Oneassure

Partner with us

Insurance Plans Comparison

ICICI Lombard Max Protect Premium vs Niva Bupa Aspire Platinum+

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

Read more
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
Niva Bupa

Aspire Platinum+

Health insurance with high cumulative cover, maternity benefits and premium protection linked to entry age.

What Makes It Special:

Niva Bupa Aspire Platinum+ combines comprehensive hospitalisation coverage with Booster+ accumulation of unused Base Sum Insured, ReAssure Forever and Lock the Clock. It also includes M-iracle maternity-related benefits with a 9-month waiting period, subject to eligibility, limits and policy conditions.

Best For:

  • Buyers seeking broad hospitalisation and eligible day-care coverage.

  • People who want their premium to remain linked to their entry age until a qualifying claim is paid.

  • Buyers who value additional cover after an eligible claim.

  • Individuals and families planning for eligible maternity-related expenses.

  • People looking to build up unused health cover over successive policy years.

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.

Niva Bupa Aspire Platinum+

  • Compare premiums and waiting periods against other Aspire variants before choosing.

  • Check the policy schedule for room category, co-payment, deductible and any optional benefits.

  • Understand that ReAssure Forever is triggered by the first paid eligible claim and has a per-claim limit.

  • Review the 9-month M-iracle waiting period and the benefit’s eligibility conditions before relying on maternity cover.

  • Choose this variant if Booster+ accumulation is a priority and you understand its age-based limits.

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
Aspire Platinum+
Aspire Platinum+

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Max Protect Premium

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

VS

Aspire Platinum+

All room categories are covered

ICU Charges

Max Protect Premium

Kindly refer to policy wording

VS

Aspire Platinum+

No restriction on ICU room rent

Co-payment

Max Protect Premium

Kindly refer to policy wording.

VS

Aspire Platinum+

Available as an option

Disease-wise sublimits

Max Protect Premium

Kindly refer to the policy wording.

VS

Aspire Platinum+

No

Cashless Healthcare Providers

Max Protect Premium

14,000+ cashless network hospitals

VS

Aspire Platinum+

10,000+ 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

Aspire Platinum+

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

Cumulative Bonus

Max Protect Premium

Kindly review the policy wording.

VS

Aspire Platinum+

Unutilised sum insured can be carried forward up to 10X (entry age 18–35 yrs), 5X (entry age 36–45 yrs), and 3X (entry age 46+ yrs)

Daycare Treatment

Max Protect Premium

Kindly refer to the policy wording.

VS

Aspire Platinum+

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

Aspire Platinum+

No. However, available as an add-on

AYUSH Treatment

Max Protect Premium

Kindly refer to policy wording.

VS

Aspire Platinum+

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

Initial Waiting Period

Max Protect Premium

30 DAYS

VS

Aspire Platinum+

30 days

Specific Waiting Period

Max Protect Premium

Kindly refer to policy wording.

VS

Aspire Platinum+

2 years
 

PED Waiting Period

Max Protect Premium

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

VS

Aspire Platinum+

3 years
 

Modern Treatment

Max Protect Premium

Covered. Kindly consult for limits.

VS

Aspire Platinum+

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

Annual Health Checkup

Max Protect Premium

Not offered

VS

Aspire Platinum+

Health check-up is available once every policy year, from day 1 of the policy

Pre-Hospitalisation

Max Protect Premium

60 days before hospitalisation. Kindly confirm.

VS

Aspire Platinum+

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

Aspire Platinum+

You get cover for medical bills up to 180 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

Aspire Platinum+

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

Aspire Platinum+

Available as an option

Coverage Options

Max Protect Premium

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

VS

Aspire Platinum+

Available coverage options: 3L, 5L, 7.5L, 10L, 15L, 20L, 25L, 50L, 1cr

Claim Settlement Ratio

Max Protect Premium

FY 24-25: ~84%

VS

Aspire Platinum+

92.02%

Maternity Cover

Max Protect Premium

Not offered

VS

Aspire Platinum+

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

Compare With Other Health Insurance Plans

Max Protect Premium vs Supreme Senior Premium

Max Protect Premium vs Energy Silver Without Copay

Max Protect Premium vs Ultimate

Max Protect Premium vs EquiCover

Max Protect Premium vs Optima Secure Global Plus

Aspire Platinum+ vs Supreme Senior Premium

Aspire Platinum+ vs Energy Silver Without Copay

Aspire Platinum+ vs Ultimate

Aspire Platinum+ vs EquiCover

Aspire Platinum+ vs Optima Secure Global Plus

Oneassure

Health Insurance

Compare Health Insurance Plans

Max Protect Premium Vs Aspire Platinum+

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.