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Insurance Plans Comparison

Star Optima Insurance 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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Star

Optima Insurance

Cover a newborn from day 16 up to 10% of the sum insured or ₹50,000, whichever is less, add 25% extra cover up to ₹5 lakh after a road accident, and get up to 20% off renewal for wellness points.

What Makes It Special:

Optima Insurance is a family floater health insurance plan focused on hospitalization protection, restoration, recharge and wellness-linked benefits. The source content also lists newborn baby coverage, loyalty bonus accumulation, AYUSH treatment, organ donor expenses, domiciliary treatment and tele-consultation support.

Best For:

  • Families looking for family floater coverage

  • Customers wanting restoration and recharge benefits

  • Families planning long-term coverage

  • Customers interested in wellness-linked benefits

  • Families wanting newborn hospitalization coverage

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

Star Optima Insurance

  • Review the 36-month PED waiting period

  • Check the 20% co-payment for entry age 61 years and above

  • Understand how restoration can be used

  • Review newborn baby eligibility and waiting conditions

  • Check limits applicable to modern treatments

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

Optima Insurance
Optima Insurance

Health Insurance Plan

Brochure

Policy Wording

VS
Max Protect Premium
Max Protect Premium

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Optima Insurance

Covered; specific room category conditions apply

VS

Max Protect Premium

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

ICU Charges

Optima Insurance

Covered up to Sum Insured

VS

Max Protect Premium

Kindly refer to policy wording

Co-payment

Optima Insurance

20% mandatory for entry age 61 years and above; voluntary options may be available

VS

Max Protect Premium

Kindly refer to policy wording.

Disease-wise sublimits

Optima Insurance

Modern treatments have specified sub-limits

VS

Max Protect Premium

Kindly refer to the policy wording.

Cashless Healthcare Providers

Optima Insurance

Available at network hospitals

VS

Max Protect Premium

14,000+ cashless network hospitals

Restoration Benefit

Optima Insurance

Automatic restoration up to three times in a policy year

VS

Max Protect Premium

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

Daycare Treatment

Optima Insurance

Covered

VS

Max Protect Premium

Kindly refer to the policy wording.

Cumulative Bonus

Optima Insurance

Loyalty bonus accumulation up to 100% of Sum Insured

VS

Max Protect Premium

Kindly review the policy wording.

AYUSH Treatment

Optima Insurance

Covered up to Sum Insured

VS

Max Protect Premium

Kindly refer to policy wording.

Consumable Cover

Optima Insurance

Not specified in the retrieved source

VS

Max Protect Premium

Kindly refer to policy wording.

Initial Waiting Period

Optima Insurance

30 days

VS

Max Protect Premium

30 DAYS

Specific Waiting Period

Optima Insurance

24 months

VS

Max Protect Premium

Kindly refer to policy wording.

PED Waiting Period

Optima Insurance

36 months

VS

Max Protect Premium

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

Modern Treatment

Optima Insurance

Covered with specified sub-limits

VS

Max Protect Premium

Covered. Kindly consult for limits.

Annual Health Checkup

Optima Insurance

Available

VS

Max Protect Premium

Not offered

Pre-Hospitalisation

Optima Insurance

Covered, subject to policy terms

VS

Max Protect Premium

60 days before hospitalisation. Kindly confirm.

Post-Hospitalisation

Optima Insurance

Covered, subject to policy terms

VS

Max Protect Premium

180 days after discharge. Kindly confirm.

Outpatient Department Cover (OPD Expense)

Optima Insurance

Not specified in the retrieved source

VS

Max Protect Premium

Not covered. Doctor consultations are not covered.

Deductible Option

Optima Insurance

Not specified in the retrieved source

VS

Max Protect Premium

Kindly refer to policy wording.

Coverage Options

Optima Insurance

Family Floater

VS

Max Protect Premium

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

Claim Settlement Ratio

Optima Insurance

Not specified in the retrieved source

VS

Max Protect Premium

FY 24-25: ~84%

Maternity Cover

Optima Insurance

Not specified in the retrieved source

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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