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Insurance Plans Comparison

ICICI Lombard Max Protect Premium vs Niva Bupa Health Pulse Classic

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
Niva Bupa

Health Pulse Classic

Refill up to 100% of the sum insured once for a different illness, add a 10% no-claim bonus each claim-free year up to 100%, and pay a 20% co-pay for treatment in Delhi NCR, Mumbai, Kolkata and Gujarat.

What Makes It Special:

A value-focused health plan with Loyalty Additions, a Re-fill benefit and optional add-ons, with a 20% co-payment applying only in specified cities.

Best For:

  • Customers comfortable with room rent limits on lower Sum Insured options.

  • Adults aged 18 to 65 years buying a new policy, subject to eligibility.

  • People who want the option to add Personal Accident or Critical Illness cover.

  • Buyers who want their cover to grow through annual Loyalty Additions.

  • First-time buyers looking for straightforward hospitalisation coverage.

  • Families outside Delhi NCR, Mumbai, Kolkata and Gujarat who want to avoid the plan's city-specific co-payment.

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 Health Pulse Classic

  • The available Sum Insured options for Classic above ₹10 Lakh need confirmation because the prospectus and sales sheet differ.

  • There is no deductible option.

  • Maternity and general OPD treatment are not covered.

  • Pre-existing diseases have a 36-month waiting period.

  • Listed specified conditions have a 24-month waiting period.

  • Pre-hospitalisation cover is limited to 30 days and post-hospitalisation cover to 60 days.

  • For ₹3 Lakh and ₹4 Lakh cover, room rent is limited to 1% of the Base Sum Insured per day and ICU charges to 2% per day.

  • A 20% co-payment applies to treatment in Delhi NCR, Mumbai including Navi Mumbai and Thane, Kolkata and Gujarat.

  • Optional Personal Accident, Critical Illness, Hospital Cash and unlimited e-Consultation benefits are available at additional premiums.

  • Mental illness, HIV/AIDS, domiciliary treatment and modern treatments are covered, with specified sublimits and waiting periods.

  • A single private room is covered for Sum Insured of ₹5 Lakh and above.

  • Re-fill of up to 100% of the Base Sum Insured is available for a different illness or injury. Optional Enhanced Re-fill increases it to 150%.

  • Loyalty Additions add 10% of the Base Sum Insured every policy year, up to 100%.

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
Health Pulse Classic
Health Pulse Classic

Health Insurance Plan

Room Rent

Max Protect Premium

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

VS

Health Pulse Classic

  1.  Normal: single A/C private room
  2. ICU: no limit, expenses incurred would be covered by the policy.
ICU Charges

Max Protect Premium

Kindly refer to policy wording

VS

Health Pulse Classic

Information Unavailable

Advanced Treatments

Max Protect Premium

Information Unavailable

VS

Health Pulse Classic

Including robotic surgeries, stem cell therapy (for specific conditions), and modern procedures like laser treatments and bariatric surgery.

Co-payment

Max Protect Premium

Kindly refer to policy wording.

VS

Health Pulse Classic

A 20% co-payment applies for treatments in Zone 2. Additionally, policyholders can opt for a 10% or 20% co-payment, which does not reduce the sum insured.

Disease-wise sublimits

Max Protect Premium

Kindly refer to the policy wording.

VS

Health Pulse Classic

Information Unavailable

Waiting Period

Max Protect Premium

Information Unavailable

VS

Health Pulse Classic

  1. Initial Waiting Period: A 30-day waiting period applies from the policy's inception, during which claims are not admissible, except for those arising from accidents. 
     
  2. Pre-existing Disease Waiting Period: For the Silver plan, pre-existing diseases are covered after 48 months of continuous coverage. For Gold and Platinum plans, this period is reduced to 24 months.
     
  3. Specific Disease/Procedure Waiting Period: For individuals above 45 years of age, certain listed illnesses and procedures are covered after a 24-month waiting period from the policy's inception. 
Cashless Healthcare Providers

Max Protect Premium

14,000+ cashless network hospitals

VS

Health Pulse Classic

10675+ network hospitals in India.

Restoration Benefit

Max Protect Premium

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

VS

Health Pulse Classic

Information Unavailable

Cumulative Bonus

Max Protect Premium

Kindly review the policy wording.

VS

Health Pulse Classic

Information Unavailable

Daycare Treatment

Max Protect Premium

Kindly refer to the policy wording.

VS

Health Pulse Classic

Covered by the policy.

Consumable Cover

Max Protect Premium

Kindly refer to policy wording.

VS

Health Pulse Classic

Information Unavailable

AYUSH Treatment

Max Protect Premium

Kindly refer to policy wording.

VS

Health Pulse Classic

Covered by the policy.

Initial Waiting Period

Max Protect Premium

30 DAYS

VS

Health Pulse Classic

Information Unavailable

Specific Waiting Period

Max Protect Premium

Kindly refer to policy wording.

VS

Health Pulse Classic

Information Unavailable

PED Waiting Period

Max Protect Premium

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

VS

Health Pulse Classic

Information Unavailable

Modern Treatment

Max Protect Premium

Covered. Kindly consult for limits.

VS

Health Pulse Classic

Information Unavailable

Annual Health Checkup

Max Protect Premium

Not offered

VS

Health Pulse Classic

Information Unavailable

Pre-Hospitalisation

Max Protect Premium

60 days before hospitalisation. Kindly confirm.

VS

Health Pulse Classic

Information Unavailable

Post-Hospitalisation

Max Protect Premium

180 days after discharge. Kindly confirm.

VS

Health Pulse Classic

Information Unavailable

Outpatient Department Cover (OPD Expense)

Max Protect Premium

Not covered. Doctor consultations are not covered.

VS

Health Pulse Classic

Information Unavailable

Deductible Option

Max Protect Premium

Kindly refer to policy wording.

VS

Health Pulse Classic

Information Unavailable

Coverage Options

Max Protect Premium

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

VS

Health Pulse Classic

Information Unavailable

Claim Settlement Ratio

Max Protect Premium

FY 24-25: ~84%

VS

Health Pulse Classic

Information Unavailable

Maternity Cover

Max Protect Premium

Not offered

VS

Health Pulse Classic

Information Unavailable

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?

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From choosing the right policy to managing claims, every step is handled for you

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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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