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Insurance Plans Comparison

HDFC ERGO myHealth Koti Suraksha 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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HDFC ERGO

myHealth Koti Suraksha

Get a ₹1 crore hospitalisation cover with cashless home treatment, room rent up to a single standard air-conditioned room, and a 10% cumulative bonus each year even after a claim, up to 100%.

What Makes It Special:

my:health Koti Suraksha delivers a ₹1 crore sum insured at a lower premium by accepting three restrictions in the base cover — a room category capped at a Single Standard AC Room, a ₹75,000 sub-limit on eight common procedures, and a mandatory 20% co-payment for lives with a pre-existing disease...

Best For:

  • Buyers prepared to pay for the waiver covers so a ₹1 crore cover works without room, procedure or co-payment restrictions

  • Buyers who already hold a base policy and can take the aggregate deductible to reduce premium further

  • Buyers in Tier 2 cities where a Single Standard AC Room is likely to fall within or close to the plan's room entitlement

  • Families wanting a wide relationship list on one individual sum insured policy, extending to siblings, in-laws, grandparents, nieces and nephews

  • Buyers who want a very high sum insured for catastrophic illness and are willing to accept caps on routine, lower-cost procedures

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

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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

HDFC ERGO myHealth Koti Suraksha

  • The room entitlement is a Single Standard AC Room rather than a percentage of sum insured, so check what that category means at the hospitals you would use, since exceeding it can trigger deductions.

  • Opting for the aggregate deductible removes both the Cumulative Bonus and the Sum Insured Rebound, so weigh the premium saved against losing those two benefits.

  • If anyone insured is entering above age 60 or has a declared pre-existing disease, a 20% co-payment applies, so check whether the Waiver of Co-Payment costs less than the share you would otherwise bear.

  • The ₹75,000 sub-limit covers eight of the most commonly claimed procedures, including cataract, hernia and hysterectomy, so if these are a realistic prospect for anyone insured, the Waiver of Disease Capping is likely to matter more than the sum insured.

  • Price all three waiver covers — room rent, disease capping and co-payment — before comparing this plan against a conventional ₹1 crore policy, because the headline premium reflects the restrictions, not the unrestricted cover.

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

myHealth Koti Suraksha
myHealth Koti Suraksha

Health Insurance Plan

Brochure

Policy Wording

VS
Max Protect Premium
Max Protect Premium

Health Insurance Plan

Brochure

Policy Wording

Room Rent

myHealth Koti Suraksha

Single Standard AC Room

Covered as part of hospitalization expenses

VS

Max Protect Premium

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

ICU Charges

myHealth Koti Suraksha

Covered within medical expenses; no separate ICU limit stated

VS

Max Protect Premium

Kindly refer to policy wording

Advanced Treatments

myHealth Koti Suraksha

Advanced Technology Methods Covered

VS

Max Protect Premium

Information Unavailable

Co-payment

myHealth Koti Suraksha

20% Co-payment

VS

Max Protect Premium

Kindly refer to policy wording.

Disease-wise sublimits

myHealth Koti Suraksha

Yes — a ₹75,000 sub-limit applies to each of cataract; surgery for benign tumours, cysts, nodules or polyps; stone in the urinary system; hernia-related procedures; appendectomy; hysterectomy; fissures, piles and fistulas; and cellulitis or abscess. Optional Waiver of Disease Capping deletes these sub-limits

VS

Max Protect Premium

Kindly refer to the policy wording.

Cashless Healthcare Providers

myHealth Koti Suraksha

Available through network hospitals

VS

Max Protect Premium

14,000+ cashless network hospitals

Restoration Benefit

myHealth Koti Suraksha

Optional — Sum Insured Rebound adds an amount equal to the claim paid under the basic sum insured, up to a maximum of the basic sum insured, on subsequent hospitalisation in a policy year. A single claim cannot exceed the basic sum insured plus cumulative bonus earned; for chemotherapy and dialysis it applies only once in the policy lifetime; unused amounts do not carry forward; not available if aggregate deductible is opted

VS

Max Protect Premium

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

Daycare Treatment

myHealth Koti Suraksha

Covered

VS

Max Protect Premium

Kindly refer to the policy wording.

Cumulative Bonus

myHealth Koti Suraksha

10% of basic sum insured on each continuous renewal irrespective of claims, up to a maximum of 100%; not applicable if aggregate deductible is opted. Optional Cumulative Bonus Booster increases this to 50% per renewal, maximum 100%

VS

Max Protect Premium

Kindly review the policy wording.

AYUSH Treatment

myHealth Koti Suraksha

Covered

VS

Max Protect Premium

Kindly refer to policy wording.

Consumable Cover

myHealth Koti Suraksha

Optional — Non-Medical Expenses Cover pays non-medical expenses up to 5% of the admissible claim amount under the hospitalisation section

VS

Max Protect Premium

Kindly refer to policy wording.

Initial Waiting Period

myHealth Koti Suraksha

30 days, except claims arising from an accident

VS

Max Protect Premium

30 DAYS

Specific Waiting Period

myHealth Koti Suraksha

24 months for specified illnesses and surgical procedures

VS

Max Protect Premium

Kindly refer to policy wording.

PED Waiting Period

myHealth Koti Suraksha

36 months; optional Waiting Period Modification reduces it to 24 months

VS

Max Protect Premium

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

Modern Treatment

myHealth Koti Suraksha

Not specified.

VS

Max Protect Premium

Covered. Kindly consult for limits.

Annual Health Checkup

myHealth Koti Suraksha

Preventive health check-up after completion of each policy year or at renewal at a network provider, covering a listed panel including chest X-ray, 2D echo or stress test, PSA for males, PAP smear for females, medical examination report, complete blood count, urine routine, fasting blood sugar, lipid profile and ECG. The benefit is not carried forward if not used within 60 days of the policy anniversary

VS

Max Protect Premium

Not offered

Pre-Hospitalisation

myHealth Koti Suraksha

Information Unavailable

VS

Max Protect Premium

60 days before hospitalisation. Kindly confirm.

Post-Hospitalisation

myHealth Koti Suraksha

180 days after discharge

VS

Max Protect Premium

180 days after discharge. Kindly confirm.

Outpatient Department Cover (OPD Expense)

myHealth Koti Suraksha

Not covered. Wellness services include discounts on OPD, pharmaceuticals, pharmacy and diagnostic centres, which are discounts rather than cover

VS

Max Protect Premium

Not covered. Doctor consultations are not covered.

Deductible Option

myHealth Koti Suraksha

Optional — Aggregate Deductible. The insured bears the opted amount across all admissible claims in a policy year before the insurer's liability begins. Opting for it removes the Cumulative Bonus and the Sum Insured Rebound

VS

Max Protect Premium

Kindly refer to policy wording.

Coverage Options

myHealth Koti Suraksha

Individual sum insured or floater sum insured

VS

Max Protect Premium

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

Claim Settlement Ratio

myHealth Koti Suraksha

Information Unavailable

VS

Max Protect Premium

FY 24-25: ~84%

Maternity Cover

myHealth Koti Suraksha

Not covered — maternity and medical treatment expenses traceable to childbirth are permanently excluded

VS

Max Protect Premium

Not offered

Insurance Plans Comparison

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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

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  • 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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Insurance Plans Comparison

Frequently Asked Questions (FAQs)

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