ICICI Lombard Max Protect Plan

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*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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      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.

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      ICICI Lombard Max Protect Plan: Key Highlights

      Categories Specifications
      Sum Insured ₹50 lakh & above
      Variants Classic, Premium
      Policy Tenure 1 year, 2 years, 3 years
      Pre-Policy Medical Check-ups No required for up to 45 years with an SI of ₹50 lakh
      Pre-existing Diseases Waiting Period 4 years
      Discount Up to 15% tenure discount
      Up to 16% zone-based discount
      Co-payment Up to 16% zone-based co-payment

      Benefits of ICICI Lombard Max Protect Plan

      Check out the various ICICI Lombard Max Protect plan benefits below:

      1. Unlimited Restoration of the Sum Insured

        With the reset benefit, the ICICI Lombard Max Protect policy will be fully restored unlimited times in a policy year if the original coverage amount was exhausted in previous claims.

      2. Coverage for Non-Medical Expenses

        Unlike most health insurance plans, this ICICI Lombard health policy covers the expenses incurred on non-medical items or consumables, such as syringes, cotton, gloves, masks, etc. However, this coverage is available only under the Premium variant.

      3. Worldwide Coverage

        The ICICI Lombard General Insurance Company covers the cost of hospitalization and day care treatment abroad with this global health insurance policy. However, this coverage is available only with the Premium variant.

      4. Preventive Health Check-ups

        People can avail preventive health check-up benefits at any network provider of the insurance company with this medical insurance policy. However, this facility is only available under the Premium variant.

      5. Value-Added Services

        Policyholders can access various value-added services on buying this mediclaim insurance policy, including ambulance assistance, a health assistance team and deals & discounts on products and services.

      6. Cumulative Bonus

        The insurance company provides a cumulative bonus of 20% up to a maximum of 100% if the policyholder does not file a claim in the previous policy year.

      7. Tax Benefits

        The premium paid to buy an ICICI Lombard Max Protect plan can be used to earn tax deductions under Section 80D of the Income Tax Act.

      ICICI Lombard Max Protect Plan Eligibility Criteria

      The eligibility criteria to purchase an ICICI Lombard Max Protect plan are as follows:

      Parameters Eligibility Criteria
      Minimum Entry Age Adult – 21 years
      Child – 91 days
      Maximum Entry Age Adult – 65 years
      Child – 20 years
      Coverage Type Individual & Family Floater
      Renewability Lifetime

      Inclusions of ICICI Lombard Max Protect Plan

      The ICICI Lombard Max Protect plan includes the following coverage:

      • In-patient Care – It 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.
      • Day Care Procedures/Treatments – It covers the medical expenses incurred on availing day care procedures or treatments that require less than 24 hours of hospitalization.
      • Modern Treatments – It pays for the cost of 12 modern treatments, including deep brain stimulation, robotic surgeries, stem cell therapy, oral chemotherapy, etc.
      • Pre-hospitalization Medical Expenses – It covers the medical expenses incurred for up to 60 days before hospitalization.
      • Post-hospitalization Medical Expenses – It pays for the medical expenses incurred up to 180 days after hospital discharge.
      • In-patient AYUSH Hospitalization – It covers the cost of in-patient treatment availed at a hospitalization or day care centre for Ayurveda, Siddha, Homeopathy, Yoga & Naturopathy and Unani.
      • Donor Expenses – It pays for the medical expenses incurred by the organ donor for the organ transplant surgery of the insured.
      • Domiciliary Hospitalization – It covers the cost of domiciliary hospitalization availed for at least 3 consecutive days.
      • Domestic Road Ambulance – It pays for the emergency road ambulance services used to transfer the insured to the nearest hospital.
      • Teleconsultation – It covers the cost of availing medical consultations and recommendations for routine health issues through audio, video, chat, mobile application or online modes of communication.
      • Bariatric Surgery – It pays for the medical expenses incurred by the insured while undergoing bariatric surgery.
      • Air Ambulance – It covers the charges for using air ambulance services to transfer the insured to the nearest hospital during a medical emergency. This coverage is available under the Premier plan only.
      • Home Care Treatment – It pays for the medical treatments taken at home on the recommendation of a medical practitioner. This coverage is available under the Premier plan only.
      • Worldwide Cover – It covers the in-patient hospitalization and day care treatment expenses incurred outside India. This coverage is available under the Premier plan only.
      • Claim Protector – It pays for the non-medical items that are excluded under in-patient hospitalization cover. This coverage is available under the Premier plan only.
      • Second Opinion Critical Illness – It covers the cost of availing e-opinion from an empanelled doctor of the insurance company in case the insured is diagnosed with a listed critical illness. This coverage is available under the Premier plan only.

      Optional Covers:

      • PED Waiting Period Reduction – It enables the insured to reduce the pre-existing disease waiting period from 4 years to 2 years.

      Room Eligibility – It allows the insured to change the eligibility for the existing hospital room.

      Exclusions of ICICI Lombard Max Protect Plan

      The following coverage are excluded in an ICICI Lombard Max Protect plan:

      • Maternity expenses
      • Treatment for alcohol or drug addiction
      • OPD treatment
      • Infertility and sterility treatments
      • Obesity and weight control treatments
      • Treatment due to participation in adventure or hazardous sports
      • External congenital illnesses
      • Intentional self-injury

      ICICI Lombard Max Protect Plan Waiting Periods

      Take a look at various waiting periods applicable to an ICICI Lombard Max Protect plan:

      Category Waiting Period
      Pre-existing Disease Waiting Period 4 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

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