus
Scaled to this plan’s published price compared with the benchmark. Not an insurer quote.
Premium details
Estimated monthly premium
₹994 / month
Likely range ₹795 – ₹1,242 a month · about ₹11,465 a year
| Rate at your age | ₹11,124 a year per ₹1 Cr (age 30, 30-year cover) |
| Sum insured | × 1.00 (₹1 Cr) |
| Term factor | × 1.00 (30 years) |
| iProtect Smart Plus pricing | × 1.03 (vs. the benchmark plan's published price) |
| Tobacco | × 1.00 (non-smoker) |
| Gender | × 1.00 (male) |
| Health | × 1.00 (good) |
| Monthly payment | ÷ 12, plus 4% for paying monthly |
Rates are matched to published example premiums from one leading insurer (₹1 Cr, healthy non-smoking man, 30-year cover, 2026), scaled for your age, cover and term. Women usually pay less; smokers typically pay 50–80% more. Actual premiums are set by each insurer and depend on medical underwriting, health, lifestyle, tobacco use, occupation, income, riders, payment option and applicable taxes. Actual rates can be considerably higher or lower. Check the insurer’s current rates or talk to a licensed adviser before you decide.