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Insurance Plans Comparison

Care Ultimate (Direct) vs ICICI Lombard Max Protect Premium

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Care

What Makes It Special:

Ultimate (Direct) is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.

Best For:

  • Not available
VS
ICICI Lombard

Max Protect Premium

A ₹1 crore family cover with international treatment and any-room access

What Makes It Special:

Max Protect Premium is the higher MaxProtect variant with a ₹1 crore sum insured. It adds international treatment cover, air ambulance access, and a claim protector feature, and allows any room category except suite.

Best For:

  • Buyers who do not need maternity cover or outpatient consultations

  • Frequent travellers who want air ambulance access

  • Buyers who want access to any room category except suite

  • Families who want a ₹1 crore sum insured with restoration

  • Buyers who need international treatment cover

Insurance Plans Comparison

Get Personalized Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Quick Decision Guide

Care Ultimate (Direct)

Not available

ICICI Lombard Max Protect Premium

  • Kindly consult the insurer on co-payment and sublimits before buying.

  • Maternity and outpatient consultations are not covered.

  • Confirm the international cover limits, since the policy wording is not yet verified.

  • The PED waiting period is 3 years, so consider the add-on that reduces it to 2 years.

  • Premium costs more than Classic, so compare the added international benefits against your needs.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Ultimate (Direct)
Ultimate (Direct)

Health Insurance Plan

Brochure

VS
Max Protect Premium
Max Protect Premium

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Ultimate (Direct)

The cost of hospital room accommodation is covered under a health insurance policy, subject to specified limits.

No limit on room rent or ICU charges, allowing policyholders to choose any hospital room without financial constraints.

VS

Max Protect Premium

Any room except suite. Suite room charges are shared with the insurer.

Advanced Treatments

Ultimate (Direct)

Modern medical procedures like robotic surgery or stem cell therapy, often covered under specialized insurance plans.

Covers modern procedures like robotic surgery, stem cell therapy, oral chemotherapy, and deep brain stimulation for critical illnesses.

VS

Max Protect Premium

Information Unavailable

ICU Charges

Ultimate (Direct)

Information Unavailable

VS

Max Protect Premium

Kindly refer to policy wording

Co-payment

Ultimate (Direct)

A fixed percentage of the claim amount that the insured must pay out-of-pocket before the insurer covers the rest.

No mandatory co-payment for policyholders under 61; a 20% co-payment applies for those purchasing after turning 61.

VS

Max Protect Premium

Kindly refer to policy wording.

Disease-wise sublimits

Ultimate (Direct)

Information Unavailable

VS

Max Protect Premium

Kindly refer to the policy wording.

Waiting Period

Ultimate (Direct)

The duration after policy issuance during which certain illnesses or conditions are not covered.

Coverage begins after 30 days for general illnesses, two years for specific conditions, and three years for pre-existing diseases.

VS

Max Protect Premium

Information Unavailable

Cashless Healthcare Providers

Ultimate (Direct)

Hospitals and clinics within an insurer’s network where policyholders can receive treatment without upfront payments.

 

Access to over 24,800 network hospitals for cashless treatment, ensuring hassle-free hospitalization without upfront payments.

VS

Max Protect Premium

14,000+ cashless network hospitals

Restoration Benefit

Ultimate (Direct)

Information Unavailable

VS

Max Protect Premium

Restores up to 100% of the sum insured, multiple times in a policy year. Kindly consult the conditions.

Daycare Treatment

Ultimate (Direct)

Medical procedures requiring less than 24-hour hospitalization, such as cataract surgery or chemotherapy.

 

Covers treatments requiring hospitalization of less than 24 hours, such as cataract surgeries, chemotherapy, and other specialized procedures.

VS

Max Protect Premium

Kindly refer to the policy wording.

Cumulative Bonus

Ultimate (Direct)

Information Unavailable

VS

Max Protect Premium

Kindly review the policy wording.

Consumable Cover

Ultimate (Direct)

Information Unavailable

VS

Max Protect Premium

Kindly refer to policy wording.

AYUSH Treatment

Ultimate (Direct)

Information Unavailable

VS

Max Protect Premium

Kindly refer to policy wording.

Initial Waiting Period

Ultimate (Direct)

Information Unavailable

VS

Max Protect Premium

30 DAYS

Specific Waiting Period

Ultimate (Direct)

Information Unavailable

VS

Max Protect Premium

Kindly refer to policy wording.

PED Waiting Period

Ultimate (Direct)

Information Unavailable

VS

Max Protect Premium

3 years, reducible to 2 years with the add-on

Modern Treatment

Ultimate (Direct)

Information Unavailable

VS

Max Protect Premium

Covered. Kindly consult for limits.

Annual Health Checkup

Ultimate (Direct)

Information Unavailable

VS

Max Protect Premium

Not offered

Pre-Hospitalisation

Ultimate (Direct)

Information Unavailable

VS

Max Protect Premium

60 days before hospitalisation. Kindly confirm.

Post-Hospitalisation

Ultimate (Direct)

Information Unavailable

VS

Max Protect Premium

180 days after discharge. Kindly confirm.

Outpatient Department Cover (OPD Expense)

Ultimate (Direct)

Information Unavailable

VS

Max Protect Premium

Not covered. Doctor consultations are not covered.

Deductible Option

Ultimate (Direct)

Information Unavailable

VS

Max Protect Premium

Kindly refer to policy wording.

Coverage Options

Ultimate (Direct)

Information Unavailable

VS

Max Protect Premium

₹1 crore base cover. Room rent modifier and PED reduction add-ons available.

Claim Settlement Ratio

Ultimate (Direct)

Information Unavailable

VS

Max Protect Premium

FY 24-25: ~84%

Maternity Cover

Ultimate (Direct)

Information Unavailable

VS

Max Protect Premium

Not offered

Insurance Plans Comparison

Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Why Choose Our Expert Consultation?

End-to-End Support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

Smart, Tech-Enabled Experience

  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

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