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Insurance Plans Comparison

Niva Bupa Health Companion Variant 2022 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

Health Companion Variant 2022

Comprehensive family health cover with no room rent capping, 2-hour hospitalisation, 100% refill and health check-ups from day one.

What Makes It Special:

A no-room-rent-cap health plan that covers hospital stays of just 2 hours or more, with 60/180 days pre/post hospitalisation cover and a refill that works even for the same illness.

Best For:

  • High coverage for families

  • Those who want extra protection through optional add-ons

  • Customers who value regular health check-ups and ambulance services

  • Hospital Room Rent Freedom

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 Health Companion Variant 2022

  • You need coverage for home treatments.

  • You want free health check-ups from day one.

  • You want cover restored after every claim.

  • You prefer hassle-free cashless hospital treatment

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

Health Companion Variant 2022
Health Companion Variant 2022

Health Insurance Plan

Brochure

VS
Max Protect Premium
Max Protect Premium

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Health Companion Variant 2022

The shared room category is covered in your base policy.

If you choose an upgraded room, 20% co-payment is applicable.

VS

Max Protect Premium

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

ICU Charges

Health Companion Variant 2022

No restriction on ICU room rent

VS

Max Protect Premium

Kindly refer to policy wording

Disease-wise sublimits

Health Companion Variant 2022

No

VS

Max Protect Premium

Kindly refer to the policy wording.

Co-payment

Health Companion Variant 2022

Not Available

VS

Max Protect Premium

Kindly refer to policy wording.

Cashless Healthcare Providers

Health Companion Variant 2022

11000+ Healthcare Providers

VS

Max Protect Premium

14,000+ cashless network hospitals

Restoration Benefit

Health Companion Variant 2022

Yes, your sum insured restores to 100% unlimited times after your second claim, for both related and unrelated illnesses

VS

Max Protect Premium

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

Cumulative Bonus

Health Companion Variant 2022

Your sum insured increases by 20% for every claim-free year, up to 100%

VS

Max Protect Premium

Kindly review the policy wording.

Daycare Treatment

Health Companion Variant 2022

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

VS

Max Protect Premium

Kindly refer to the policy wording.

AYUSH Treatment

Health Companion Variant 2022

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

VS

Max Protect Premium

Kindly refer to policy wording.

Consumable Cover

Health Companion Variant 2022

No. However, available as an add-on

VS

Max Protect Premium

Kindly refer to policy wording.

Initial Waiting Period

Health Companion Variant 2022

30 days.

VS

Max Protect Premium

30 DAYS

Specific Waiting Period

Health Companion Variant 2022

2 years

VS

Max Protect Premium

Kindly refer to policy wording.

PED Waiting Period

Health Companion Variant 2022

3 years

VS

Max Protect Premium

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

Modern Treatment

Health Companion Variant 2022

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

VS

Max Protect Premium

Covered. Kindly consult for limits.

Annual Health Checkup

Health Companion Variant 2022

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

VS

Max Protect Premium

Not offered

Pre-Hospitalisation

Health Companion Variant 2022

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

VS

Max Protect Premium

60 days before hospitalisation. Kindly confirm.

Post-Hospitalisation

Health Companion Variant 2022

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

VS

Max Protect Premium

180 days after discharge. Kindly confirm.

Outpatient Department Cover (OPD Expense)

Health Companion Variant 2022

OPD expense is not included

VS

Max Protect Premium

Not covered. Doctor consultations are not covered.

Deductible Option

Health Companion Variant 2022

Available

VS

Max Protect Premium

Kindly refer to policy wording.

Coverage Options

Health Companion Variant 2022

Available coverage options: ₹3L, ₹4 L, ₹5L, ₹7.5L, ₹10L, ₹12.5L, ₹15L, ₹20L, ₹30L, ₹50L, ₹1Cr

VS

Max Protect Premium

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

Claim Settlement Ratio

Health Companion Variant 2022

92.02%

VS

Max Protect Premium

FY 24-25: ~84%

Maternity Cover

Health Companion Variant 2022

Not Available

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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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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