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Insurance Plans Comparison

ICICI Lombard Max Protect Premium vs Niva Bupa Health Recharge

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 Recharge

Super top-up health insurance for additional financial protection against hospitalisation expenses.

What Makes It Special:

Niva Bupa Health Recharge is a super top-up plan designed to provide additional health insurance protection after the selected annual aggregate deductible is exhausted. It offers inpatient hospitalisation cover, pre- and post-hospitalisation expenses, daycare treatment, loyalty additions on eligible base cover, and optional personal accident and critical illness benefits.

Best For:

  • Buyers who want a super top-up plan with loyalty additions on eligible Base Sum Insured.

  • People looking for optional personal accident or critical illness cover.

  • Buyers who want to supplement an existing base health insurance policy.

  • Families seeking a higher total health cover with a chosen deductible.

  • People who already have employer-provided or individual health insurance and want additional 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

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 Recharge

  • Compare the additional premium and coverage limits for optional personal accident and critical illness benefits.

  • Review the waiting periods and exclusions in the complete policy wording before purchasing.

  • Confirm the applicable Base Sum Insured, room-rent conditions and any benefit sub-limits.

  • Check whether your existing health insurance cover and the selected deductible work well together.

  • Choose a deductible you can comfortably pay before the plan begins contributing.

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 Recharge
Health Recharge

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Max Protect Premium

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

VS

Health Recharge

Below ₹5L SI: 1% of SI per day limit; ₹5L+ SI: no monetary cap, single private room eligible.

ICU Charges

Max Protect Premium

Kindly refer to policy wording

VS

Health Recharge

Covered up to sum insured with no specific restrictions.

Co-payment

Max Protect Premium

Kindly refer to policy wording.

VS

Health Recharge

Not applicable; annual aggregate deductible is the cost-sharing mechanism.

Disease-wise sublimits

Max Protect Premium

Kindly refer to the policy wording.

VS

Health Recharge

Yes, modern treatments have specific sublimits; mental disorder treatment: 10% SI (max ₹50K)

Cashless Healthcare Providers

Max Protect Premium

14,000+ cashless network hospitals

VS

Health Recharge

10,000+ Niva Bupa empanelled 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

Health Recharge

Not available under Health Recharge plan.

Cumulative Bonus

Max Protect Premium

Kindly review the policy wording.

VS

Health Recharge

Loyalty Additions: 5% annual increase of base SI up to 50% maximum (only for SI up to ₹25L).

Daycare Treatment

Max Protect Premium

Kindly refer to the policy wording.

VS

Health Recharge

All eligible day-care treatments covered up to sum insured.

Consumable Cover

Max Protect Premium

Kindly refer to policy wording.

VS

Health Recharge

Yes, medicines, drugs and consumables as prescribed by treating practitioner.

AYUSH Treatment

Max Protect Premium

Kindly refer to policy wording.

VS

Health Recharge

Covers Ayurveda, Yoga, Unani, Siddha, Homoeopathy as in-patient treatment up to base SI.

Initial Waiting Period

Max Protect Premium

30 DAYS

VS

Health Recharge

30 days from first policy commencement (no exception for accidents).

Specific Waiting Period

Max Protect Premium

Kindly refer to policy wording.

VS

Health Recharge

24 months for specified diseases and procedures listed in policy.

PED Waiting Period

Max Protect Premium

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

VS

Health Recharge

36 months continuous coverage from policy inception.

Modern Treatment

Max Protect Premium

Covered. Kindly consult for limits.

VS

Health Recharge

Covers oral chemotherapy, robotic surgeries, intra-vitreal injections, deep brain stimulation with per-treatment sub-limits.

Annual Health Checkup

Max Protect Premium

Not offered

VS

Health Recharge

Not listed as base benefit; health assessment available separately.

Pre-Hospitalisation

Max Protect Premium

60 days before hospitalisation. Kindly confirm.

VS

Health Recharge

Up to 60 days before hospitalisation when related claim is admissible.

Post-Hospitalisation

Max Protect Premium

180 days after discharge. Kindly confirm.

VS

Health Recharge

Up to 90 days after discharge for eligible medical expenses.

Outpatient Department Cover (OPD Expense)

Max Protect Premium

Not covered. Doctor consultations are not covered.

VS

Health Recharge

Not available; plan provides unlimited e-consultation and pharmacy/diagnostic access.

Deductible Option

Max Protect Premium

Kindly refer to policy wording.

VS

Health Recharge

Mandatory annual aggregate deductible: ₹10K, ₹25K, ₹50K options available.

Coverage Options

Max Protect Premium

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

VS

Health Recharge

₹2L, ₹3L, ₹4L, ₹5L, ₹7.5L, ₹10L, ₹15L, ₹25L, ₹40L, ₹45L, ₹65L, ₹70L, ₹90L, ₹95L.

Claim Settlement Ratio

Max Protect Premium

FY 24-25: ~84%

VS

Health Recharge

80%

Maternity Cover

Max Protect Premium

Not offered

VS

Health Recharge

Excluded under this policy.

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

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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.

1-5 of 10 FAQs

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