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Insurance Plans Comparison

ICICI Lombard Max Protect Premium vs TATA AIG Medicare Plus

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
TATA AIG

Medicare Plus

Affordable super top-up health insurance with higher coverage, flexible deductibles and additional protection.

What Makes It Special:

Tata AIG Medicare Plus is a comprehensive health insurance plan that covers hospitalization, pre- and post-hospitalization, daycare procedures, and cashless treatment across a wide hospital network. With high sum insured options and useful add-ons, it ensures financial security and peace of mind for individuals and families against rising healthcare costs.

Best For:

  • Add-ons for extra protection

  • Covers daycare & hospitalization care

  • Easy cashless treatment nationwide

  • High coverage for you & your family

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.

TATA AIG Medicare Plus

  • You want a family-friendly plan that ensures peace of mind

  • You want add-ons like global cover or critical illness protection

  • You want daycare, pre- and post-hospitalization expenses covered

  • You want cashless treatment at top hospitals nationwide

  • You want wide coverage with a high sum insured

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
Medicare Plus
Medicare Plus

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Max Protect Premium

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

VS

Medicare Plus

No capping on room rent or ICU charges.

ICU Charges

Max Protect Premium

Kindly refer to policy wording

VS

Medicare Plus

No restriction on ICU room rent

Co-payment

Max Protect Premium

Kindly refer to policy wording.

VS

Medicare Plus

Not available

Disease-wise sublimits

Max Protect Premium

Kindly refer to the policy wording.

VS

Medicare Plus

No

Waiting Period

Max Protect Premium

Information Unavailable

VS

Medicare Plus

  1. Initial waiting period: 30 Days

     

  2. Specific Waiting Periods: 24 Months 

     

  3. Pre-Existing Diseases: 36 Months 
Cashless Healthcare Providers

Max Protect Premium

14,000+ cashless network hospitals

VS

Medicare Plus

12046+ Healthcare Providers

Restoration Benefit

Max Protect Premium

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

VS

Medicare Plus

Not available

Cumulative Bonus

Max Protect Premium

Kindly review the policy wording.

VS

Medicare Plus

Your sum insured increases by 50% for every claim-free year, upto 100%. If a claim is made during the policy year, the cumulative bonus is reduced by 50% in the next policy year

Daycare Treatment

Max Protect Premium

Kindly refer to the policy wording.

VS

Medicare Plus

Cover expenses for listed Day Care Treatment due to disease/illness/Injury during the policy period taken at a hospital or a Day Care Centre. 

Consumable Cover

Max Protect Premium

Kindly refer to policy wording.

VS

Medicare Plus

Yes

AYUSH Treatment

Max Protect Premium

Kindly refer to policy wording.

VS

Medicare Plus

Covers treatments under Ayurveda, Unani, Siddha, and Homeopathy systems.

Initial Waiting Period

Max Protect Premium

30 DAYS

VS

Medicare Plus

30 days

Specific Waiting Period

Max Protect Premium

Kindly refer to policy wording.

VS

Medicare Plus

2 years

PED Waiting Period

Max Protect Premium

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

VS

Medicare Plus

3 years

Modern Treatment

Max Protect Premium

Covered. Kindly consult for limits.

VS

Medicare Plus

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

Medicare Plus

Health check-up is available once every policy year, from day 1 of the policy

Pre-Hospitalisation

Max Protect Premium

60 days before hospitalisation. Kindly confirm.

VS

Medicare Plus

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

Medicare Plus

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

Medicare Plus

OPD expense is not included

Deductible Option

Max Protect Premium

Kindly refer to policy wording.

VS

Medicare Plus

Available

Coverage Options

Max Protect Premium

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

VS

Medicare Plus

Available coverage options: ₹3L, ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr

Claim Settlement Ratio

Max Protect Premium

FY 24-25: ~84%

VS

Medicare Plus

95.43%

Maternity Cover

Max Protect Premium

Not offered

VS

Medicare Plus

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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