ICICI Lombard MaxProtect Plan
  • Up to 1 Crore SI
  • International Coverage
  • Modern treatment covered
ICICI Lombard Health Insurance
premium

Network hospitals

7500+

premium

Incurred claim ratio

77.33%

premium

Sum insured

Up to 1 CR

premium

No. of Plans

8

premium

Solvency Ratio

2.5

premium

Pan India Presence

300+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

7500+

premium

Incurred claim ratio

77.33%

premium

Sum insured

Up to 1 CR

premium

No. of Plans

8

premium

Solvency Ratio

2.5

premium

Pan India Presence

300+

ICICI Lombard MaxProtect Health Plan

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.

Eligibility criteria for ICICI Lombard MaxProtect Health Insurance

Check here, the eligibility criteria for purchasing the plan before purchasing it:-

Entry Age

Minimum Child: 3 Months (91 Days) - 20 Years

Adult Entry Age

Adult: 21 - 65 Years

Policy Type

Individual/ Family Floater

Sum Insured

Upto 1 Cr

Policy Term

1/2/3 Years

Initial Waiting Period*

30 Days*

*The Initial Waiting Period is the 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.

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.

Choose your ICICI Lombard MaxProtect Health Insurance

This plan has two variants of which the coverage benefits are given below:-

Read more specifications in the brochure.

SI Up to INR 1 Crore

What is Room Rent?

Room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common Room categories covered under room rent are:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under ICICI Lombard MaxProtect

Under ICICI Lombard MaxProtect Health Plan, the room rent is covered up to SI.

What are ICU Charges?

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under ICICI Lombard MaxProtect

Under the ICICI Lombard MaxProtect Health Plan, ICU charges are covered up to SI.

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under ICICI Lombard MaxProtect

ICICI Lombard MaxProtect Health Plan covers medical expenses incurred during pre-hospitalization up to 60 days.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under ICICI Lombard MaxProtect

ICICI Lombard MaxProtect Health Plan covers medical expenses incurred during post-hospitalization up to 180 days for classic and premium plan variants.

What is Domiciliary Hospitalization?

Home hospitalization arrangements for the insured person due to the unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.

Coverage status under ICICI Lombard MaxProtect

Under the ICICI Lombard MaxProtect Health Plan, domiciliary hospitalization is covered upto SI.

What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under ICICI Lombard MaxProtect

Under ICICI Lombard MaxProtect Health Plan all day care treatments are covered which does not need overnight hospitalization.

What are OPD charges?

Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization.

Coverage status under ICICI Lombard MaxProtect

ICICI Lombard MaxProtect Health Plan does not cover OPD expense

What is COVID-19 Treatment?

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under ICICI Lombard MaxProtect

Covid-19 Covered.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under ICICI Lombard MaxProtect

ICICI Lombard MaxProtect Health Plan does not cover cataract treatment expenses

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under ICICI Lombard MaxProtect

A cumulative bonus is available under the ICICI Lombard MaxProtect Health Plan wherein the Sum Insured is increased by 100% of the Base Sum Insured in respect of each claim-free Policy Year.

What is Automatic Restoration?

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under ICICI Lombard MaxProtect

Unlimited Auto Restoration is available under ICICI Lombard MaxProtect Health Plan Unlimited (Not applicable for unlimited SI)

What is Daily Hospital Cash?

It is a cash amount that you receive each day during the time of hospitalization.

Coverage status under ICICI Lombard MaxProtect

The daily hospital cash is not available under the ICICI Lombard MaxProtect Health Plan

What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under ICICI Lombard MaxProtect

Under the ICICI Lombard MaxProtect Health Plan, organ donor expenses are covered up to SI.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedure deliveries.

