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Insurance Plans Comparison

HDFC ERGO myHealth Suraksha Platinum 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 Suraksha Platinum

Hospitalisation cover with flexible optional benefits

What Makes It Special:

HDFC ERGO my:health Suraksha Platinum is an older health insurance variant that covers eligible hospitalisation expenses, including room rent and ICU charges, and provides pre- and post-hospitalisation benefits, daycare treatment and a cumulative bonus, subject to the applicable policy terms.

Best For:

  • Customers reviewing whether Sum Insured Rebound or other optional covers are included in their existing policy schedule.

  • Policyholders who want to understand the effect of optional co-payment choices on their out-of-pocket expenses.

  • Buyers who value pre- and post-hospitalisation expense coverage.

  • Individuals seeking cover for eligible inpatient hospitalisation expenses.

  • Existing policyholders reviewing the benefits and conditions of their my:health Suraksha Platinum policy.

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

HDFC ERGO myHealth Suraksha Platinum

  • Verify the applicable OPD benefit, network hospital status and any optional covers before planning treatment.

  • Confirm whether Sum Insured Rebound is selected and review the conditions governing its use.

  • Check the 3-year PED waiting period against your declared medical history and policy start date.

  • Review your selected co-payment percentage to understand how much of an admissible claim you may need to pay.

  • Check the UIN and policy schedule to confirm that your cover is the older Platinum variant rather than Platinum Smart.

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 Suraksha Platinum
myHealth Suraksha Platinum

Health Insurance Plan

Brochure

Policy Wording

VS
Max Protect Premium
Max Protect Premium

Health Insurance Plan

Brochure

Policy Wording

Room Rent

myHealth Suraksha Platinum

Normal: Room Rent, Boarding & Nursing Charges Covered

ICU: Intensive Care Unit Charges Covered

VS

Max Protect Premium

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

Advanced Treatments

myHealth Suraksha Platinum

Home Healthcare

Domiciliary Hospitalization

Organ Donor Expenses

Air Ambulance (Optional)

Global Health Cover (Optional)

Major Illness Hospitalization Cover (Optional)

Mental Health Treatment

VS

Max Protect Premium

Information Unavailable

ICU Charges

myHealth Suraksha Platinum

At actuals, subject to policy terms.

VS

Max Protect Premium

Kindly refer to policy wording

Co-payment

myHealth Suraksha Platinum

No mandatory co-payment mentioned

VS

Max Protect Premium

Kindly refer to policy wording.

Disease-wise sublimits

myHealth Suraksha Platinum

No complete variant-specific confirmation available; verify the applicable policy wording.

VS

Max Protect Premium

Kindly refer to the policy wording.

Cashless Healthcare Providers

myHealth Suraksha Platinum

Cashless treatment available through network healthcare providers

VS

Max Protect Premium

14,000+ cashless network hospitals

Restoration Benefit

myHealth Suraksha Platinum

Sum Insured Rebound is listed as optional; it is not an unlimited restoration benefit.

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 Suraksha Platinum

Covered

VS

Max Protect Premium

Kindly refer to the policy wording.

Cumulative Bonus

myHealth Suraksha Platinum

5% of sum insured for each claim-free year, up to 50% of sum insured.

VS

Max Protect Premium

Kindly review the policy wording.

AYUSH Treatment

myHealth Suraksha Platinum

Covered

VS

Max Protect Premium

Kindly refer to policy wording.

Consumable Cover

myHealth Suraksha Platinum

Medicines, drugs and consumables are included in listed medical expenses; non-medical expense coverage requires verification.

VS

Max Protect Premium

Kindly refer to policy wording.

Initial Waiting Period

myHealth Suraksha Platinum

30 days for illnesses, subject to policy terms and accident-related exceptions.

VS

Max Protect Premium

30 DAYS

Specific Waiting Period

myHealth Suraksha Platinum

24 months for specified illnesses and treatments.

VS

Max Protect Premium

Kindly refer to policy wording.

PED Waiting Period

myHealth Suraksha Platinum

3 years under the older Platinum variant terms.

VS

Max Protect Premium

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

Modern Treatment

myHealth Suraksha Platinum

Not verified for the exact older Platinum variant.

VS

Max Protect Premium

Covered. Kindly consult for limits.

Annual Health Checkup

myHealth Suraksha Platinum

Preventive health check-up listed as a renewal benefit, subject to applicable terms.

VS

Max Protect Premium

Not offered

Pre-Hospitalisation

myHealth Suraksha Platinum

60 days for eligible expenses.

VS

Max Protect Premium

60 days before hospitalisation. Kindly confirm.

Post-Hospitalisation

myHealth Suraksha Platinum

180 days for eligible expenses.

VS

Max Protect Premium

180 days after discharge. Kindly confirm.

Outpatient Department Cover (OPD Expense)

myHealth Suraksha Platinum

₹2,500 listed in the older variant schedule; confirm the applicable cover and policy schedule.

VS

Max Protect Premium

Not covered. Doctor consultations are not covered.

Deductible Option

myHealth Suraksha Platinum

Not verified for the exact Platinum variant.

VS

Max Protect Premium

Kindly refer to policy wording.

Coverage Options

myHealth Suraksha Platinum

Individual and Family Floater, subject to availability under the applicable policy version.

VS

Max Protect Premium

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

Claim Settlement Ratio

myHealth Suraksha Platinum

98.85% of claims paid within 3 months in FY 2024–25; this is a claims-paid-within-three-months metric, not a product-specific ratio.

VS

Max Protect Premium

FY 24-25: ~84%

Maternity Cover

myHealth Suraksha Platinum

Not covered under the older Platinum variant schedule.

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

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

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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

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  • Tailored for seniors healthcare needs

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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.

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