I applied for iProtect1 on 28th July 2011, Medical done at my home on 2nd August, medical report reflected on 7th August and the policy issued on 9th August. Hassle free and I can say every thing got done in time. Excellent service!
Before going for this plan I read the online reviews for iProtect and the reviews were very discouraging in terms of service. But I still went ahead and applied for iProtect and ICICI Prudential service proved me right. I don’t know why people are writing such a bad review. I recommend iProtect with the following suggestion.
Go for iProtect option 1. If you are opting for iProtect Option 2 then I will advice better go for iProtect Option 1 and take accidental insurance from New India (https://newindia.co.in/per-accd.asp) or similar policy.
Keep the scanned copy of following document ready before you apply:
a. Address Proof
b. Age Proof
c. ID Proof
d. Income Proof
Apply online, fill the correct detail and be honest in filling the form.
Pay online through credit card/debit card/net banking. Prefer your credit card so that you don’t have to pay from your pocket in advance for the policy :)
Send the scanned copy of document to buyonline@iciciprulife.com
Complete your medical as soon as possible. Doctor come to home for checkup so that’s good you don’t have to go out.
In case of any query write to: lifeline@iciciprulife.com or call on toll free no. 1800222020
* I don’t agree with the logic of split of the policy to multiple insurance company to split the risk. That increase the total premium amount. I suggest to fill the form with utter care and give all correct detail in terms of your personal/family detail, personal/family health detail and if you possess any insurance prior to buying the policy. Do go for medical test to rule out any medical related issues later. What ever the company is they need to adhere the IRDA guidelines so they just can’t reject the claim. Of course the private company will have stringent scrutiny of your application and claim but that’s shouldn’t be problem for the person who is genuine and put the correct information.
All the best!
Regards,
Pravesh