ICICI Prudential Pure Protect Elite


Pure Protect Classic Plan from ICICI Prudential Life Insurance


ICICI Prudential Pure Protect Classic Plan is a variant of Pure Protect Plan which is only for low sum assured till less than Rs 25 lakhs. It is a pure term plan with additional rider benefits available. Thus if the life insured dies within the policy tenure, the nominee is eligible to get the sum assured and nothing is payable on maturity.

Key Features of Pure Protect Classic Plan

  • It is a pure Term Insurance Policy with Death Benefit only and no Maturity Benefit
  • There are additional benefits of Accidental Death and Disability and Waiver of Premium rider
  • This is a cheap term insurance policy with high sum insurance discount available
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Benefits you get from Pure Protect Classic plan


Death Benefit – Being a pure term insurance plan, there is only death benefit payable to the nominee if the life insured dies within the policy tenure.


Maturity Benefit – Being a pure term insurance plan, there are no maturity benefits under this plan.


Income Tax Benefit - Life Insurance premiums paid up to Rs. 1,00,000 are allowed as a deduction from the taxable income each year under section 80C



Eligibility conditions and other restrictions in Pure Protect Classic plan





Sum Assured (in Rs.)

Subject to minimum premium as applicable


Policy Term (in years)



Premium Payment Term (in years)

Equal to policy term

Equal to policy term

Entry Age of Policyholder



Age at Maturity



Single premium



Payment modes

Only Yearly



Sample illustration of premium amount in Pure Protect Classic plan


The below illustration is for a healthy Male (non-tobacco user) opting for a Sum Assured = Rs. 15 lakhs and Policy Term = 30 years


 ICICI Prudential Pure Protect Classic Term Plan premium rates



Additional Features and Benefits of Pure Protect Classic Plan


Riders – There are 2 additional riders available with this plan namely

·         Accidental Death and Disability rider - In event of death due to accident, the total additional Sum Insured is paid out to the nominee and in the event of total and permanent disability, 10% of the Rider Sum Assured is paid out every year, for 10 years

·         Waiver of Premium Benefit rider- In event of total and permanent disability due to an accident, the company would pay all the future premiums till maturity.


What happens if?


You stop paying the premium – then the policy would lapse after the grace period ends and all benefits would stop. However it can be revived within 2 years on payment of premium and interest.


You want to surrender the policy – There are no surrender benefits under this ICICI Prudential Pure Protect Classic term plan.


You want a loan against your policy – Loan facility is not available under this policy.


Alternate term plans from different insurance companies

LIC Anmol Jeevan

Tata AIG Raksha

AEGON Religare Level Term Plan



Other term insurance plans from ICICI Prudential Life Insurance

iICICI Prudential iCare Plan

Pure Protect Elite Plan

Life Guard Plan

~ By Deepak Yohannan
Note: This is a statement of facts based on the information collected from the ICICI Prudential Pure Protect Elite brochure and insurance company's website. It should not be construed as a Critical or Favourable ICICI Prudential Pure Protect Elite Review, Analysis or Recommendation.
Insurance is a subject matter of the solicitation.

Leave a Comment

Pls send details of icici pru protect elite plan.
terms & conditions & detail with refund of premium of this policy.
Pls send to my mail id

By Suvarna on Jun 05, 2012 Reply

Pls sir explain me this policy nd term nd condition,annual premium,relife in income tax,annual bonus,final payment nd all risk cover nd anymore detail on my e mail immedietly.
----- c.k.meena

By Chandan Kumar Meena on Dec 20, 2011 Reply

pay 3000 get daily 5000 x 100 days from SBI LIFE HOSPITAL CASH CARD 9440126592

By Cherry on Sep 20, 2011 Reply

seems to be a good one.

By Ranjan Hazra on Jun 25, 2011 Reply

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