How does the Reset Benefit work in MaxProtect Classic?

If the Sum Insured gets exhausted during the policy year due to an illness, the policy automatically restores the Sum Insured to its original amount. This reset benefit can be used unlimited times for any illness during the policy year.

What is the maximum coverage available under MaxProtect Classic?

The policy offers Sum Insured options starting from ₹1 Crore and extending up to Unlimited Sum Insured. Customers can choose the coverage level based on their requirements.

Does MaxProtect Classic offer cashless hospitalization?

Yes. The policy provides access to cashless hospitalization through ICICI Lombard's Anywhere Cashless feature, allowing treatment at 7000+ hospitals subject to policy terms and conditions.

Is worldwide medical treatment covered under MaxProtect Classic?

No. Worldwide cover is available only under the Premium variant of MaxProtect. The Classic variant does not include worldwide medical treatment coverage.

OneAssure

Health Insurance

ICICI Lombard

Max Protect Classic

Experience India's most trusted health insurance with ICICI Lombard Health Insurance. Get instant cashless treatment at 10601 network hospitals with sum insured up to ₹50 lakhs.

97.16

Claim Settlement Ratio

10601

Network Hospitals

0

Customer Rating

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97.16

Claim Settlement Ratio

10601

Network Hospitals

0

Customer Rating

Our Verdict

Expert Review: ICICI Lombard Health Insurance

Final Verdict

MaxProtect Classic is a high-coverage health insurance plan that combines unlimited restoration benefits, cashless hospitalization flexibility and coverage up to unlimited sum insured. It is suitable for customers seeking strong hospitalization protection with very large coverage limits.

About

About ICICI Lombard Health Insurance

ICICI Lombard MaxProtect Classic is a comprehensive health insurance plan designed to provide very high hospitalization coverage ranging from ₹1 Crore to Unlimited Sum Insured. The policy covers inpatient hospitalization, AYUSH treatment, advanced medical procedures, daycare treatments, domiciliary hospitalization, organ donor expenses, ambulance services and bariatric surgery after the applicable waiting period. The plan's key strength is its unlimited reset benefit, which restores the sum insured unlimited times during the policy year for any illness. Additional benefits include unlimited teleconsultations, loyalty bonus accumulation, and access to cashless treatment through ICICI Lombard's Anywhere Cashless network.

ICICI Lombard MaxProtect Classic is a comprehensive health insurance plan designed to provide very high hospitalization coverage ranging from ₹1 Crore to Unlimited Sum Insured. The policy covers inpatient hospitalization, AYUSH treatment, advanced medical procedures, daycare treatments, domiciliary hospitalization, organ donor expenses, ambulance services and bariatric surgery after the applicable waiting period. The plan's key strength is its unlimited reset benefit, which restores the sum insured unlimited times during the policy year for any illness....

Inclusions and Exclusions

Inclusions and Exclusions of ICICI Lombard Insurance Company Limited

Room Rent

Normal: Any hospital room except Suite Room
ICU: Covered up to Sum Insured

Advanced Treatments

Covered up to ₹1 Crore

Co-payment

No co-payment requirement mentioned

Waiting Period

Initial Waiting Period: 30 Days
Pre-existing Disease Waiting Period: 36 Months
Specific Disease/Procedure Waiting Period: 24 Months

Cashless Healthcare Providers

7000+ Hospitals (Anywhere Cashless)

Daycare Treatment

Covered

AYUSH Treatment

Covered up to Sum Insured

Room Rent

Normal: Any hospital room except Suite Room
ICU: Covered up to Sum Insured

Advanced Treatments

Covered up to ₹1 Crore

Co-payment

No co-payment requirement mentioned

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Exclusions

Not available

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About the company

ICICI Lombard General Insurance is one of India’s leading private sector insurers, known for providing reliable and comprehensive insurance solutions. It is a joint venture between ICICI Bank, one of India’s largest private banks, and Fairfax Financial Holdings, a global financial services group. Established in 2001, ICICI Lombard has grown rapidly and now serves millions of customers across the country. The company offers a wide range of products, including health, motor, travel, home, and personal accident insurance, catering to individuals, families, and businesses. Its health insurance offerings include regular health plans, super top-up plans, critical illness cover, and personal accident plans, all designed to provide financial protection against unexpected medical expenses. ICICI Lombard stands out for its customer-focused approach, quick and transparent claim settlement, and...

ICICI Lombard General Insurance is one of India’s leading private sector insurers, known for providing reliable and comprehensive insurance solutions. It is a joint venture between ICICI Bank, one of India’s largest private banks, and Fairfax Financial Holdings, a global financial services group. Established in 2001, ICICI Lombard has grown rapidly and now serves millions of customers across the country. The company offers a wide range of products, including health, motor, travel, home, and personal...