How is Premium different from Classic?

Premium adds international treatment, air ambulance access, and a claim protector. Kindly consult the policy wording for details.

Is treatment abroad covered?

Yes, under the international cover. Kindly consult the policy wording for limits and co-payment.

How does restoration work?

The sum insured is restored up to 100% in a policy year. Kindly consult the policy wording for conditions.

How long is the PED waiting period?

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

How do I claim with a cashless facility?

Use your health card at an ICICI Lombard network hospital. Pre-authorisation is subject to the insurer’s approval.

Is there a room rent limit?

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

OneAssure

Health Insurance

ICICI Lombard

Max Protect Premium

ICICI Lombard Max Protect Premium

A ₹1 crore family cover with international treatment and any-room access

97.16%

Claim Settlement Ratio

9,000+

Network Hospitals

10/10

Plan Rating

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Our Verdict

Expert Review: ICICI Lombard Max Protect Premium

Final Verdict

Max Protect Premium suits buyers who need ₹1 crore cover with international treatment and air ambulance access. It costs more than Classic and is best for buyers who value these added benefits.International cover limits and co-payment terms should be confirmed in the policy wording. The 3-year PED waiting period applies unless the add-on is chosen. Maternity and outpatient consultations are not covered.

About

What Is Max Protect Premium?

Max Protect Premium is the higher MaxProtect variant with ₹1 crore of hospitalisation cover. It includes international treatment cover, air ambulance access, and a claim protector feature.The plan allows any room except suite, and it includes restoration of the sum insured within a policy year. The pre-existing disease waiting period is 3 years, reducible to 2 years with an add-on.Maternity and outpatient consultations are not covered. Kindly consult the policy wording for limits on international cover and sublimits.

Max Protect Premium Ratings

Max Protect Premium

Insurer Rating

8.88

out of 10

Insurance Rating

10

out of 10

No Room Rent Limit

Yes

Consumables Covered

Yes

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

Yes

Unlimited Restoration

Yes

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

Yes

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 Premium Inclusions

Modern Treatment

Covered. Kindly consult for limits.

ICU Charges

Kindly refer to policy wording

Cumulative Bonus

Kindly review the policy wording.

Consumable Cover

Kindly refer to policy wording.

Initial Waiting Period

30 DAYS

Specific Waiting Period

Kindly refer to policy wording.

PED Waiting Period

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

Annual Health Checkup

Not offered

Post-Hospitalisation

180 days after discharge. Kindly confirm.

Outpatient Department Cover (OPD Expense)

Not covered. Doctor consultations are not covered.

Deductible Option

Kindly refer to policy wording.

Coverage Options

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

Maternity Cover

Not offered

AYUSH Treatment

Kindly refer to policy wording.

Co-payment

Kindly refer to policy wording.

Pre-Hospitalisation

60 days before hospitalisation. Kindly confirm.

Claim Settlement Ratio

FY 24-25: ~84%

Room Rent

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

Cashless Healthcare Providers

14,000+ cashless network hospitals

Daycare Treatment

Kindly refer to the policy wording.

Disease-wise sublimits

Kindly refer to the policy wording.

Restoration Benefit

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

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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.

FAQs

Frequently Asked Questions

Got questions about health insurance? You're not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.