About ICICI Lombard Max Protect Plan
ICICI Lombard Max Protect provides maximized coverage benefits with limitless sum insured options, worldwide coverage and unlimited restoration of the sum insured. It helps policyholders save more money by covering non-medical items, like bandages, syringes, cotton, etc. Moreover, this ICICI Lombard health insurance policy comes with no hospital room rent limit and offers unlimited teleconsultation services.
ICICI Lombard Max Protect Plan: Key Highlights
| Categories | Specifications |
|---|---|
| Sum Insured | ₹5 lakh & above |
| Pre-Policy Medical Check-ups | No required for up to 45 years with an SI of ₹50 lakh |
| Pre-existing Diseases Waiting Period | 3 years |
| Discounts | Up to 15% tenure discount Up to 16% zone-based discount |
or select from popular citiessSearch Max Protect Classic Cashless Network Hospital list
Key Benefits of ICICI Lombard Max Protect Plan
ICICI Lombard Max Protect Plan Inclusions, Exclusions & Optional Cover
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In-patient CareIt pays for hospitalization expenses, such as nurse charges, hospital room rent, medical practitioner’s fees, etc., in case the insured is admitted for at least 24 hours.
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Day Care Procedures/TreatmentsIt covers the medical expenses incurred on availing day care procedures or treatments that require less than 24 hours of hospitalization.
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Modern TreatmentsIt pays for the cost of 12 modern treatments, including deep brain stimulation, robotic surgeries, stem cell therapy, oral chemotherapy, etc.
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Pre-hospitalization Medical ExpensesIt covers the medical expenses incurred for up to 60 days before hospitalization.
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Post-hospitalization Medical ExpensesIt pays for the medical expenses incurred up to 180 days after hospital discharge.
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In-patient AYUSH HospitalizationIt covers the cost of in-patient treatment availed at a hospitalization or day care centre for Ayurveda, Siddha, Homeopathy, Yoga & Naturopathy and Unani.
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Maternity ExpensesIt does not cover the costs of deliveries or expenses related to the treatment of the newborn baby.
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Treatment for Alcohol or Drug AddictionIt excludes expenses incurred on treating alcoholism or drug addiction.
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OPD TreatmentIt excludes costs associated with outpatient doctor consultations, pharmacy bills, and diagnostic tests.
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Infertility and Sterility TreatmentsIt does not cover costs for sterilization, birth control, surrogacy or assisted reproductive treatments like IVF.
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Weight Control ProceduresIt does not pay for the treatment of obesity or weight management procedures unless advised by the doctor.
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Treatment of Adventure Sports InjuriesIt excludes expenses incurred to treat injuries from adventure sports activities like rafting, horse racing, rock climbing, etc.
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PED Waiting Period ReductionIt enables the insured to reduce the pre-existing disease waiting period from 4 years to 2 years.
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Room EligibilityIt allows the insured to change the eligibility for the existing hospital room.
ICICI Lombard Max Protect Plan Waiting Periods
| Categories | Waiting Period |
|---|---|
| Pre-existing Disease Waiting Period | 3 years |
| Specified Diseases/Procedures Waiting Period | 2 years |
| Initial Waiting Period | 30 days |
| Diabetes/Hypertension/Cardiac Conditions Waiting Period | 90 days |
| Worldwide Cover Waiting Period | 2 years |
In case of emergency we are just a call away. Take care of your family, we will do the rest. Our claim specialists will reach your location & complete the formalties from filing the claim to documentation to coordinating with insurer, TPA & hospital. Available in New Delhi and 114+ cities View cities list ›Policybazaar Claim Process
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ICICI Lombard Max Protect Plan: FAQs
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Q. What is claim protector in ICICI Lombard Max Protect?
Ans: The claim protector cover under the ICICI Lombard Max Protect plan provides coverage for non-medical items or consumables, which are usually not covered under health insurance. These include masks, gloves, syringes, bandages, etc. -
Q. How can I check the ICICI Lombard Max Protect plan cost?
Ans: You can check the ICICI Lombard Max Protect plan price by going through its premium chart. You can also use an ICICI Lombard health insurance premium calculator to determine the cost of buying the policy. -
Q. How many day care treatments are covered by ICICI Lombard Max Protect?
Ans: The ICICI Lombard Max Protect policy covers all day care treatments.
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Q. What is the advantage of selecting a policy with a duration of more than 1 year?
Ans: If one buys Aditya Birla Health Insurance for more than a year, one can save 7.5 % and 10% on the 2 and 3 years premium, respectively.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. What is a waiver of a mandatory co-pay cover?
Ans: This benefit is covered on payment of an additional premium. Therefore, any mandatory co-payment that is applicable under the Aditya Birla Activ Health Essential Plan will be waived off.
ICICI Lombard offers two types of claim settlements – cashless and reimbursement. Follow the steps to raise a claim:
- Find the nearest network hospital of ICICI Lombard
- Get admitted to the hospital
- Notify the insurance company about the hospitalization
- In case of pre-planned hospitalization, intimate the insurer before hospital admission.
- Fill up the pre-authorization form and submit it to the hospital staff
- The pre-authorization form will be sent to ICICI Lombard for approval.
- Once approved, obtain medical treatment.
- At the time of discharge, sign all the medical documents.
- Pay for the items/services not covered under the ICICI Lombard policy
- The network hospital will send the hospital bill to ICICI Lombard.
- After review, the insurance company will pay the bill amount directly to the network hospital.
- Inform the insurance company about the hospitalization
- In case of planned hospitalization, notify the insurer before hospital admission.
- Receive medical treatment
- At the time of discharge, pay the entire hospital bill in full.
- Collect all the medical documents, bills and payment receipts
Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim
