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Last updated on: May 20, 2025
The key pain points associated with choosing 1 crore health insurance in India for 2025 include justifying the high sum insured, understanding the layered policy structure, and ensuring inclusion of global and specialized treatment benefits. The featured 1 Crore Health Insurance in India effectively addresses these issues by offering all-inclusive coverage for high-cost treatments, international medical care, critical illnesses, and long-term hospitalization. It is ideal for HNIs, business owners, and families seeking top-tier medical protection without financial limits. The platform enhances user clarity with transparent breakdowns, AI-driven customization based on lifestyle and risk exposure, and expert guidance to ensure maximum return on investment and seamless claims experience.
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The selection of the appropriate health insurance scheme is becoming increasingly important to Indian families in half a decade. The plans offered by ICICI Lombard like the ICICI Lombard Elevate Health Plan and ICICI Lombard Max Protect Premium Plan are of particular interest in the context of increasing medical inflation and the growing need to have the coverage that would meet the modern lifestyle. The two ICICI Lombard policies are designed to meet the changing healthcare requirements, as one of the most influential general insurers in India. But what one is more appropriate than another one to you or your family?
This paper shall give a concise and comprehensive comparison between ICICI Lombard Elevate and Max Protect Premium, their features, advantages, and their possible disadvantage to the customers in India during this year. The guide has all the details the users who are thinking about such options desire such as the cost, inclusions, exclusions, and waiting period as well as expert reviews to make a sure informed decision.
ICICI Lombard Elevate Health Plan is aimed at urban professionals and nuclear families who need to have flexibility of choice and high-value healthcare protection. It has the different sum insured options, wellness rewards and digital-first features, which attract tech-savvy Indians.
The ICICI Lombard Max Protect Premium Plan is a complete plan, aimed at customers who do not want to have any limits on the hospitalization costs, room rents, and geographical barriers. Larger families or individuals who want to have premium healthcare access anywhere in India usually select it.
Did you know?
The Indian health insurance market is expected to continue expanding at a CAGR of more than 15 percent in the period under analysis, 2023-28, so the choice of the plan is increasingly difficult and competitive with each passing year.
Is ICICI Lombard Elevate Plan cashless?
Yes, Elevate Plan provides cashless hospitalisation in eight thousand and above network hospitals in India.
Expert Insight:
Health insurance experts suggest Max Protect Premium Plan to people who want to have peace of mind and have no compromise-based hospital cover, particularly the elderly and the people who have lifestyle diseases.
| Criteria | Elevate Plan | Max Protect Premium Plan |
|---|---|---|
| Entry Age (Adult) | 18 - 65 years | 18 - 70 years |
| Entry Age (Child) | 91 days and above | 1 day and above |
| Maximum Age | Lifelong renewal | Lifelong renewal |
| Family Floater | Yes | Yes |
| Maternity Covering | After 2 years | After 3 years |
| Pre-Existing Diseases | 3 years wait after 2 years wait | 3 years wait after 2 years wait |
| Pre/Post Hospitalisation | 60/180 days | 60/180 days |
| Wellness Benefits | Yes | Yes, improved |
What is the speed of pre-existing disease coverage?
After two years with Elevate, after three years with Max Protect Premium.
Both these plans consider age, family size, medical past, sum insured and tier of the city to calculate annual premiums. Elevate Health Plan premiums begin at approximately 5,000 per annum, on a basic single adult aged young adult patient, with a cover of 5 lakh, whereas a similar cover in the Max Protect Premium costs more by 20-30 percent, as it has the added features, and the limits on claims are better. The premiums are further raised with family cover and high sum insureds, which can be better in the long run.
| Plan | Adult Age 30, cover 5 Lakhs | Adult age 45, Family Floater 10 Lakhs |
|---|---|---|
| Elevate Plan | Rs 5,500 - Rs 6,700 | Rs 16,500 - Rs 18,700 |
| Max Protect Premium | Rs 7,800 - Rs 8,900 | Rs 21,000 - Rs 24,500 |
Remark: Premiums are taxes and discounts as per online purchase in 2025.
Pros:
Cons:
Did you know?
More than 60 percent of policyholders who are less than 40 years old opt to take Elevate Plan due to flexible sum insured and technology-first services.
Pros:
Cons:
ICICI Lombard Elevate Plan:
ICICI Lombard Max Protect Premium Plan:
Expert Insight:
In metro cities, many middle-aged couples combine Elevate having been bought by them as a family cover and Max Protect parental-only floater to maximise covers and expenses.
ICICI Lombard Elevate Plan is cheap, digital, and flexible, which are suitable to young families and technological individuals in urban locations. Max Protect Premium Plan is exhaustive, does not require any reinstatement, and covers all international areas and is best suited in case of higher risk, or when the person requires unlimited care in hospitals.
You will base your choice on your family size, age bracket, insurance requirements and your spending on 2025.
What ICICI Lombard plan is the most value-oriented when it comes to big families?
Max protect premium plan is viable in large families because of the unlimited reinstatement and wide family floater eligibility.
How long are the waiting periods of these plans regarding maternity cover?
Elevate Plan has a maternity waiting period of two years whilst Max Protect Premium has a waiting period of three years as of 2025.
Both these plans cashless in India?
Indeed, the two provide cashless services in over 8,000 hospitals. Max Protect Premium is also applicable in some hospitals which are not located in India.
Am I eligible to receive tax deductions on the premiums paid?
Absolutely. Under Section 80D of the Income Tax Act, both plans are entitled to premiums as per the current conditions as at 2025.
Is OPD covered in any plan?
Both plans include the add-on of OPD cover which is more comprehensive in the Max Protect Premium.
Did you know?
More than 80 percent of health insurance claims in India are currently being settled online, which makes insurers such as ICICI Lombard to improve e-health services to an even greater level in 2025.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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