Like every new phase in life, parenthood welcomed me with a new set of responsibilities. Since the time I have become a mother, I have ensured no room for compromise when it comes to Dhiyara’s health and aspirations.
My world revolves around her cute little smile, her chubby cheeks and her warm hugs; these are the things that I live for! I want to always support her emotionally and give her all the care that I can.

However, there are certain incidents which are not always in my control. When Dhiyara was only 2 years old, she tried swimming for the first time & developed severe typhoid. I freaked out & immediately started to scrutinize all my actions. But then I realized that no matter how vigilant we try to be as parents, sometimes things can go wrong and we need to be prepared for the same.

Even right now with the 2nd wave of COVID-19, health hazards can unfortunately strike my family at any time. Hence, it is essential for me to have a stable financial backup so as to ensure that the financial security of my child is looked after. Thus, taking into consideration all these aspects, I started looking out for options which would safeguard & take care of my child’s financial future if at all anything were to go wrong.

During my research, I came across ICICI Prudential Life’s iProtect Smart Term Plan. This plan seemed suitable as it offers financial protection for our loved ones in case of an unfortunate event. It offers a large life cover at an affordable premium. This money can be used to ensure our loved ones are able to continue their lifestyle and achieve their dreams in our absence. It also offers the option to protect ourselves against life-threatening conditions like heart-related ailments, & many others. It offers financial protection against 34 such life-threatening conditions with an immediate payout on the diagnosis of a critical illness. It also covers COVID-19 life claims. Moreover, ICICI Prudential Life is a well-established company that has been in the market for over 20 years.

As a mother,this plan seems perfect for the future of my family.
Kyuki agar tayari sahi ho,toh jeet paaki hain!


Covid-19 claims
Our Life insurance policies cover COVID-19 claims under life insurance claims, subject to applicable terms and conditions of policy contract and extant regulatory framework. COVID-19 is not included in Critical Illness benefit covered under IProtect Smart.

Critical Illness
The critical illness benefit is an accelerated benefit and the death benefit will be reduced by the critical illness cover paid to the policyholder. The future premiums payable for the residual CI Benefit will reduce proportionately. In case the CI Benefit equal to the Death Benefit, the policy will terminate on payment of the CI Benefit. Only doctor’s certificate confirming diagnosis needs to be submitted. On payment of Angioplasty, if the CI Benefit is more than `5,00,000 the policy will continue for other CIs with CI Benefit reduced by Angioplasty payout. To know more about the illnesses covered, please refer to the Sales brochure. Available under Life and Health and All in One options.
Critical Illness Benefit is limited to age of 75 and Accidental Death Benefit is limited to age of 80.

© ICICI Prudential Life Insurance Co. Ltd. All rights reserved. Registered with Insurance Regulatory & Development Authority of India (IRDAI) as Life Insurance Company. Regn. No. 105. CIN: L66010MH2000PLC127837.Reg. Off.: ICICI PruLife Towers, 1089 Appasaheb Marathe Marg, Prabhadevi, Mumbai 400025. Tel.: 40391600. Customer helpline number – 1860 266 7766. Timings – 10:00 A.M. to 7:00 P.M., Monday to Saturday (except national holidays). Member of the Life Insurance Council. For more details on the risk factors, term and conditions please read the product brochure carefully before concluding the sale. Trade Logo displayed above belongs to ICICI Bank Ltd & Prudential IP services Ltd and used by ICICI Prudential Life Insurance Company Ltd under license. UIN: 105N151V01

About The Author