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Insurance Plans Comparison

ICICI Lombard Max Protect Premium vs Niva Bupa Reassure 3.0 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
Niva Bupa

Reassure 3.0 Elite

Health insurance with enhanced modern treatment coverage, broader room eligibility and flexible cost-sharing options.

What Makes It Special:

ReAssure 3.0 Elite offers hospitalisation coverage with unlimited modern treatment coverage and eligibility for all room categories except Deluxe and Suite. The plan includes pre- and post-hospitalisation benefits, AYUSH treatment and ambulance coverage, subject to policy conditions. It also offers configurable co-payment and annual aggregate deductible options. Optional enhancements include...

Best For:

  • Buyers who value additional wellness benefits and claim-free-year rewards, subject to eligibility.

  • Individuals interested in optional OPD and specified non-payable expense coverage.

  • Buyers who prefer flexible co-payment and deductible options.

  • Individuals seeking coverage for modern treatments, subject to policy conditions.

  • Buyers who want broader room eligibility than a general-room or twin-sharing restriction.

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 Reassure 3.0 Elite

  • Optional benefits: Review the costs, limits and conditions of OPD coverage, non-payable expense protection and other add-ons.

  • Coverage limits: Confirm the sum insured, treatment-specific limits, ambulance benefits and restoration conditions.

  • Out-of-pocket costs: Compare co-payment percentages and deductible options before selecting the policy.

  • Waiting periods: Review initial, pre-existing disease and specific-disease waiting periods, including any available modifications.

  • Room eligibility: Check the exclusion of Deluxe and Suite rooms and understand the consequences of choosing a room outside the permitted category.

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
Reassure 3.0 Elite
Reassure 3.0 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

Reassure 3.0 Elite

Covers all rooms except Deluxe/Suite at no co-payment; 20% co-payment for Deluxe/Suite.

ICU Charges

Max Protect Premium

Kindly refer to policy wording

VS

Reassure 3.0 Elite

Covered as part of hospitalisation expenses up to SI.

Co-payment

Max Protect Premium

Kindly refer to policy wording.

VS

Reassure 3.0 Elite

Optional: 0%, 20%, 30%, 40%, 50% available.

Disease-wise sublimits

Max Protect Premium

Kindly refer to the policy wording.

VS

Reassure 3.0 Elite

No disease-wise sub-limits; no ₹1L cap on modern treatments.

Cashless Healthcare Providers

Max Protect Premium

14,000+ cashless network hospitals

VS

Reassure 3.0 Elite

Niva Bupa network hospitals subject to authorisation.

Restoration Benefit

Max Protect Premium

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

VS

Reassure 3.0 Elite

ReAssure Forever: Base SI restored after first claim, unlimited times.

Cumulative Bonus

Max Protect Premium

Kindly review the policy wording.

VS

Reassure 3.0 Elite

Booster+ add on: Accumulates up to 10X base SI carried forward annually.

Daycare Treatment

Max Protect Premium

Kindly refer to the policy wording.

VS

Reassure 3.0 Elite

Covered for ≥2 hours hospitalisations per policy terms

Consumable Cover

Max Protect Premium

Kindly refer to policy wording.

VS

Reassure 3.0 Elite

Claim Safeguard+ available as optional (add-on) benefit for non-payable items.

AYUSH Treatment

Max Protect Premium

Kindly refer to policy wording.

VS

Reassure 3.0 Elite

Covered for ≥24 hours AYUSH hospitalisation up to SI.

Initial Waiting Period

Max Protect Premium

30 DAYS

VS

Reassure 3.0 Elite

30 days (except accidents).

Specific Waiting Period

Max Protect Premium

Kindly refer to policy wording.

VS

Reassure 3.0 Elite

24 months standard with modifiable options.

PED Waiting Period

Max Protect Premium

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

VS

Reassure 3.0 Elite

36 months standard with reduction option available.

Modern Treatment

Max Protect Premium

Covered. Kindly consult for limits.

VS

Reassure 3.0 Elite

Modern treatments covered up to sum insured (no capping like Classic/Select).

Annual Health Checkup

Max Protect Premium

Not offered

VS

Reassure 3.0 Elite

Available from Day 1 on cashless basis; Elite has broader defined package.

Pre-Hospitalisation

Max Protect Premium

60 days before hospitalisation. Kindly confirm.

VS

Reassure 3.0 Elite

Up to 60 days before hospitalisation when related to approved claim.

Post-Hospitalisation

Max Protect Premium

180 days after discharge. Kindly confirm.

VS

Reassure 3.0 Elite

Covered for 180 days after discharge for eligible expenses.

Outpatient Department Cover (OPD Expense)

Max Protect Premium

Not covered. Doctor consultations are not covered.

VS

Reassure 3.0 Elite

Not in base; Wellconsult+ available with wellness benefits.

Deductible Option

Max Protect Premium

Kindly refer to policy wording.

VS

Reassure 3.0 Elite

Annual Aggregate Deductible available as optional feature

Coverage Options

Max Protect Premium

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

VS

Reassure 3.0 Elite

₹5L, ₹10L, Unlimited SI.

Claim Settlement Ratio

Max Protect Premium

FY 24-25: ~84%

VS

Reassure 3.0 Elite

Not stated for ReAssure 3.0 Elite variant.

Maternity Cover

Max Protect Premium

Not offered

VS

Reassure 3.0 Elite

Not in standard Elite base benefit.

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.

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