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Insurance Plans Comparison

Royal Sundaram Advanced Top Up vs ICICI Lombard Max Protect Premium

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Royal Sundaram

Advanced Top Up

A top-up that pays after an annual aggregate deductible is used up, then adds up to 10% of the sum insured in a life-threatening condition and covers home treatment up to ₹50,000 an event.

What Makes It Special:

Advanced Top Up is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.

Best For:

  • Not available
VS
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

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

Royal Sundaram Advanced Top Up

Not available

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.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Advanced Top Up
Advanced Top Up

Health Insurance Plan

Brochure

Policy Wording

VS
Max Protect Premium
Max Protect Premium

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Advanced Top Up

Covered up to Sum Insured

Covered up to Sum Insured

VS

Max Protect Premium

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

Advanced Treatments

Advanced Top Up

Covered up to Sum Insured

VS

Max Protect Premium

Information Unavailable

ICU Charges

Advanced Top Up

Information Unavailable

VS

Max Protect Premium

Kindly refer to policy wording

Co-payment

Advanced Top Up

Not mentioned

VS

Max Protect Premium

Kindly refer to policy wording.

Disease-wise sublimits

Advanced Top Up

Information Unavailable

VS

Max Protect Premium

Kindly refer to the policy wording.

Waiting Period

Advanced Top Up

30 Days

36 Months

24 Months

VS

Max Protect Premium

Information Unavailable

Cashless Healthcare Providers

Advanced Top Up

Not mentioned

VS

Max Protect Premium

14,000+ cashless network hospitals

Restoration Benefit

Advanced Top Up

Information Unavailable

VS

Max Protect Premium

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

Daycare Treatment

Advanced Top Up

Covered up to Sum Insured

VS

Max Protect Premium

Kindly refer to the policy wording.

Cumulative Bonus

Advanced Top Up

Information Unavailable

VS

Max Protect Premium

Kindly review the policy wording.

AYUSH Treatment

Advanced Top Up

Covered up to Sum Insured

VS

Max Protect Premium

Kindly refer to policy wording.

Consumable Cover

Advanced Top Up

Information Unavailable

VS

Max Protect Premium

Kindly refer to policy wording.

Initial Waiting Period

Advanced Top Up

Information Unavailable

VS

Max Protect Premium

30 DAYS

Specific Waiting Period

Advanced Top Up

Information Unavailable

VS

Max Protect Premium

Kindly refer to policy wording.

PED Waiting Period

Advanced Top Up

Information Unavailable

VS

Max Protect Premium

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

Modern Treatment

Advanced Top Up

Information Unavailable

VS

Max Protect Premium

Covered. Kindly consult for limits.

Annual Health Checkup

Advanced Top Up

Information Unavailable

VS

Max Protect Premium

Not offered

Pre-Hospitalisation

Advanced Top Up

Information Unavailable

VS

Max Protect Premium

60 days before hospitalisation. Kindly confirm.

Post-Hospitalisation

Advanced Top Up

Information Unavailable

VS

Max Protect Premium

180 days after discharge. Kindly confirm.

Outpatient Department Cover (OPD Expense)

Advanced Top Up

Information Unavailable

VS

Max Protect Premium

Not covered. Doctor consultations are not covered.

Deductible Option

Advanced Top Up

Information Unavailable

VS

Max Protect Premium

Kindly refer to policy wording.

Coverage Options

Advanced Top Up

Information Unavailable

VS

Max Protect Premium

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

Claim Settlement Ratio

Advanced Top Up

Information Unavailable

VS

Max Protect Premium

FY 24-25: ~84%

Maternity Cover

Advanced Top Up

Information Unavailable

VS

Max Protect Premium

Not offered

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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