Coverage status under ICICI Lombard MaxProtect

Maternity expense coverage is not available under the ICICI Lombard MaxProtect Health Plan

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the new borncover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Pre-mature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under ICICI Lombard MaxProtect

New Born Baby Cover is only available in specific conditions under the ICICI Lombard MaxProtect Health Plan

What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under ICICI Lombard MaxProtect

Covered Under ICICI Lombard MaxProtect Health Plan up to SI.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under ICICI Lombard MaxProtect

Not available under ICICI Lombard MaxProtect Health Plan.

What is a Modern Treatment?

Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under ICICI Lombard MaxProtect

Under ICICI Lombard MaxProtect Health Plan modern treatments are covered up to SI.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to the hospital, transfer to another hospital, and take them for different tests outside the hospital.

Coverage status under ICICI Lombard MaxProtect

Covered up to INR 10,000 under ICICI Lombard MaxProtect Health Plan.

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under ICICI Lombard MaxProtect

Air Ambulance is covered under ICICI Lombard MaxProtect Health Plan

  • Not covered for the Classic variant of the plan
  • Up to the sum insured under the Premium plan variant
What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholder gets admitted to a hospital outside his/her residential city.

Coverage status under ICICI Lombard MaxProtect

Under ICICI Lombard MaxProtect Health Plan compassionate travel is not available

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under ICICI Lombard MaxProtect

Under ICICI Lombard MaxProtect Health Plan Global treatment is available

  • Not covered under the Classic variant of the plan
  • Covered Up to SI at a maximum of up to INR 3 Crore under the Premium variant of the plan
What is E-Consultation?

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under ICICI Lombard MaxProtect

ICICI Lombard MaxProtect Health Plan provides unlimited e-consultation for both of the variants (Classic and Premium) under this plan.

What is a Health Checkup?

A facility where the policyholder can avail of free health check-ups after fulfilling the company's policies.

Coverage status under ICICI Lombard MaxProtect

Under the ICICI Lombard MaxProtect Health Plan:-

  • Not covered in the Classic plan
  • Covered for Premium MaxProtect plan up to INR 10,000 per policy
What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company's network of medical practitioners.

Coverage status under ICICI Lombard MaxProtect

Under the ICICI Lombard MaxProtect Health Plan, an unlimited second opinion is available for critical illness.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under ICICI Lombard MaxProtect

Not covered

What is Co-payment?

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Coverage status under ICICI Lombard MaxProtect

Applicable, voluntary co-payment.

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.

Coverage status under ICICI Lombard MaxProtect

Applicable

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.

What is not covered (Exclusions) under ICICI Lombard MaxProtect Health Insurance

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

How to claim ICICI Lombard MaxProtect Health Insurance?

To avail of claim settlement services, the insured individual must follow the process below:-

  • Visit the official website of ICICI Lombard Health Insurance
  • Click on the 'Claim' button on the header of the official website.
  • For claim intimation, the official website has a pre-authorized form that you can fill in with details like name, contact number, email, policy number, city, and product name and click on the Submit' button.
  • Individuals can call the toll-free number 1800 2666 or SMS 'CLAIM' to 575758 or email their details to customersupport@icilombard.com and get their claim settlement procedure info.

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

Explore more plans from ICICI Lombard

ICICI Lombard Insurance company offers several tailored health plans that are designed to serve you in the best way possible. Take a look:

Standard Health Insurance

A standard Health plan that offers coverage up to 5 lakhs to the insured & his family. The plan offers you everything you need under a health insurance plan.

Unique Features

  • Cumulative Bonus
  • Cataract treatment covered
  • Modern Procedures covered

Arogya Sanjeevani Policy (Pros)

  • Intensive Cardiac Care Charges
  • Ambulance charges up to 2000
  • Cataract treatment
  • In-patient hospitalization
  • Uterine Artery Embolization

Arogya Sanjeevani Policy (Cons)

  • No Eyesight correction expenses
  • Fertility expenses not covered
  • Nursing at home not covered
  • OPD expenses not covered
  • No Non-allopathic Treatment

Arogya Sanjeevani Policy (Other Benefits)

  • Floater benefit
  • Pre-existing diseases after 4 yrs
  • In-patient AYUSH treatment
  • Daycare procedures
  • Pre and post-hospitalisation

Arogya Sanjeevani Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Maximum Entry Age - 65 Years
  • SI - 1 L to 5 L
  • Waiting Period - 30 Days

Saral Suraksha Plan

ICICI Lombard Saral Suraksha Bima

A plan that offers coverage for accidental death and disablement, temporary total disablement and gives Education Grant.

