OneAssure

Health Insurance

ICICI Lombard

Max Protect Classic

Stay in a single private room and reset up to 100% of the sum insured unlimited times when earlier claims use it up, with a 20% loyalty bonus each year up to 100% that is not reduced after a claim.

97.16%

Claim Settlement Ratio

9,000+

Network Hospitals

6.5/10

Plan Rating

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Our Verdict

Expert Review: ICICI Lombard Max Protect Classic

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

What Is Max Protect Classic?

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.

Max Protect Classic Ratings

Max Protect Classic

Insurer Rating

8.88

out of 10

Insurance Rating

6.5

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

Yes

Unlimited Restoration

No

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions

ICICI Lombard Max Protect Classic Inclusions

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

Cashless Healthcare Providers

7000+ Hospitals (Anywhere Cashless)

Waiting Period

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

Daycare Treatment

Covered

AYUSH Treatment

Covered up to Sum Insured

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About the company

About ICICI Lombard

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 a strong network of hospitals for cashless treatment. Many of its plans require minimal paperwork and no pre-policy medical check-ups, making it easy for customers to get insured. With digital tools for premium calculation, policy management, and instant claim assistance, ICICI Lombard combines technology with trusted service to make insurance accessible, simple, and dependable for every Indian.