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Insurance Plans Comparison

ICICI Lombard Max Protect Premium vs ManipalCigna ProHealth Accumulate

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
ManipalCigna

ProHealth Accumulate

Carry forward a health maintenance benefit for outpatient and inpatient care, add 5% to any unused balance, and put up to half of it toward renewal premium, plus a guaranteed 5% cumulative bonus up to 200%.

What Makes It Special:

ProHealth focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.

Best For:

  • Not available

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.

ManipalCigna ProHealth Accumulate

Not available

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
ProHealth Accumulate
ProHealth Accumulate

Health Insurance Plan

Policy Wording

Room Rent

Max Protect Premium

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

VS

ProHealth Accumulate

Normal: Single Private AC Room

ICU: Up to Sum Insured

ICU Charges

Max Protect Premium

Kindly refer to policy wording

VS

ProHealth Accumulate

Information Unavailable

Advanced Treatments

Max Protect Premium

Information Unavailable

VS

ProHealth Accumulate

Sum Insured below ₹5 Lakh: Covered up to 50% of Sum Insured

Sum Insured ₹5 Lakh and above: Covered up to Sum Insured

Co-payment

Max Protect Premium

Kindly refer to policy wording.

VS

ProHealth Accumulate

Not mentioned

Disease-wise sublimits

Max Protect Premium

Kindly refer to the policy wording.

VS

ProHealth Accumulate

Information Unavailable

Waiting Period

Max Protect Premium

Information Unavailable

VS

ProHealth Accumulate

Initial Waiting Period: 30 Days

Pre-existing Disease Waiting Period:

Sum Insured up to ₹5 Lakh: 36 Months

Sum Insured ₹7.5 Lakh and above: 24 Months

Specific Disease/Procedure Waiting Period: 24 Months

Bariatric Surgery Waiting Period: 36 Months

Maternity & Infertility Waiting Period: 36 Months

Cashless Healthcare Providers

Max Protect Premium

14,000+ cashless network hospitals

VS

ProHealth Accumulate

Not mentioned

Restoration Benefit

Max Protect Premium

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

VS

ProHealth Accumulate

Information Unavailable

Cumulative Bonus

Max Protect Premium

Kindly review the policy wording.

VS

ProHealth Accumulate

Information Unavailable

Daycare Treatment

Max Protect Premium

Kindly refer to the policy wording.

VS

ProHealth Accumulate

Covered up to Sum Insured

Consumable Cover

Max Protect Premium

Kindly refer to policy wording.

VS

ProHealth Accumulate

Information Unavailable

AYUSH Treatment

Max Protect Premium

Kindly refer to policy wording.

VS

ProHealth Accumulate

Covered up to Sum Insured

Initial Waiting Period

Max Protect Premium

30 DAYS

VS

ProHealth Accumulate

Information Unavailable

Specific Waiting Period

Max Protect Premium

Kindly refer to policy wording.

VS

ProHealth Accumulate

Information Unavailable

PED Waiting Period

Max Protect Premium

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

VS

ProHealth Accumulate

Information Unavailable

Modern Treatment

Max Protect Premium

Covered. Kindly consult for limits.

VS

ProHealth Accumulate

Information Unavailable

Annual Health Checkup

Max Protect Premium

Not offered

VS

ProHealth Accumulate

Information Unavailable

Pre-Hospitalisation

Max Protect Premium

60 days before hospitalisation. Kindly confirm.

VS

ProHealth Accumulate

Information Unavailable

Post-Hospitalisation

Max Protect Premium

180 days after discharge. Kindly confirm.

VS

ProHealth Accumulate

Information Unavailable

Outpatient Department Cover (OPD Expense)

Max Protect Premium

Not covered. Doctor consultations are not covered.

VS

ProHealth Accumulate

Information Unavailable

Deductible Option

Max Protect Premium

Kindly refer to policy wording.

VS

ProHealth Accumulate

Information Unavailable

Coverage Options

Max Protect Premium

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

VS

ProHealth Accumulate

Information Unavailable

Claim Settlement Ratio

Max Protect Premium

FY 24-25: ~84%

VS

ProHealth Accumulate

Information Unavailable

Maternity Cover

Max Protect Premium

Not offered

VS

ProHealth Accumulate

Information Unavailable

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

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