Unique Features

  • 100% Death Benefit
  • Emergency Care
  • Cumulative Bonus up to 50 %

Saral Suraksha Bima (Pros)

  • 10% Education Grant
  • Temp. Total Disablement cover
  • In-Patient Care
  • Total Disablement cover
  • Partial Disablement cover

Saral Suraksha Bima (Cons)

  • Hazardous sports not covered
  • No Intentional self-injury cover
  • Alcoholism not covered
  • Injury due to violation of the law
  • Obesity treatment not covered

Saral Suraksha Bima (Other Benefits)

  • Plastic surgery after accident
  • Surgical Procedure after accident
  • 50% Cumulative Bonus
  • All Day Care Treatment
  • Dental Treatment after accident

Saral Suraksha Bima (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -70 Years
  • SI - 2 L to 5 L
  • Waiting Period -30 Days

Top-up

A Top-up plan that offers extra coverage to you and your family with a comparatively lower premium with a policy deductible principle.

Unique Features

  • Wellness Programs
  • Critical Illnesses Covered
  • Lifetime Renewability available

Health Booster (Pros)

  • No Check-up up to 10 Lakh
  • Discount of up to 12.5%
  • Cashless treatment Hospitals
  • Reimbursement within 14 days
  • Deductible options (3/4/5 lakhs)

Health Booster (Cons)

  • No international Coverage
  • No Alcohol or drug abuse
  • No Refractive error correction
  • Dental treatment not covered
  • No hearing impairment correction

Health Booster (Other Benefits)

  • Hospital Daily Cash
  • Convalescence Benefit
  • Personal Accident Cover
  • Repatriation of Remains
  • (TTD) Rehabilitation Cover

Health Booster (Eligibility Criteria)

  • Entry Age - 18 Years
  • No Upper Age Limit
  • SI - 5 L to 50 L
  • Waiting Period - 30 Days

Personal Accident

The plan offers personal accident coverage on an individual and family floater basis, with coverage up to 25Lakhs.

Unique Features

  • Permanent Disability Covered
  • No pre-medical required
  • Worldwide coverage

Personal Protect Plan (Pros)

  • All Disablement Covered
  • Accidental Hospital Allowance
  • Rail accidents covered
  • Natural Peril Injury CFovered
  • No health check-up required

Personal Protect Plan (Cons)

  • Change of Gender Treatments
  • Cosmetic or Plastic Surgery
  • Dental treatment not covered
  • Maternity expenses not covered
  • No Global Coverge

Personal Protect Plan (Other Benefits)

  • No Injuries in terrorism covered
  • Hospital Daily Allowance Benefit
  • Accidental Hospital Allowance
  • Funeral Expenses covered
  • Children's Education Grant Benefit

Personal Protect Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 25 L
  • Waiting Period - 30 Days

Covid specific Plan

Corona Kavach Plan

A plan mandated by IRDAI that offers covers the hospitalization expenses if the insured is tested positive for Covid-19.

Unique Features

  • Flexible Sum Insured
  • Home-care treatment covered
  • Treatment for comorbid

Corona Kavach Plan (Pros)

  • Covid Hospitalization charges
  • Home Care Treatment Expenses
  • AYUSH Treatment Covered
  • Hospital Daily Cash
  • Flexible Policy Period

Corona Kavach Plan (Cons)

  • Dietary supplements expenses
  • Unproven Treatments expenses
  • Respite care not covered
  • Investigation Expenses
  • Rehabilitation not covered

Corona Kavach Plan (Other Benefits)

  • Inpatient hospitalization
  • Family Floater Benefit
  • In-patient treatment
  • Home care treatment
  • Post-hospitalisation

Corona Kavach Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 50 Thousand to 5 L
  • Waiting Period - 15 Days

Senior Citizens

A senior citizen plan that covers medical expenses resulting from hospitalisation, health check-ups, day-care procedures and more.

