Oneassure

Partner with us

Insurance Plans Comparison

ICICI Lombard Max Protect Premium vs Niva Bupa Senior First 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

Senior First Platinum

After the first paid claim, restore the base sum insured unlimited times, stay in a single private room, and add 10% of the base sum insured each claim-free year up to 100%, with a 50% co-pay.

What Makes It Special:

Niva Bupa Senior First Platinum is made for seniors to help them feel secure about health costs, giving full coverage for hospital stays, yearly check-ups, and quick claims. It’s simple to use and takes care of most medical needs without complicated rules.It covers expenses for in-patient hospitalization in a single...

Best For:

  • Not available

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 Senior First Platinum

Not available

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
Senior First Platinum
Senior First Platinum

Health Insurance Plan

Brochure

Room Rent

Max Protect Premium

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

VS

Senior First Platinum

Single Private Room

Covered up to Sum Insured

ICU Charges

Max Protect Premium

Kindly refer to policy wording

VS

Senior First Platinum

Information Unavailable

Advanced Treatments

Max Protect Premium

Information Unavailable

VS

Senior First Platinum

Modern treatments covered up to Sum Insured

Co-payment

Max Protect Premium

Kindly refer to policy wording.

VS

Senior First Platinum

50% co-payment.

Disease-wise sublimits

Max Protect Premium

Kindly refer to the policy wording.

VS

Senior First Platinum

Information Unavailable

Waiting Period

Max Protect Premium

Information Unavailable

VS

Senior First Platinum

Not mentioned — verify from policy wordings.

Not mentioned — verify from policy wordings.

Not mentioned — verify from policy wordings.

Cashless Healthcare Providers

Max Protect Premium

14,000+ cashless network hospitals

VS

Senior First Platinum

Not mentioned — verify from policy wordings

Restoration Benefit

Max Protect Premium

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

VS

Senior First Platinum

Information Unavailable

Cumulative Bonus

Max Protect Premium

Kindly review the policy wording.

VS

Senior First Platinum

Information Unavailable

Daycare Treatment

Max Protect Premium

Kindly refer to the policy wording.

VS

Senior First Platinum

Covered up to Sum Insured

Consumable Cover

Max Protect Premium

Kindly refer to policy wording.

VS

Senior First Platinum

Information Unavailable

AYUSH Treatment

Max Protect Premium

Kindly refer to policy wording.

VS

Senior First Platinum

Covered up to Sum Insured.

Initial Waiting Period

Max Protect Premium

30 DAYS

VS

Senior First Platinum

Information Unavailable

Specific Waiting Period

Max Protect Premium

Kindly refer to policy wording.

VS

Senior First Platinum

Information Unavailable

PED Waiting Period

Max Protect Premium

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

VS

Senior First Platinum

Information Unavailable

Modern Treatment

Max Protect Premium

Covered. Kindly consult for limits.

VS

Senior First Platinum

Information Unavailable

Annual Health Checkup

Max Protect Premium

Not offered

VS

Senior First Platinum

Information Unavailable

Pre-Hospitalisation

Max Protect Premium

60 days before hospitalisation. Kindly confirm.

VS

Senior First Platinum

Information Unavailable

Post-Hospitalisation

Max Protect Premium

180 days after discharge. Kindly confirm.

VS

Senior First Platinum

Information Unavailable

Outpatient Department Cover (OPD Expense)

Max Protect Premium

Not covered. Doctor consultations are not covered.

VS

Senior First Platinum

Information Unavailable

Deductible Option

Max Protect Premium

Kindly refer to policy wording.

VS

Senior First Platinum

Information Unavailable

Coverage Options

Max Protect Premium

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

VS

Senior First Platinum

Information Unavailable

Claim Settlement Ratio

Max Protect Premium

FY 24-25: ~84%

VS

Senior First Platinum

Information Unavailable

Maternity Cover

Max Protect Premium

Not offered

VS

Senior First Platinum

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?

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

Senior First Platinum vs Supreme Senior Premium

Senior First Platinum vs Energy Silver Without Copay

Senior First Platinum vs Ultimate

Senior First Platinum vs EquiCover

Senior First Platinum vs Optima Secure Global Plus

Oneassure

Health Insurance

Compare Health Insurance Plans

Max Protect Premium Vs Senior First Platinum

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.