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

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 sum insured of INR 1 Crore.

Why Do We Recommend This?
  • Avail worldwide coverage
  • Modern-day treatment procedures
  • Avail reset benefits

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

A quick look at what this plan covers — and what it doesn't.

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

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

Frequently Asked Questions

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 May 2026 · Originally published: 18 Nov 2024

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