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Insurance Plans Comparison

ICICI Lombard Max Protect Premium vs Liberty Health Connect Elite

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
Liberty

Health Connect Elite

Maximum Coverage at Minimum Premium

What Makes It Special:

Secure Health Connect is a comprehensive health insurance plan offering hospitalisation coverage, cumulative bonus benefits, reload of Sum Insured, cashless treatment and flexible plan options.

Best For:

  • Policyholders looking for lifelong renewal options.

  • Families wanting cashless treatment across network hospitals.

  • Customers looking for cumulative bonus benefits.

  • Individuals seeking flexible Sum Insured options.

  • Families looking for comprehensive health insurance 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.

Liberty Health Connect Elite

  • Check the plan-specific room rent, co-payment and disease-wise sub-limits before buying.

  • Check the applicable waiting periods for pre-existing diseases and specified treatments.

  • Consider it if you want cumulative bonus benefits for claim-free years.

  • Consider it if you want a reload of Sum Insured from the first claim.

  • Consider the plan if you want flexible 1, 2 or 3-year policy terms.

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
Health Connect Elite
Health Connect Elite

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Max Protect Premium

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

VS

Health Connect Elite

Subject to selected plan limits

ICU Charges

Max Protect Premium

Kindly refer to policy wording

VS

Health Connect Elite

Covered as per selected plan

Co-payment

Max Protect Premium

Kindly refer to policy wording.

VS

Health Connect Elite

Applicable as per selected plan

Disease-wise sublimits

Max Protect Premium

Kindly refer to the policy wording.

VS

Health Connect Elite

Applicable as per selected plan

Cashless Healthcare Providers

Max Protect Premium

14,000+ cashless network hospitals

VS

Health Connect Elite

6,100+ network hospitals available

Restoration Benefit

Max Protect Premium

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

VS

Health Connect Elite

Reload available from first claim

Cumulative Bonus

Max Protect Premium

Kindly review the policy wording.

VS

Health Connect Elite

Up to 150% of Sum Insured

Daycare Treatment

Max Protect Premium

Kindly refer to the policy wording.

VS

Health Connect Elite

405 daycare procedures covered

Consumable Cover

Max Protect Premium

Kindly refer to policy wording.

VS

Health Connect Elite

Not specified in the brochure

AYUSH Treatment

Max Protect Premium

Kindly refer to policy wording.

VS

Health Connect Elite

Not specified in the brochure

Initial Waiting Period

Max Protect Premium

30 DAYS

VS

Health Connect Elite

30 days from policy commencement

Specific Waiting Period

Max Protect Premium

Kindly refer to policy wording.

VS

Health Connect Elite

2 years or 3 years

PED Waiting Period

Max Protect Premium

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

VS

Health Connect Elite

3 years for pre-existing diseases

Modern Treatment

Max Protect Premium

Covered. Kindly consult for limits.

VS

Health Connect Elite

Covered as per selected plan

Annual Health Checkup

Max Protect Premium

Not offered

VS

Health Connect Elite

Available as per plan conditions

Pre-Hospitalisation

Max Protect Premium

60 days before hospitalisation. Kindly confirm.

VS

Health Connect Elite

Up to 30 to 45 days

Post-Hospitalisation

Max Protect Premium

180 days after discharge. Kindly confirm.

VS

Health Connect Elite

Up to 45 to 60 days

Outpatient Department Cover (OPD Expense)

Max Protect Premium

Not covered. Doctor consultations are not covered.

VS

Health Connect Elite

Not covered under the policy

Deductible Option

Max Protect Premium

Kindly refer to policy wording.

VS

Health Connect Elite

Not specified in the brochure

Coverage Options

Max Protect Premium

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

VS

Health Connect Elite

₹2 Lakh to ₹15 Lakh

Claim Settlement Ratio

Max Protect Premium

FY 24-25: ~84%

VS

Health Connect Elite

Not specified in the brochure

Maternity Cover

Max Protect Premium

Not offered

VS

Health Connect Elite

Not covered except ectopic pregnancy

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

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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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