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Insurance Plans Comparison

Care Plus Youth 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

Plus Youth

Care Plus Youth is a health insurance plan for young adults, offering hospitalisation cover, unlimited automatic recharge, OPD benefits and protection against rising medical costs.

What Makes It Special:

Care Plus Youth is designed for young adults, with individual and family floater options. Its benefits include hospitalisation, OPD consultations and dental and eye treatments, No Claim Bonus Protect, Inflation Shield and unlimited automatic recharge, subject to policy terms.

Best For:

  • Couples or families considering optional maternity and newborn cover.

  • Individuals looking for automatic recharge and a no-claim bonus.

  • Customers who value OPD consultations and dental and eye treatment benefits.

  • People who want hospitalisation and eligible daycare treatment cover.

  • Young adults looking to buy individual health insurance early.

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 Plus Youth

  • If you need maternity cover, verify eligibility, the 24-month waiting period and the applicable benefit limit.

  • Check the OPD limits and whether the optional Smart Select benefit suits your preferred hospitals.

  • Review room-rent and ICU limits based on your chosen sum insured.

  • Check the 30-day initial waiting period, 24-month named-ailment waiting period and 36-month PED waiting period.

  • Choose a sum insured that suits your healthcare needs and budget.

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

Plus Youth
Plus Youth

Health Insurance Plan

Brochure

Policy Wording

VS
Max Protect Premium
Max Protect Premium

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Plus Youth

For sum insured below ₹5 lakh, room rent is limited to 1% of the sum insured per day. For sum insured of ₹5 lakh or above, the brochure lists a single private AC room.

VS

Max Protect Premium

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

ICU Charges

Plus Youth

For sum insured below ₹5 lakh, ICU charges are limited to 2% of the sum insured per day. For sum insured of ₹5 lakh or above, the brochure states no ICU charge limit.

VS

Max Protect Premium

Kindly refer to policy wording

Co-payment

Plus Youth

The Smart Select optional benefit offers a 15% discount on the base benefit premium and eligible maternity/newborn premium. If treatment is taken at a non-Smart Select network hospital, a 20% co-payment per claim applies under this option.

VS

Max Protect Premium

Kindly refer to policy wording.

Disease-wise sublimits

Plus Youth

Room-rent, ICU and benefit-specific limits apply. OPD, ambulance and optional maternity/newborn cover have defined monetary limits. Review the policy schedule for other applicable restrictions.

VS

Max Protect Premium

Kindly refer to the policy wording.

Cashless Healthcare Providers

Plus Youth

Cashless treatment is available through eligible network hospitals, subject to network status, pre-authorisation and policy conditions. Confirm the current hospital count before publishing a number.

VS

Max Protect Premium

14,000+ cashless network hospitals

Restoration Benefit

Plus Youth

Unlimited Automatic Recharge is included as a listed base benefit. It can replenish the sum insured for eligible claims, subject to the policy’s recharge conditions.

VS

Max Protect Premium

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

Cumulative Bonus

Plus Youth

No Claim Bonus Protect increases the sum insured by 50% per claim-free policy year, up to 200% of the sum insured. If the total claim amount in a policy year is below 25% of the applicable sum insured, the accrued bonus is not reduced in the subsequent year. If the claim amount reaches or exceeds 25%, the accrued bonus may reduce according to the policy terms.

VS

Max Protect Premium

Kindly review the policy wording.

Daycare Treatment

Plus Youth

All eligible daycare procedures are covered up to the sum insured, subject to the policy’s definitions and exclusions.

VS

Max Protect Premium

Kindly refer to the policy wording.

Consumable Cover

Plus Youth

A separate comprehensive consumables benefit is not specified in the uploaded brochure.

VS

Max Protect Premium

Kindly refer to policy wording.

AYUSH Treatment

Plus Youth

Eligible AYUSH treatment is covered up to the sum insured, subject to the policy wording.


VS

Max Protect Premium

Kindly refer to policy wording.

Initial Waiting Period

Plus Youth

30 days from policy commencement for illnesses, except claims arising from accidents, as specified in the brochure.


VS

Max Protect Premium

30 DAYS

Specific Waiting Period

Plus Youth

24 months for named ailments and procedures, subject to the policy wording and applicable exclusions.

VS

Max Protect Premium

Kindly refer to policy wording.

PED Waiting Period

Plus Youth

36 months for pre-existing diseases, subject to disclosure, acceptance and policy terms.

VS

Max Protect Premium

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

Modern Treatment

Plus Youth

Covers eligible advanced technology treatments up to the sum insured, subject to policy terms, exclusions and applicable treatment definitions.

VS

Max Protect Premium

Covered. Kindly consult for limits.

Annual Health Checkup

Plus Youth

Available for adult insured members, subject to the applicable policy terms.

VS

Max Protect Premium

Not offered

Pre-Hospitalisation

Plus Youth

Eligible medical expenses are covered for up to 60 days before an admissible hospitalisation, up to the sum insured.

VS

Max Protect Premium

60 days before hospitalisation. Kindly confirm.

Post-Hospitalisation

Plus Youth

Eligible medical expenses are covered for up to 90 days after discharge from an admissible hospitalisation, up to the sum insured.

VS

Max Protect Premium

180 days after discharge. Kindly confirm.

Outpatient Department Cover (OPD Expense)

Plus Youth

Outpatient consultations and outpatient dental and ophthalmic treatments are covered within specified limits. For sum insured of ₹5 lakh–₹7 lakh, the brochure lists up to ₹1,500; for ₹10 lakh–₹25 lakh, up to ₹2,500. Consultation limits are ₹350 per consultation.

VS

Max Protect Premium

Not covered. Doctor consultations are not covered.

Deductible Option

Plus Youth

No deductible option is listed in the uploaded brochure’s optional-benefit section.

VS

Max Protect Premium

Kindly refer to policy wording.

Coverage Options

Plus Youth

Available as individual or family floater cover, with annual sum insured options listed from ₹3 lakh to ₹25 lakh. The brochure lists several family combinations.

VS

Max Protect Premium

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

Claim Settlement Ratio

Plus Youth

This is an insurer-level metric, not a product-specific ratio. Use Care Health Insurance’s verified latest financial-year claim settlement figure if required; the uploaded brochure does not provide one.

VS

Max Protect Premium

FY 24-25: ~84%

Maternity Cover

Plus Youth

Optional maternity and newborn cover: ₹15,000 for sum insured up to ₹5 lakh and ₹25,000 for sum insured above ₹5 lakh. Available only under specified family-floater combinations, with a 24-month waiting period and eligibility conditions.


VS

Max Protect Premium

Not offered

Insurance Plans Comparison

Still Confused? Get Expert Advice

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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

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

Insurance Plans Comparison

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  • 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.

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