ICICI Lombard Max Protect Insurance Plan

The ICICI Lombard Max Protect Insurance Plan is an exhaustive health insurance cover that is exuding prominence in the year 2025 with its holist valuable coverage, flexibility, and customer-driven functionalities. With the increase in medical expenses, financial insecurity, public interest is rising in a plan that supports hospitalisation, even more prevents wellness, digital wellness, and stress-free settlement of claims. In this article, you will find a comprehensive profile of the ICICI Lombard Max Protect Insurance Plan, its highlights, advantages and disadvantages, the opinion of experts, and some easy-to-understand advice on whether the product is the right one to meet your health and wellness goals and needs.

What is max protect insurance plan?

New and upgraded ICICI Lombard solution: Offered by ICICI Lombard, Max Protect Plan is an improved health insurance offering that will offer a strong cover to changing demands of Indian families in 2025. The purpose of this plan is to provide service to the individual people, couples with families who seek a combination of good price, integrity and convenience in their insurance experience.

Contrary to the conventional health policies, the Max Protect Plan has high sum insured options, reward activities, wide network of hospitals, and digital-first functionalities including e-cards and track claim through the app.

Which are the Main Details of the ICICI Lombard Max Protect Insurance Plan?

Measuring the appropriateness of the Max Protect Health Insurance can be done by understanding the key attractions:

• The basic and premium medical requirements covered by high-sum insured ranging between 5 lakh to 1 crore.
• Up to 60days pre hospitalisation cover and up to 180days post hospitalisation.
• No rent capping on room, so that it is possible to choose any hospital room and not to worry about any limitations.
• Reinstatement the sum insured without capping of unrelated or same illness within the policy year.
• Annual checks of the free health checkup vouchers even without making claims.
• It has cashless treatment facility in 6500 plus network hospitals in India.
• No health flexibility to liability renewals.
• Its 2024 renewal of trust, its 100 percent claim settlement ratio is also published.
• Insurance of recent methods of treatment such as robotic surgeries, oral chemotherapy, and the cost of organ donors.
• Healthy behaviour such as taking part in fitness challenges, preventive checkups, and teleconsultation is rewarded by wellness.
• Insurance of domiciliary hospitalisation and day care procedures.
• In some plans variants, OPD cover and maternity benefits are also covered.
• ICICI Lombard app-based digital control of policies: The e-cards and digital tracking on claim status and telemedicine consultations.

Did you know?
In India, some of the most demanded add-ons to new age health insurance purchasers in 2025 are digital wellness and the prevention health aspects.

All About ICICI Lombard Max Protect Plan

This policy is on annual premium basis and both the sum covered plus the number of lives covered affects the amount of payment exactly. When you fall sick or are hospitalised you have the option of cashless treatment in one in a network of a hospital or claim reimbursement on any government recognised hospital.

By purchasing policy, you would have access to digital services, and health checkup vouchers and also 24-hour claims support. The auto reinstatement reinsures you so that there is no limit to your cover, so you are actually covered in the event of a risk.

What ICICI Lombard Max Protect Insurance Covers?

Among those conditions and expenses covered:

• Hospitalisation at least 24 hours Inpatient of 24 hours status
• Medical emergencies, accidents and injuries
• Day care procedures (over 170 listed surgeries)
• Organ transplantation costs
• COVID-19 hospitalisation and expenses
• OPD treatment, consultation, and diagnostics (in select variants)
• Maternity and new born expenses (optional)
• Medical checkups and health consultation
• Telemedicine and mental health include
• Domiciliary hospitalisation
• Ambulance cost, AYUSH treatments, and home care provision are also included in the policy.

People Also Ask

Q. What makes ICICI Lombard Max Protect stand out more than other plans?
It provides options such as unlimited reinstatement by sum insured, digital claims and wellness rewards that many competitors do not offer or are severely restricted.

Did you know?
According to trends in consumer reports, published by IRDAI in 2024, it seems that the satisfaction rates, given by the customers in regard to health policies linked with wellness are higher than the ones of ordinary plans.

What Does the ICICI Lombard Max Protect Insurance Exclude?

There are some exclusions and waiting periods in every insurance policy. The major exclusions to this plan include:

• Aesthetic surgery or plastic surgeries unless on accidental basis
• Alcohol or drug abuse related conditions Treatment
• Diseases caught in the first 30 days of commencement of policy
• Pre-existing ailments waiting period of up to 36 months (varies by proposal)
• Self inflicted injuries and war incidences
• Unless otherwise covered in plan variation, the costs of infertility and maternity.
• Non-accidental dental care

Before purchasing a single plan both the policy wordings are to be read and one should know about the waiting period as well as permanent exclusions that he or she might not want to be disappointed in the future.

Advantages/Disadvantages of the ICICI Lombard Max Protect Plan?

To give you a short overview to compare you options:

Pros

• Tall sum insured ranging up to 1 crore
• Complete coverage such as mental health coverage and OPD, wellness and home care
• Automatic sum insured reinstatement is unlimited and with peace of mind
• There is no limit to room rent that improves flexibility
• Quick and clear-cut digital claim procedure
• Specialized wellness services and prevention services
• High-level hospital network

Cons

• The variants, which provide OPD and maternity benefits also involve a small hike in premium
• There are some benefits such as OPD, maternity and global coverage and these benefits do come at an extra cost
• Waiting period on pre-existing condition is as much as 3 years

Expert Insight:
When purchasing a health plan, the financial planners recommend that you should look over the reinstatement option, and the design of the wellness program in order to make the most out of your investments.