Unique Features

  • Affordable Medical Care
  • Care Management Program
  • Reset Benefit

Golden Shield Plan (Pros)

  • Nursing at home
  • Free annual health check-ups
  • Air ambulance coverage
  • Tele consultations
  • AYUSH treatments

Golden Shield Plan (Cons)

  • Voluntary Deductible amount
  • Expenses Outside India
  • No Acupressure Treatments
  • 2-Year Waiting Period
  • Obesity/Weight Control treatment

Golden Shield Plan (Other Benefits)

  • Pharmacy Cover up to Rs 2,000
  • Out-patient consultations
  • Can update a family member
  • Routine Diagnostics covered
  • Minor Procedure Covered

Golden Shield Plan (Eligibility Criteria)

  • Entry Age - 56 Years
  • Max Age -No Upper age limit
  • SI - 3 L to 10 L
  • Waiting Period -24 Months

Senior Citizen Plan

A comprehensive plan for you and your family covering

Unique Features

  • Swine Flu Treatment Covered
  • Pre Existing Disease Covered
  • Cumulative Bonus upto 50 %

Health AdvantEdge (Pros)

  • No health check-ups
  • Domestic Air Ambulance
  • 24x7 Customer Support
  • Newborn baby and vaccine cover
  • Health rewards

Health AdvantEdge (Cons)

  • No Non-allopathic Treatments
  • Unproven treatment not covered
  • HIV/AIDS treatments not covered
  • 3-Year Waiting Period
  • Obesity treatment not covered

Health AdvantEdge (Other Benefits)

  • Bariatric surgery cover
  • Maternity Expenses Covered
  • Orthopaedic Expenses Covered
  • Chemotherapy Covered
  • Eye Surgery Covered

Health AdvantEdge (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI - 2 L to 5 L
  • Waiting Period -30 Days

Senior Citizen Plan

A versatile health insurance plan with vital features like outpatient treatment coverage, Maternity Benefits, Newborn Baby Cover, and more.

Unique Features

  • Worldwide cover
  • Daycare Procedures Covered
  • OPD cover

Health Shield 360 (Pros)

  • Wellness Benefits
  • Pre Hospitalization Cover
  • Post Hospitalization Cover
  • Compassionate Visit
  • No-claim Bonus

Health Shield 360 (Cons)

  • Obesity/ weight control
  • Change of gender treatments
  • Cosmetic or plastic surgery
  • Hazardous or adventure sports
  • Breach of law

Health Shield 360 (Other Benefits)

  • Automatic Restoration
  • Organ Donor cover
  • Reset Benefits
  • Additional sum insured option
  • Air Ambulance

Health Shield 360 (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 75 Years
  • SI - 75 L - 1 Crore
  • Waiting Period - 30 Days

ICICI Lombard MaxProtect Health Plan : FAQ's

1. What are the sum insured options available under ICICI Lombard MaxProtect Health Insurance?

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.

2. Do I get maternity coverage with the ICICI Lombard MaxProtect plan?

No, maternity coverage benefits are not included in the plan. However, you can check out health insurance plans with maternity coverage here.

3. Can I buy this plan for my parents who are over the age of 65?

The ICICI Lombard MaxProtect plans are designed for individuals who are below or up to 65 years and not more than that.

4. Which of the additional treatments are covered under ICICI Lombard MaxProtect Health Insurance?

Additional treatments like daycare treatments, modern treatments, AYUSH treatments, and bariatric surgery* are covered.

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Simran Nirala

Written By: Simran Nirala

Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner she keeps her audience hooked and solves their doubts smoothly.