Insurance Plans Comparison
TATA AIG Medicare LITE vs ICICI Lombard Max Protect Premium
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreMedicare LITE
Restore 100% of the sum insured once in a policy year if the balance and cumulative bonus fall short, earn a 50% bonus up to 100% after a claim-free year, and get a cashless health check-up every year.
What Makes It Special:
Affordable health insurance with comprehensive hospitalisation coverage
Best For:
Customers who want additional benefits such as Restore Benefit, health check-ups, teleconsultation and lifelong renewal.
Individuals looking for coverage that includes In-Patient Treatment, Day Care Treatment, AYUSH treatment and pre and post-hospitalisation expenses.
Customers who want Sum Insured options ranging from ₹5 lakh to ₹20 lakh.
Families looking for Individual or Family Floater health insurance coverage.
Individuals looking for a budget-friendly health insurance plan with comprehensive hospitalisation coverage.
VS
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
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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
Before choosing the plan, consider its waiting periods, age-linked and network-related co-payment conditions, room category and other policy terms that may affect your claim.
If you want additional protection after your available Sum Insured and accrued Cumulative Bonus are exhausted, the Restore Benefit automatically reinstates 100% of the Sum Insured once during the policy year, subject to applicable conditions.
MediCare LITE may be considered if you want both Individual and Family Floater policy options, with coverage available for eligible family members.
The plan offers Sum Insured options of ₹5 lakh, ₹7.5 lakh, ₹10 lakh, ₹15 lakh and ₹20 lakh, allowing you to select the coverage amount applicable to your requirements.
Consider MediCare LITE if you want a health insurance plan with In-Patient Treatment, Day Care Treatment and related medical expenses covered under one policy.
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
![]() Medicare LITE Health Insurance Plan VS VS |
![]() Max Protect Premium Health Insurance Plan |
| Room Rent |
|---|
Medicare LITE Normal: Single Private Room ICU: Up to Sum Insured |
VS VS |
Max Protect Premium Any room except suite. Suite room charges are shared with the insurer. |
| Advanced Treatments |
|---|
Medicare LITE Bariatric Surgery Cover Modern Treatments (subject to policy terms and limits) In-Patient Dental Treatment Hearing Aid Benefit |
VS VS |
Max Protect Premium Information Unavailable |
| ICU Charges |
|---|
Medicare LITE Information Unavailable |
VS VS |
Max Protect Premium Kindly refer to policy wording |
| Co-payment |
|---|
Medicare LITE 20% co-payment if entry age is 61 years or above at first coverage 30% co-payment for treatment outside the "Valued Provider – Pan India" network |
VS VS |
Max Protect Premium Kindly refer to policy wording. |
| Disease-wise sublimits |
|---|
Medicare LITE No specific disease-wise sublimit specified |
VS VS |
Max Protect Premium Kindly refer to the policy wording. |
| Waiting Period |
|---|
Medicare LITE Initial Waiting Period: 30 days Pre-existing Disease Waiting Period: 36 months |
VS VS |
Max Protect Premium Information Unavailable |
| Cashless Healthcare Providers |
|---|
Medicare LITE Cashless treatment available through Valued Provider – Pan India network |
VS VS |
Max Protect Premium 14,000+ cashless network hospitals |
| Restoration Benefit |
|---|
Medicare LITE 100% of Sum Insured restored once during the policy year |
VS VS |
Max Protect Premium Restores up to 100% of the sum insured, multiple times in a policy year. Kindly consult the conditions. |
| Daycare Treatment |
|---|
Medicare LITE Covered up to Sum Insured |
VS VS |
Max Protect Premium Kindly refer to the policy wording. |
| Cumulative Bonus |
|---|
Medicare LITE Information Unavailable |
VS VS |
Max Protect Premium Kindly review the policy wording. |
| AYUSH Treatment |
|---|
Medicare LITE Covered up to Sum Insured |
VS VS |
Max Protect Premium Kindly refer to policy wording. |
| Consumable Cover |
|---|
Medicare LITE Information Unavailable |
VS VS |
Max Protect Premium Kindly refer to policy wording. |
| Initial Waiting Period |
|---|
Medicare LITE Information Unavailable |
VS VS |
Max Protect Premium 30 DAYS |
| Specific Waiting Period |
|---|
Medicare LITE Information Unavailable |
VS VS |
Max Protect Premium Kindly refer to policy wording. |
| PED Waiting Period |
|---|
Medicare LITE Information Unavailable |
VS VS |
Max Protect Premium 3 years, reducible to 2 years with the add-on |
| Modern Treatment |
|---|
Medicare LITE Information Unavailable |
VS VS |
Max Protect Premium Covered. Kindly consult for limits. |
| Annual Health Checkup |
|---|
Medicare LITE Information Unavailable |
VS VS |
Max Protect Premium Not offered |
| Pre-Hospitalisation |
|---|
Medicare LITE Covered up to 60 days before hospitalisation |
VS VS |
Max Protect Premium 60 days before hospitalisation. Kindly confirm. |
| Post-Hospitalisation |
|---|
Medicare LITE Covered up to 180 days after hospitalisation |
VS VS |
Max Protect Premium 180 days after discharge. Kindly confirm. |
| Outpatient Department Cover (OPD Expense) |
|---|
Medicare LITE Not covered |
VS VS |
Max Protect Premium Not covered. Doctor consultations are not covered. |
| Deductible Option |
|---|
Medicare LITE Not specified |
VS VS |
Max Protect Premium Kindly refer to policy wording. |
| Coverage Options |
|---|
Medicare LITE ₹5 Lakhs, ₹7.5 Lakhs, ₹10 Lakhs, ₹15 Lakhs and ₹20 Lakhs |
VS VS |
Max Protect Premium ₹1 crore base cover. Room rent modifier and PED reduction add-ons available. |
| Claim Settlement Ratio |
|---|
Medicare LITE Not specified in the product prospectus |
VS VS |
Max Protect Premium FY 24-25: ~84% |
| Maternity Cover |
|---|
Medicare LITE Not covered |
VS VS |
Max Protect Premium Not offered |
Insurance Plans Comparison
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