ICICI Lombard MaxProtect Plan: Key Benefits and Coverage
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ICICI Lombard MaxProtect Plan

ICICI Lombard MaxProtect health insurance plan is a multiple-benefit p ...Read More

Up to 3 Crores
Sum insured
1
No. of plans
320+
Pan India presence
97.16%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,704 reviews
🏥 10,600+ hospitals
📊 2.69 solvency ratio
✅ 97.16% claim settlement

About ICICI Lombard MaxProtect Plan

A quick read on what this ICICI Lombard Health Insurance plan covers and why it might be a fit for you.

ICICI Lombard MaxProtect health insurance plan is a multiple-benefit provider plan that comes with affordable premiums. It has two variants ie, Classic and Premium with a whopping large sum insured of INR 1 Crore.

The plan offers other benefits like exclusive worldwide coverage, modern-day treatment procedures, reset benefits, multi-year policy discounts and much more. The details of the ICICI Lombard MaxProtect health plan are further mentioned below. Read the article thoroughly and make an informed decision before investing in this plan.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
21 - 65 Years
Plan type
Individual and Family Health Insurance
Sum insured options
₹1 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1/2/3 Years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Worldwide coverage
  • Modern-day treatment procedures
  • Reset benefits

Cons

  • Maternity cover
  • OPD not covered
  • Daily hospital cash

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Covered
  • Health check-up Not covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Benefits of ICICI Lombard MaxProtect Health Insurance

For investing in the ICICI Lombard MaxProtect Health Insurance plan, you must be aware of the benefits it offers. The major features that are attached to this plan are mentioned below:-

  • Access to modern healthcare

    The plan covers expenses against stem cell therapy, oral chemotherapy, robotic surgeries, etc if recommended. It's to make sure that you get access to technological modern-day procedures.

  • Worldwide policy coverage

    There's optional global coverage for medical treatment and daycare procedures after completing your specified waiting period.

  • Assured cumulative bonuses

    For each claim-free year, the policyholder receives a guaranteed cumulative bonus of 20%. Your sum insured will keep increasing at this rate until it gets to 100% of the actual sum insured.

  • Sum insured reset benefits

    If the sum insured under this plan gets exhausted, you are free to add more sum insured for seamless and continued medical support.

  • Multi-year plan discounts

    With a 2 or 3-year policy tenure under the ICICI Lombard MaxProtect plans, you are eligible for a 10-15% discount on overall premiums.

  • Tax Benefits

    All the premiums paid towards ICICI Lombard MaxProtect Health Insurance plans are eligible for tax benefits under Section 80D of the Income Tax Act.

Additional Benefits Offered By ICICI Lombard MaxProtect Plan

  • This plan gives coverage for Bariatric surgery
  • Claim Protector available in the Premium variant
  • Reset SI is applicable

* Bariatric surgery is covered in specification with the doctor's mandate. For further reference, refer to the policy wordings of ICICI Lombard MaxProtect Health Insurance Plan.

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • This policy schedule has some exclusions that are mentioned below:
  • Pre-existing conditions are covered only after the 48th month of the waiting period. It can be reduced to 24 months with a pre-existing disease waiver rider
  • Daycare procedures like cataract treatment, hernia, varicose veins, etc are covered after a 24-month waiting period
  • Any kind of external congenital illnesses like cosmetic/beautification/plastic surgery, etc
  • Investigation and evaluation purposes
  • Obesity/weight control/liposuction
  • Hazardous/adventure sports/nuclear wars, defensive attacks, etc
  • Breach of the law, alcoholism, drug, or substance abuse cases, etc
  • Unproven treatments, rest care, rehabilitation, etc
  • Sterility and infertility, birth control, gender change treatments, etc
  • Maternity expenses like childbirth (complicated deliveries and caesarean sections, except ectopic pregnancy), miscarriage (except an accident) and lawful medical termination of pregnancy during the policy period
  • Hypertension, diabetes, cardiac arrests, organ transplants, donor expenses, etc

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry age: 21 to 65 years
  • Sum Insured: Upto 1 Cr
  • Initial Waiting Period: 30 Days

Other features & benefits

Wrapping it up

Health insurance ensures your protection against any medical emergencies coming your way. With the 1 crore health plan of ICICI Lombard MaxProtect, you get a large cover with additional benefits. Like global coverage, guaranteed discounts and bonuses, unlimited online consultations in an emergency, and other preventive measures to stay healthy. ICICI Lombard is well-known for its claim settlement record (CSR 2021-22 is 97.7%) and has one of the fastest-responding customer support.

To compare and purchase a 1 crore comprehensive health insurance visit our official website of PolicyX.

ICICI Lombard MaxProtect Plan: FAQs

The 4 most-asked questions about ICICI Lombard MaxProtect Plan, answered.

ICICI Lombard MaxProtect Health Insurance plans purely provide coverage according to your requirements. The maximum sum insured under the plan is up to 1 Crore.
No, maternity coverage benefits are not included in the plan. However, you can check out health insurance plans with maternity coverage here.
The ICICI Lombard MaxProtect plans are designed for individuals who are below or up to 65 years and not more than that.
Additional treatments like daycare treatments, modern treatments, AYUSH treatments, and bariatric surgery* are covered.

Conclusion

A high coverage modern health plan with advanced features and global benefits, best for high protect

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 19 Mar 2024 · Originally published: 18 Nov 2024

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