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Insurance Plans Comparison

ICICI Lombard Max Protect Premium vs Magma OneHealth Premium

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
Magma

OneHealth Premium

Comprehensive Health Insurance with Hospitalisation, Daycare and Reload Benefits

What Makes It Special:

Health insurance plan with hospitalisation cover, 405 daycare procedures, cumulative bonus, reload of Sum Insured, pre and post-hospitalisation cover, emergency road ambulance and access to 6,100+ cashless network hospitals.

Best For:

  • Customers who prefer access to a large cashless hospital network

  • Customers who want cumulative bonus and reload benefits

  • Customers looking for multiple Sum Insured options

  • Families looking for individual or family floater coverage

  • Individuals looking for hospitalisation-focused health insurance

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.

Magma OneHealth Premium

  • Buyers should consider the waiting periods, sub-limits, co-payment conditions and exclusions before choosing the plan.

  • Includes reload of Sum Insured from the first claim, subject to policy terms

  • Provides cumulative bonus of 10% for every claim-free year, up to 50%

  • Offers Sum Insured options from ₹2 lakh to ₹10 lakh under the Elite plan

  • Covers inpatient hospitalisation, daycare, pre and post-hospitalisation expenses

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
OneHealth Premium
OneHealth Premium

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Max Protect Premium

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

VS

OneHealth Premium

Up to 1% of Sum Insured or ₹5,000 per Day

ICU Charges

Max Protect Premium

Kindly refer to policy wording

VS

OneHealth Premium

Up to 2% of Sum Insured or ₹6,000 per Day

Co-payment

Max Protect Premium

Kindly refer to policy wording.

VS

OneHealth Premium

10% in Applicable Circumstances

Disease-wise sublimits

Max Protect Premium

Kindly refer to the policy wording.

VS

OneHealth Premium

Specific Disease-wise Sublimits Apply

Cashless Healthcare Providers

Max Protect Premium

14,000+ cashless network hospitals

VS

OneHealth Premium

6,100+ Network Hospitals

Restoration Benefit

Max Protect Premium

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

VS

OneHealth Premium

Reload Available from the First Claim

Cumulative Bonus

Max Protect Premium

Kindly review the policy wording.

VS

OneHealth Premium

10% per Claim-Free Year, Up to 50%

Daycare Treatment

Max Protect Premium

Kindly refer to the policy wording.

VS

OneHealth Premium

405 Daycare Procedures Covered

Consumable Cover

Max Protect Premium

Kindly refer to policy wording.

VS

OneHealth Premium

Available Through Optional Cover

AYUSH Treatment

Max Protect Premium

Kindly refer to policy wording.

VS

OneHealth Premium

Not Specifically Mentioned in the Brochure

Initial Waiting Period

Max Protect Premium

30 DAYS

VS

OneHealth Premium

30 Days

Specific Waiting Period

Max Protect Premium

Kindly refer to policy wording.

VS

OneHealth Premium

2 Years for Specified Procedures

PED Waiting Period

Max Protect Premium

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

VS

OneHealth Premium

3 Years

Modern Treatment

Max Protect Premium

Covered. Kindly consult for limits.

VS

OneHealth Premium

Not Specifically Mentioned in the Brochure

Annual Health Checkup

Max Protect Premium

Not offered

VS

OneHealth Premium

Available After 2 Continuous Claim-Free Renewals

Pre-Hospitalisation

Max Protect Premium

60 days before hospitalisation. Kindly confirm.

VS

OneHealth Premium

Covered for Up to 30 Days

Post-Hospitalisation

Max Protect Premium

180 days after discharge. Kindly confirm.

VS

OneHealth Premium

Covered for Up to 45 Days

Outpatient Department Cover (OPD Expense)

Max Protect Premium

Not covered. Doctor consultations are not covered.

VS

OneHealth Premium

Not Covered as a Base Benefit

Deductible Option

Max Protect Premium

Kindly refer to policy wording.

VS

OneHealth Premium

Not Specified in the Brochure

Coverage Options

Max Protect Premium

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

VS

OneHealth Premium

Sum Insured Options from ₹2 Lakh to ₹10 Lakh

Claim Settlement Ratio

Max Protect Premium

FY 24-25: ~84%

VS

OneHealth Premium

Not Specified in the Brochure

Maternity Cover

Max Protect Premium

Not offered

VS

OneHealth Premium

Not Covered Except Ectopic Pregnancy

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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