Oneassure

Partner with us

Insurance Plans Comparison

ICICI Lombard Max Protect Premium vs TATA AIG Medicare

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
TATA AIG

Medicare

Cover specified hospital consumables and inpatient treatment abroad if you were diagnosed in India, restore the basic sum insured when that cover and the cumulative bonus are exhausted, and add a 50% bonus up to 100% after a claim-free year.

What Makes It Special:

Tata AIG MediCare is a comprehensive health insurance plan that provides coverage for inpatient hospitalisation, Day Care Treatment, pre and post-hospitalisation expenses, domiciliary treatment and AYUSH treatment. The policy also includes benefits such as automatic restoration of the Sum Insured, Cumulative Bonus, preventive health check-ups, second medical opinion and additional...

Best For:

  • Customers who value additional healthcare services such as preventive health check-ups and second medical opinions.

  • Individuals looking for additional protection through restoration and Cumulative Bonus benefits.

  • Customers who want coverage for domiciliary treatment and AYUSH treatment.

  • Families looking for health insurance with Family Floater coverage.

  • Individuals looking for comprehensive hospitalisation and Day Care Treatment coverage.

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.

TATA AIG Medicare

  • The policy also provides additional benefits such as preventive health check-ups, second medical opinion and other healthcare support, subject to the applicable limits and conditions.

  • Domiciliary Treatment is covered when the treatment exceeds three days and the applicable policy conditions are satisfied.

  • A 50% Cumulative Bonus is added after each claim-free policy year, up to a maximum of 100% of the Sum Insured, subject to policy conditions.

  • The policy provides automatic restoration of the Basic Sum Insured after the Sum Insured and accrued Cumulative Bonus are exhausted, subject to applicable conditions.

  • Consider Tata AIG MediCare if you want coverage for inpatient hospitalisation, Day Care Treatment, pre-hospitalisation and post-hospitalisation expenses.

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
Medicare
Medicare

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Max Protect Premium

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

VS

Medicare

  1. Normal: 2% of the sum insured per day
  2. ICU: 4% of the sum insured per day
ICU Charges

Max Protect Premium

Kindly refer to policy wording

VS

Medicare

4% of Sum Insured per day

Co-payment

Max Protect Premium

Kindly refer to policy wording.

VS

Medicare

No Specific Mandatory Co-payment Mentioned

Disease-wise sublimits

Max Protect Premium

Kindly refer to the policy wording.

VS

Medicare

Applicable to Specified Treatments

Waiting Period

Max Protect Premium

Information Unavailable

VS

Medicare

  1. Initial Waiting Periods: 30 Days
  2. Specific Diseases/procedures: 24 Months
  3. Pre-Existing Diseases: 36 Months
Cashless Healthcare Providers

Max Protect Premium

14,000+ cashless network hospitals

VS

Medicare

11,000+ Cashless 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

Medicare

Available Once for Road Traffic Accident

Cumulative Bonus

Max Protect Premium

Kindly review the policy wording.

VS

Medicare

5% of Sum Insured per claim-free year

Daycare Treatment

Max Protect Premium

Kindly refer to the policy wording.

VS

Medicare

Cover expenses for listed Day Care Treatment due to disease/illness/injury during the policy period taken at a hospital or a Day Care Centre.

Consumable Cover

Max Protect Premium

Kindly refer to policy wording.

VS

Medicare

Not Covered as a Separate Benefit

AYUSH Treatment

Max Protect Premium

Kindly refer to policy wording.

VS

Medicare

Cover for expenses incurred for treatment as in-patient in AYUSH Hospital.

Initial Waiting Period

Max Protect Premium

30 DAYS

VS

Medicare

30 Days

Specific Waiting Period

Max Protect Premium

Kindly refer to policy wording.

VS

Medicare

24 Months

PED Waiting Period

Max Protect Premium

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

VS

Medicare

36 Months

Modern Treatment

Max Protect Premium

Covered. Kindly consult for limits.

VS

Medicare

Covered up to 25% of Sum Insured

Annual Health Checkup

Max Protect Premium

Not offered

VS

Medicare

Available as per Policy Terms

Pre-Hospitalisation

Max Protect Premium

60 days before hospitalisation. Kindly confirm.

VS

Medicare

Covered for Up to 30 Days

Post-Hospitalisation

Max Protect Premium

180 days after discharge. Kindly confirm.

VS

Medicare

Covered for Up to 60 Days

Outpatient Department Cover (OPD Expense)

Max Protect Premium

Not covered. Doctor consultations are not covered.

VS

Medicare

Not Covered under Base Policy

Deductible Option

Max Protect Premium

Kindly refer to policy wording.

VS

Medicare

Not Specified

Coverage Options

Max Protect Premium

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

VS

Medicare

₹1 Lakh to ₹10 Lakh

Claim Settlement Ratio

Max Protect Premium

FY 24-25: ~84%

VS

Medicare

Not Specified

Maternity Cover

Max Protect Premium

Not offered

VS

Medicare

Not Covered

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

Medicare vs Supreme Senior Premium

Medicare vs Energy Silver Without Copay

Medicare vs Ultimate

Medicare vs EquiCover

Medicare vs Optima Secure Global Plus

Oneassure

Health Insurance

Compare Health Insurance Plans

Max Protect Premium Vs Medicare

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.