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Insurance Plans Comparison

ICICI Lombard Max Protect Premium vs Star Red Carpet Senior Citizens

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
Star

Red Carpet Senior Citizens

A senior-citizen hospital plan that covers pre-existing diseases after 12 months, applies a 30% or 50% co-pay depending on the sum insured and the claim, and sets sub-limits for listed treatments such as cataract, cancer and heart disease.

What Makes It Special:

A senior citizen health insurance policy designed for people entering between 60 and 75 years, with lifelong renewability and individual or floater sum insured options. The brochure lists hospitalization, daycare treatment and senior-focused coverage, along with medical underwriting and optional premium payment modes.

Best For:

  • Senior citizens aged 60 to 75 years

  • People looking for lifelong renewability

  • Customers considering individual or floater cover

  • Seniors seeking dedicated hospitalization protection

  • Customers who want multiple policy-term choices

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.

Star Red Carpet Senior Citizens

  • Check the applicable room and hospitalization benefit table before purchase

  • Review medical underwriting requirements based on age, health history and sum insured

  • Review waiting periods and exclusions in the policy wording

  • Compare individual and floater coverage based on family requirements

  • Check premium loading for monthly, quarterly or half-yearly payment modes

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
Red Carpet Senior Citizens
Red Carpet Senior Citizens

Health Insurance Plan

Policy Wording

Room Rent

Max Protect Premium

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

VS

Red Carpet Senior Citizens

  1. Covered according to the applicable room, boarding and nursing benefit table
ICU Charges

Max Protect Premium

Kindly refer to policy wording

VS

Red Carpet Senior Citizens

Covered as per the applicable hospitalization benefit

Co-payment

Max Protect Premium

Kindly refer to policy wording.

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

Disease-wise sublimits

Max Protect Premium

Kindly refer to the policy wording.

VS

Red Carpet Senior Citizens

Not fully specified in the retrieved source

Cashless Healthcare Providers

Max Protect Premium

14,000+ cashless network hospitals

VS

Red Carpet Senior Citizens

Available through network hospitals, subject to policy terms

Restoration Benefit

Max Protect Premium

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

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

Cumulative Bonus

Max Protect Premium

Kindly review the policy wording.

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

Daycare Treatment

Max Protect Premium

Kindly refer to the policy wording.

VS

Red Carpet Senior Citizens

All daycare procedures covered

Consumable Cover

Max Protect Premium

Kindly refer to policy wording.

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

AYUSH Treatment

Max Protect Premium

Kindly refer to policy wording.

VS

Red Carpet Senior Citizens

Covered, subject to policy terms

Initial Waiting Period

Max Protect Premium

30 DAYS

VS

Red Carpet Senior Citizens

  1. Not specified in the retrieved source
Specific Waiting Period

Max Protect Premium

Kindly refer to policy wording.

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

PED Waiting Period

Max Protect Premium

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

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

Modern Treatment

Max Protect Premium

Covered. Kindly consult for limits.

VS

Red Carpet Senior Citizens

  1. Covered, subject to policy-specified limits
Annual Health Checkup

Max Protect Premium

Not offered

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

Pre-Hospitalisation

Max Protect Premium

60 days before hospitalisation. Kindly confirm.

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

Post-Hospitalisation

Max Protect Premium

180 days after discharge. Kindly confirm.

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

Outpatient Department Cover (OPD Expense)

Max Protect Premium

Not covered. Doctor consultations are not covered.

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

Deductible Option

Max Protect Premium

Kindly refer to policy wording.

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

Coverage Options

Max Protect Premium

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

VS

Red Carpet Senior Citizens

Individual and Floater Sum Insured

Claim Settlement Ratio

Max Protect Premium

FY 24-25: ~84%

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

Maternity Cover

Max Protect Premium

Not offered

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

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

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

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