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Insurance Plans Comparison

ICICI Lombard Max Protect Premium vs ICICI Lombard Activate Booster Plan B

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

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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

VS
ICICI Lombard

Activate Booster Plan B

Flexible super top-up health insurance with high Sum Insured options, extended optional benefits and multiple deductible choices.

What Makes It Special:

Plan B combines high Sum Insured options with broader optional benefits such as health check-up, nursing at home and dependent accommodation, subject to additional premium and applicable conditions.

Best For:

  • Financial safety for large medical bills

  • Advanced treatment and wellness add-ons

  • High-sum insured super top-up policy

  • Maximum flexibility and big coverage

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

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.

ICICI Lombard Activate Booster Plan B

  • You seek quick claim settlement and annual health check-ups

  • You want coverage for dependents accommodation during hospitalization

  • You prefer easy conversion to base plan, no deductible

  • You want flexibility to top-up your policy

  • You need health coverage up to ₹3 crore

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Max Protect Premium
Max Protect Premium

Health Insurance Plan

Brochure

Policy Wording

VS
Activate Booster Plan B
Activate Booster Plan B

Health Insurance Plan

Brochure

Room Rent

Max Protect Premium

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

VS

Activate Booster Plan B

Single Private Room is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category

ICU Charges

Max Protect Premium

Kindly refer to policy wording

VS

Activate Booster Plan B

No restriction on ICU room rent

Co-payment

Max Protect Premium

Kindly refer to policy wording.

VS

Activate Booster Plan B

Not available

Disease-wise sublimits

Max Protect Premium

Kindly refer to the policy wording.

VS

Activate Booster Plan B

No

Cashless Healthcare Providers

Max Protect Premium

14,000+ cashless network hospitals

VS

Activate Booster Plan B

10,300+ Healthcare Providers


Restoration Benefit

Max Protect Premium

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

VS

Activate Booster Plan B

Not available

Cumulative Bonus

Max Protect Premium

Kindly review the policy wording.

VS

Activate Booster Plan B

Available as an option

Daycare Treatment

Max Protect Premium

Kindly refer to the policy wording.

VS

Activate Booster Plan B

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Consumable Cover

Max Protect Premium

Kindly refer to policy wording.

VS

Activate Booster Plan B

Yes

AYUSH Treatment

Max Protect Premium

Kindly refer to policy wording.

VS

Activate Booster Plan B

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Initial Waiting Period

Max Protect Premium

30 DAYS

VS

Activate Booster Plan B

30 days

Specific Waiting Period

Max Protect Premium

Kindly refer to policy wording.

VS

Activate Booster Plan B

2 years

PED Waiting Period

Max Protect Premium

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

VS

Activate Booster Plan B

3 years

Modern Treatment

Max Protect Premium

Covered. Kindly consult for limits.

VS

Activate Booster Plan B

Hospital expenses for listed advanced treatments are covered up to your annual sum insured during the policy period

Annual Health Checkup

Max Protect Premium

Not offered

VS

Activate Booster Plan B

Health checkup is not included as part of base cover. However, you can opt for the Annual Health Checkup Add-on to avail health checkup once per Policy Year

Pre-Hospitalisation

Max Protect Premium

60 days before hospitalisation. Kindly confirm.

VS

Activate Booster Plan B

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

Max Protect Premium

180 days after discharge. Kindly confirm.

VS

Activate Booster Plan B

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)

Max Protect Premium

Not covered. Doctor consultations are not covered.

VS

Activate Booster Plan B

OPD expense is not included as part of base cover. However, you can opt for an add-on to avail this coverage

Deductible Option

Max Protect Premium

Kindly refer to policy wording.

VS

Activate Booster Plan B

Available

Coverage Options

Max Protect Premium

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

VS

Activate Booster Plan B

Available coverage options: ₹10L, 15L, 20L, 25L, 45L, 50L, 85L, 90L, 95L, 1Cr, 3Cr

Claim Settlement Ratio

Max Protect Premium

FY 24-25: ~84%

VS

Activate Booster Plan B

97.16%

Maternity Cover

Max Protect Premium

Not offered

VS

Activate Booster Plan B

Not available

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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