ICICI Lombard MaxProtect Plan

Overview

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

The plan offers 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 mentioned below to help you make an informed decision.

Benefits of ICICI Lombard MaxProtect Health Insurance

When investing in the ICICI Lombard MaxProtect Health Insurance plan, it's important to be aware of its benefits. The key features of this plan include:

• Access to Modern Healthcare

  The plan covers expenses for stem cell therapy, oral chemotherapy, robotic surgeries, etc., if recommended, ensuring access to modern technological procedures.

• Worldwide Policy Coverage

  Optional global coverage is available for medical treatment and daycare procedures after completing the specified waiting period.

• Assured Cumulative Bonuses

  For each claim-free year, the policyholder receives a guaranteed cumulative bonus of 20%. The sum insured increases at this rate until it reaches 100% of the original sum insured.

• Sum Insured Reset Benefits

  If the sum insured under this plan is exhausted, it can be reset for seamless and continued medical support.

• Multi-Year Plan Discounts

  Opt for a 2 or 3-year policy tenure under the ICICI Lombard MaxProtect plans to avail a 10-15% discount on overall premiums.

• Tax Benefits

  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

• Coverage for Bariatric surgery
• Claim Protector available in the Premium variant
• Sum Insured Reset is applicable

* Bariatric surgery is covered as per doctor's mandate. For details, refer to the policy wordings of ICICI Lombard MaxProtect Health Insurance Plan.

Exclusions

• Pre-existing conditions are covered after a 48-month waiting period, which can be reduced to 24 months with a pre-existing disease waiver rider.
• Daycare procedures such as cataract treatment, hernia, and varicose veins are covered after a 24-month waiting period.
• External congenital illnesses, cosmetic, beautification, or plastic surgery.
• Expenses for investigation and evaluation purposes.
• Obesity, weight control, or liposuction.
• Hazardous or adventure sports, nuclear wars, or defensive attacks.
• Breach of law, alcoholism, drug, or substance abuse.
• Unproven treatments, rest care, or rehabilitation.
• Sterility, infertility, birth control, or gender change treatments.
• Maternity expenses including childbirth (complicated deliveries and caesarean sections, except ectopic pregnancy), miscarriage (except due to an accident), and lawful medical termination of pregnancy during the policy period.
• Hypertension, diabetes, cardiac arrests, organ transplants, or donor expenses.

Wrapping it up

Health insurance ensures your protection against medical emergencies. With the ICICI Lombard MaxProtect 1 Crore health plan, you get extensive coverage with additional benefits. These include global coverage, guaranteed discounts and bonuses, unlimited online consultations, and preventive health measures. ICICI Lombard is well-known for its claim settlement record (CSR 2021-22 is 97.7%) and fast-responding customer support.

To compare and purchase a 1 Crore comprehensive health insurance plan, visit PolicyX.