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Insurance Plans Comparison

Niva Bupa GoActive 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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Niva Bupa

GoActive

Cover doctor visits and hospital stays together, refill the base sum insured, and get 90 days of pre-hospitalisation cover plus 180 days after discharge.

What Makes It Special:

GoActive combines in-patient cover with OPD consultations, a personal health coach and an annual health check-up. It has a refill benefit, an optional sum insured escalator, and a renewal discount for buyers who start young.

Best For:

  • Buyers who do not need maternity cover

  • Buyers who want the sum insured to grow over time through I-Protect

  • Buyers who want a health coach and an annual check-up

  • Families who visit doctors often and want OPD reimbursement

  • Younger, active buyers who want the 10% early-age discount and a renewal discount for healthy habits

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

Niva Bupa GoActive

  • Zone 2 adds a 20% co-payment in four cities, so choose Zone 1 unless you know you will not be treated there.

  • The 1% room rent cap applies to the lower sum insured options, so pick ₹5 lakh or above if you want room choice.

  • The 36-month PED waiting period is long, so buy early if anyone has an existing condition.

  • Maternity is excluded, so choose another plan if you plan to start a family.

  • Check the OPD limit for your sum insured and number of adults, since the limit is shared across the family.

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

GoActive
GoActive

Health Insurance Plan

Brochure

Policy Wording

VS
Max Protect Premium
Max Protect Premium

Health Insurance Plan

Brochure

Policy Wording

Room Rent

GoActive

Normal:

For Sum Insured below ₹5 Lakhs: 1% of Base Sum Insured per day

For Sum Insured ₹5 Lakhs and above: No room rent restriction (except Suite Room and above)

ICU:

For Sum Insured below ₹5 Lakhs: 2% of Base Sum Insured per day

For Sum Insured ₹5 Lakhs and above: Covered up to Sum Insured

VS

Max Protect Premium

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

Advanced Treatments

GoActive

Covered up to Sum Insured

VS

Max Protect Premium

Information Unavailable

ICU Charges

GoActive

Up to 2% of base sum insured per day for the ₹1 lakh to ₹4 lakh options. Covered up to the sum insured for ₹5 lakh and above. Confirm the split on the policy schedule.

VS

Max Protect Premium

Kindly refer to policy wording

Co-payment

GoActive

No mandatory age-based co-payment mentioned

VS

Max Protect Premium

Kindly refer to policy wording.

Disease-wise sublimits

GoActive

No general disease sublimit in the prospectus. Robotic surgery has a ₹1 lakh sub-limit, and OPD, diagnostics and some optional covers have their own limits.

VS

Max Protect Premium

Kindly refer to the policy wording.

Cashless Healthcare Providers

GoActive

4,200+ Network Hospitals

VS

Max Protect Premium

14,000+ cashless network hospitals

Restoration Benefit

GoActive

Refill benefit: up to 100% of base sum insured in a policy year, for a different illness from one already claimed. It is available on a floater basis and does not carry forward. Maximum liability per claim after refill is the base sum insured plus any I-Protect amount.

VS

Max Protect Premium

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

Daycare Treatment

GoActive

Covered up to Sum Insured

VS

Max Protect Premium

Kindly refer to the policy wording.

Cumulative Bonus

GoActive

Not offered. The optional I-Protect adds 10% of base sum insured every renewal year.

VS

Max Protect Premium

Kindly review the policy wording.

AYUSH Treatment

GoActive

Covered up to Sum Insured

VS

Max Protect Premium

Kindly refer to policy wording.

Consumable Cover

GoActive

Medicines, drugs, consumables, IV fluids, blood, injection charges and OT charges are covered within in-patient care. Items in Annexure A (for example baby food, belts, gloves, diapers and Vasofix) are not payable.

VS

Max Protect Premium

Kindly refer to policy wording.

Initial Waiting Period

GoActive

30 days from policy start. Waived after 12 months of continuous coverage. Accidents are covered from day 1.

VS

Max Protect Premium

30 DAYS

Specific Waiting Period

GoActive

24 months for listed conditions and procedures. Cancer is covered after 30 days.

VS

Max Protect Premium

Kindly refer to policy wording.

PED Waiting Period

GoActive

36 months

VS

Max Protect Premium

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

Modern Treatment

GoActive

Covered up to the sum insured, covering uterine artery embolisation, HIFU, deep brain stimulation, oral chemotherapy, immunotherapy, intravitreal injections, robotic surgery, stereotactic radiosurgery, and other listed treatments. Robotic surgeries have a ₹1 lakh sub-limit, except robotic prostatectomy for cancer, robotic cardiac surgery, robotic partial nephrectomy, and robotic surgery for malignancies.

VS

Max Protect Premium

Covered. Kindly consult for limits.

Annual Health Checkup

GoActive

Covered for insured persons aged 18 and over, booked through the Niva Bupa app or website. Not available on the ₹1 lakh and ₹2 lakh options. Unused check-ups do not carry forward.

VS

Max Protect Premium

Not offered

Pre-Hospitalisation

GoActive

Up to 90 days before admission, within the sum insured

VS

Max Protect Premium

60 days before hospitalisation. Kindly confirm.

Post-Hospitalisation

GoActive

Up to 180 days after discharge, within the sum insured

VS

Max Protect Premium

180 days after discharge. Kindly confirm.

Outpatient Department Cover (OPD Expense)

GoActive

Covered. Number of consultations per policy year depends on the sum insured and the number of adults. Reimbursement is up to ₹600 per consultation in Zone 1 and ₹500 in Zone 2. The limit is shared by all members.

VS

Max Protect Premium

Not covered. Doctor consultations are not covered.

Deductible Option

GoActive

Optional annual aggregate deductible of ₹25,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹5 lakh or ₹10 lakh. It does not apply to health check-ups, second opinions, OPD, behavioural assistance or personal accident.

VS

Max Protect Premium

Kindly refer to policy wording.

Coverage Options

GoActive

Information Unavailable

VS

Max Protect Premium

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

Claim Settlement Ratio

GoActive

Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27).

VS

Max Protect Premium

FY 24-25: ~84%

Maternity Cover

GoActive

Not offered. Maternity and related childbirth expenses are excluded.

VS

Max Protect Premium

Not offered

Insurance Plans Comparison

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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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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

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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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