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ICICI Lombard Health Shield 360
ICICI Lombard Health Shield 360 is a comprehensive health insurance policy offering basic medical support, worldwide cover, and health mana…
- Worldwide cashless facility
- Unlimited reset cover
- Daycare procedures
ICICI Lombard Health Insurance
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
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,712 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, i.e., 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.
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
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.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
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.
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 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.
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, ideal for comprehensi
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