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Insurance Plans Comparison

ICICI Lombard Max Protect Premium vs Star Young Star

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
Star

Young Star

Restore the basic sum insured by 100% for later claims in the same year, add a 20% cumulative bonus each claim-free year up to 100%, and get 25% extra cover, up to ₹10 lakh, after a helmeted two-wheeler accident.

What Makes It Special:

Young Star Insurance Policy is a health insurance plan designed for adults between 18 and 40 years, with dependent children eligible from 91 days to 25 years on a floater basis. It offers individual and family floater coverage, automatic restoration of Basic Sum Insured, cumulative bonus, health check-up benefits, wellness...

Best For:

  • Buyers looking for long-term health insurance with lifelong renewability

  • Customers who want wellness-based premium discounts

  • Customers looking for automatic restoration of Basic Sum Insured

  • Young families seeking individual or family floater coverage

  • Adults between 18 and 40 years looking for health insurance

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.

Star Young Star

  • The restored Sum Insured cannot be carried forward and does not apply to Modern Treatment.

  • The maternity benefit is available only under the Gold Plan and has specific eligibility and waiting period conditions.

  • Room eligibility is based on a Single Private A/C Room, with proportionate deductions for higher room categories.

  • Specified diseases and procedures have a 12-month waiting period.

  • The PED waiting period is 12 months.

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
Young Star
Young Star

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Max Protect Premium

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

VS

Young Star

Single Private A/C Room, with proportionate deductions applicable for higher room categories


ICU Charges

Max Protect Premium

Kindly refer to policy wording

VS

Young Star

Covered as part of hospitalisation expenses

Co-payment

Max Protect Premium

Kindly refer to policy wording.

VS

Young Star

No standard co-payment specified in the supplied policy document

Disease-wise sublimits

Max Protect Premium

Kindly refer to the policy wording.

VS

Young Star

Applicable limits may apply to specific treatments and benefits


Cashless Healthcare Providers

Max Protect Premium

14,000+ cashless network hospitals

VS

Young Star

Cashless hospitalisation available through Star Health network hospitals

Restoration Benefit

Max Protect Premium

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

VS

Young Star

100% Automatic Restoration of Basic Sum Insured, subject to policy conditions


Cumulative Bonus

Max Protect Premium

Kindly review the policy wording.

VS

Young Star

20% of Basic Sum Insured for every claim-free year, up to 100% of Basic Sum Insured

Daycare Treatment

Max Protect Premium

Kindly refer to the policy wording.

VS

Young Star

All Day Care Procedures Covered

Consumable Cover

Max Protect Premium

Kindly refer to policy wording.

VS

Young Star

Not specifically mentioned in the supplied policy document


AYUSH Treatment

Max Protect Premium

Kindly refer to policy wording.

VS

Young Star

Covered, subject to applicable policy terms


Initial Waiting Period

Max Protect Premium

30 DAYS

VS

Young Star

30 Days, except for eligible accident-related claims

Specific Waiting Period

Max Protect Premium

Kindly refer to policy wording.

VS

Young Star

12 Months for specified diseases and procedures


PED Waiting Period

Max Protect Premium

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

VS

Young Star

12 Months for pre-existing diseases and their direct complications


Modern Treatment

Max Protect Premium

Covered. Kindly consult for limits.

VS

Young Star

Covered subject to applicable limits

Annual Health Checkup

Max Protect Premium

Not offered

VS

Young Star

Available after completion of each policy year, subject to applicable limits and renewal


Pre-Hospitalisation

Max Protect Premium

60 days before hospitalisation. Kindly confirm.

VS

Young Star

Covered for up to 60 Days

Post-Hospitalisation

Max Protect Premium

180 days after discharge. Kindly confirm.

VS

Young Star

Covered for up to 90 Days

Outpatient Department Cover (OPD Expense)

Max Protect Premium

Not covered. Doctor consultations are not covered.

VS

Young Star

Not specified as a standard OPD benefit

Deductible Option

Max Protect Premium

Kindly refer to policy wording.

VS

Young Star

1-day deductible applies to the Hospital Cash Benefit


Coverage Options

Max Protect Premium

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

VS

Young Star

₹3 Lakh to ₹1 Crore, with ₹3 Lakh available only on an individual basis; higher options available on individual and floater basis


Claim Settlement Ratio

Max Protect Premium

FY 24-25: ~84%

VS

Young Star

Not specified in the supplied policy document

Maternity Cover

Max Protect Premium

Not offered

VS

Young Star

Delivery expenses up to ₹30,000 per delivery under the Gold Plan, subject to a 36-month waiting period and other conditions


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

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From choosing the right policy to managing claims, every step is handled for you

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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.

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