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Insurance Plans Comparison

ICICI Lombard Max Protect Premium vs Niva Bupa Health Recharge Super Top Up Plan

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
Niva Bupa

Health Recharge Super Top Up Plan

Get super top-up cover of up to ₹95 lakh above an annual deductible of ₹1 lakh to ₹10 lakh, for inpatient care, all day-care treatments and 60 days before admission plus 90 days after discharge.

What Makes It Special:

A super top-up health insurance plan designed to add substantial cover above an annual aggregate deductible, with eligible Base Sum Insured options up to ₹95 Lakh.

Best For:

  • High coverage for seniors and their families

  • Easy cashless service across hospitals nationwide

  • Covers daycare and hospital treatments

  • Extra add-ons for enhanced protection

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.

Niva Bupa Health Recharge Super Top Up Plan

  • Prefer daily coverage for pharmacy & diagnostics

  • Want flexible deductible options for lower premiums

  • Need cashless treatment at large hospital network

  • Prefer 60-day pre & 90-day post-hospital care

  • You want coverage up to ₹95 lakhs

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 Recharge Super Top Up Plan
Health Recharge Super Top Up Plan

Health Insurance Plan

Room Rent

Max Protect Premium

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

VS

Health Recharge Super Top Up Plan

Accomodation up to 1% of Base Sum Insured per day is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category

ICU Charges

Max Protect Premium

Kindly refer to policy wording

VS

Health Recharge Super Top Up Plan

No restriction on ICU room rent

Co-payment

Max Protect Premium

Kindly refer to policy wording.

VS

Health Recharge Super Top Up Plan

Not Available

Disease-wise sublimits

Max Protect Premium

Kindly refer to the policy wording.

VS

Health Recharge Super Top Up Plan

No

Cashless Healthcare Providers

Max Protect Premium

14,000+ cashless network hospitals

VS

Health Recharge Super Top Up Plan

Information Unavailable

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 Recharge Super Top Up Plan

Not Available

Cumulative Bonus

Max Protect Premium

Kindly review the policy wording.

VS

Health Recharge Super Top Up Plan

Your sum insured increases by 5% every year, maximum up to 50%

Daycare Treatment

Max Protect Premium

Kindly refer to the policy wording.

VS

Health Recharge Super Top Up Plan

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Consumable Cover

Max Protect Premium

Kindly refer to policy wording.

VS

Health Recharge Super Top Up Plan

Yes

AYUSH Treatment

Max Protect Premium

Kindly refer to policy wording.

VS

Health Recharge Super Top Up Plan

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Initial Waiting Period

Max Protect Premium

30 DAYS

VS

Health Recharge Super Top Up Plan

30 days.

Specific Waiting Period

Max Protect Premium

Kindly refer to policy wording.

VS

Health Recharge Super Top Up Plan

2 years

PED Waiting Period

Max Protect Premium

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

VS

Health Recharge Super Top Up Plan

3 years

Modern Treatment

Max Protect Premium

Covered. Kindly consult for limits.

VS

Health Recharge Super Top Up Plan

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup

Max Protect Premium

Not offered

VS

Health Recharge Super Top Up Plan

Not Available

Pre-Hospitalisation

Max Protect Premium

60 days before hospitalisation. Kindly confirm.

VS

Health Recharge Super Top Up Plan

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

Max Protect Premium

180 days after discharge. Kindly confirm.

VS

Health Recharge Super Top Up Plan

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)

Max Protect Premium

Not covered. Doctor consultations are not covered.

VS

Health Recharge Super Top Up Plan

OPD expenses are covered

Deductible Option

Max Protect Premium

Kindly refer to policy wording.

VS

Health Recharge Super Top Up Plan

Available

Coverage Options

Max Protect Premium

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

VS

Health Recharge Super Top Up Plan

Available coverage options: ₹2L, 3L, 4L, 5L, 7.5L, 10L, 15L, 25L, 40L, 45L, 65L, 70L, 90L, 95L.

Claim Settlement Ratio

Max Protect Premium

FY 24-25: ~84%

VS

Health Recharge Super Top Up Plan

92.02%

Maternity Cover

Max Protect Premium

Not offered

VS

Health Recharge Super Top Up Plan

Not Available

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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