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Insurance Plans Comparison

Care Supreme Senior Health AdvantEdge 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

Supreme Senior Health AdvantEdge

Senior citizen health insurance with unlimited automatic recharge, cumulative bonus and optional wellness benefits.

What Makes It Special:

Care Supreme Senior is designed for senior citizens aged 61 years and above, with no upper age limit for adult entry. It offers hospitalisation coverage, day-care treatment, AYUSH treatment, domiciliary hospitalisation, organ donor expenses and unlimited automatic recharge. The product is available through two options—Care Supreme Senior Super and Care...

Best For:

  • Eligible customers who may benefit from optional wellness, health-checkup or OPD-related benefits.

  • Families looking for individual or family floater cover for eligible members.

  • Customers seeking additional coverage through unlimited automatic recharge for subsequent eligible claims.

  • Older adults who want cover for eligible hospitalisation and day-care procedures.

  • Senior citizens looking for health insurance with entry available from age 61.

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 Supreme Senior Health AdvantEdge

  • Review optional benefits carefully: Confirm the availability, cost and terms of benefits such as wellness, Care OPD, annual health checkups and room-rent modification.

  • Review waiting periods: The initial waiting period is 30 days, the named-ailment waiting period is 24 months, and the PED waiting period is 48 months.

  • Check room eligibility: The stated room category is the most economical single private AC room unless an applicable room-rent modification benefit changes it.

  • Account for co-payment: The stated 20% co-payment means the insured pays a share of eligible claim expenses.

  • Compare the two plan options: Senior Super has sub-limits for specified treatments, whereas Senior Premium lists these sub-limits as not applicable.

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

Supreme Senior Health AdvantEdge
Supreme Senior Health AdvantEdge

Health Insurance Plan

Brochure

Policy Wording

VS
Max Protect Premium
Max Protect Premium

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Supreme Senior Health AdvantEdge

Most economical single private AC room. An optional room-rent modification benefit is mentioned.

VS

Max Protect Premium

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

ICU Charges

Supreme Senior Health AdvantEdge

No limit specified in the plan benefit, subject to policy terms.

VS

Max Protect Premium

Kindly refer to policy wording

Co-payment

Supreme Senior Health AdvantEdge

20% co-payment applies to all claims under the described plan options.

VS

Max Protect Premium

Kindly refer to policy wording.

Disease-wise sublimits

Supreme Senior Health AdvantEdge

Apply to specified treatments under Senior Super; listed as not applicable under Senior Premium.

VS

Max Protect Premium

Kindly refer to the policy wording.

Cashless Healthcare Providers

Supreme Senior Health AdvantEdge

11000+ NETWORK HOSPITALS.

VS

Max Protect Premium

14,000+ cashless network hospitals

Restoration Benefit

Supreme Senior Health AdvantEdge

Unlimited automatic recharge for eligible subsequent claims, including the same or different illnesses, subject to policy terms.

VS

Max Protect Premium

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

Cumulative Bonus

Supreme Senior Health AdvantEdge

50% of the sum insured added at renewal, up to 100%; accrued bonus is not reduced due to claims.

VS

Max Protect Premium

Kindly review the policy wording.

Daycare Treatment

Supreme Senior Health AdvantEdge

Covered up to the sum insured.

VS

Max Protect Premium

Kindly refer to the policy wording.

Consumable Cover

Supreme Senior Health AdvantEdge

Not specified as a standard benefit in the supplied document.

VS

Max Protect Premium

Kindly refer to policy wording.

AYUSH Treatment

Supreme Senior Health AdvantEdge

Covered up to the sum insured.

VS

Max Protect Premium

Kindly refer to policy wording.

Initial Waiting Period

Supreme Senior Health AdvantEdge

30 days, except accident-related hospitalisation.

VS

Max Protect Premium

30 DAYS

Specific Waiting Period

Supreme Senior Health AdvantEdge

24 months for named ailments.

VS

Max Protect Premium

Kindly refer to policy wording.

PED Waiting Period

Supreme Senior Health AdvantEdge

48 months

VS

Max Protect Premium

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

Modern Treatment

Supreme Senior Health AdvantEdge

Eligible advanced technology treatments covered up to the sum insured.

VS

Max Protect Premium

Covered. Kindly consult for limits.

Annual Health Checkup

Supreme Senior Health AdvantEdge

Available as an optional benefit; once a year for all insured members.

VS

Max Protect Premium

Not offered

Pre-Hospitalisation

Supreme Senior Health AdvantEdge

Covered for 60 days.

VS

Max Protect Premium

60 days before hospitalisation. Kindly confirm.

Post-Hospitalisation

Supreme Senior Health AdvantEdge

Covered for 180 days.

VS

Max Protect Premium

180 days after discharge. Kindly confirm.

Outpatient Department Cover (OPD Expense)

Supreme Senior Health AdvantEdge

Optional Care OPD benefit; limits and consultation co-payments apply.

VS

Max Protect Premium

Not covered. Doctor consultations are not covered.

Deductible Option

Supreme Senior Health AdvantEdge

Not specified in the supplied document.

VS

Max Protect Premium

Kindly refer to policy wording.

Coverage Options

Supreme Senior Health AdvantEdge

Individual and family floater; sum insured options of ₹7 lakh, ₹10 lakh, ₹15 lakh and ₹25 lakh.

VS

Max Protect Premium

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

Claim Settlement Ratio

Supreme Senior Health AdvantEdge

99.95% FY 2024-25

VS

Max Protect Premium

FY 24-25: ~84%

Maternity Cover

Supreme Senior Health AdvantEdge

Not specified in the supplied document.

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?

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

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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

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Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

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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.

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