What are the Comparisons of ICICI Lombard Max Protect with other popular insurance schemes?

People Also Ask

Q. ICICI Lombard Max Protect Plan Is it appropriate to elderly citizens?
Yes it can buy up to 65 and renew forever but before purchasing compare premium and co-pay conditions by senior.

Did you know?
The reinstatement is indefinite and thus your health cover cannot expire after numerous claims have been made in a year.

What Is the Difference between the ICICI Lombard Max Protect and the Income Tax?

The premium is about 9500-11000 each year on average on the single individual who takes 10 lakh cover when he is 35 years of age. In the case of family floater plans of 2 adults with 2 children, the premium is about 24000 at 10 lakh and goes higher with OPD or Maternity cover in these plans.

These premiums may differ depending on:

• Age and health of the proposer
• Location (metro cities often higher)
• How many family members are contained?
• Deductibles that are chosen voluntarily
• Top up possibilities

ICICI Lombard also provides a discount on long term policies and on the member having a healthy lifestyle as per the wellness reward program.

What is the Claims Process of ICICI Lombard Max Protect?

ICICI Lombard Max Protect Plan has a hassle free and transparent claims process. That is how it typically looks like:

• In case of scheduled hospitalisation, ensure you inform the insurer prior to a period of 48 hours.
• In the case of emergencies, notify within 24 hours after admission
• visit the network hospital to do cashless claims with the e-card or physical card
• Bills and other documents required are retrieved directly inside the hospital
• To get refunds, post bills on Our app or web interface within 15 days after being discharged
• Valid claims attract settlement within 7 working days by the insurer, which relieves them in times of need.

People Also Ask

Q. What are popular grounds of the claim denial under this health insurance?
The most common are excluded illness, incomplete documentation, or the claims when on waited general period.

Expert Insight:
You should also have a digital copy of bills, prescription, diagnostic, and discharge summary of a hospital so you can be able to quicken the processing of your claims.

What are the add on covers under Max Protect Plan?

Customers with policy can tailor their coverages through the following add ons:

• Hospital Daily Cash to cover additional non medical costs
• Lump sum payment of critical illnesses
• Personal Accident Cover
• New Born Baby and Maternity Cover
• Global healthcare for treatment outside India (premium variant)
• Pharmacy and OPD reimbursement

Such add ons allow the plan to be malleable and accommodate different needs and budgets.

There are three ways in which one can sue and renew the ICICI Lombard Max Protect Insurance Plan.

We can purchase the plan online and it is fast and devoid of paperwork. They are available on the web site of ICICI Lombard or authorised aggregators:

1. Enter Member details, age and sum insured
2. Choose add ons when necessitated
3. Sign-off KYC and e-sign on proposal
4. Pay in safe online channels

Renewal reminders are given way ahead of the expiry date and renewals can be conducted over the app, at the website or at ICICI Lombard offices. The Max Protect Plan is subject to continuity benefits where you are able to carry forward your existing health plan provided by other insurers.

People Also Ask

Q. Which documentations do I need to enroll in the Max Protect Plan?
Most of the time, a Pan card, Aadhaar card, recent photograph, and a health declaration are needed. In the majority of the cases, no medical check is scheduled in the case of a young, healthy applicant under the age of 45.

The ICICI Lombard Max Protect Insurance is an insurance that should be considered by whom?

The Max Protect Plan is most suitable to:

• Families that require a substantial amount of insured amount and prevention benefits
• Professionals that are interested in digital convenience and fast-climbing are those who want to work.
• Wellness programs with health conscious people
• Older adults who require to have peace of mind using unlimited reinstatement
• New parents or couples in maternity cover

Optional riders can be taken to increase protection in cases of special OPD needs or people seeking international cover.

Did you know?
As of 2025, more than 45 percent of all new family health policies available in India urban centers take the possibility of wellness rewards as their autonomic parameter.

ICICI Lombard Max Protect Insurance Plan: Understanding In Short

• Covered health insurance with built-in limit insurances up to 10 million INR
• Unlimited reinstate policies, unlimited capping of the room rents, and preventive wellness assistance
• Premiums begin at about 9500 Rs. on an individual basis and depend on family size, age, and add ons
• Robust digital platform for cashless claims and health tracking
• Customer friendly solution with lifetime renew and broad network
• Optional covers in OPD, maternity, global care and daily cash

People also ask: FAQs

Q. How many claims may be settled in a year?
There is no limit to it. The unlimited reinstatement benefit guarantees that your cover will be reinstored each time you run out of the cover within the same policy year.

Q. Will my parents or in-laws be covered by Max Protect?
Of course, you can incorporate dependent parents and in-laws by selecting a multi individual or family floater plan during the process of application.

Q. To purchase this health insurance, do I require a pre policy medical test?
A pre policy check up may be unnecessary on the basis that you are not 45 or above and have not declared any illnesses. Nevertheless, an older candidate or the one with a history of diseases will be requested to pass a basic examination.

Q. What is the ratio of claim settlement of ICICI Lombard Health Insurance?
The announced claim settlement ratio as on the financial year ended March 2024 paragraph is 100 percent in respect of retail health claims.

Q. Does the Max Protect plan cover day care and modern treatments?
Yes, services such as cataract operation, chemotherapy, and organ donor costs are all under the barest level of policy cover.

Q. Is it possible to port to ICICI Lombard Max Protect to another insurance company?
Yes, portability will be provided at renewal period as per IRDAI norms which provide continuity of waiting periods.

Sources:

ICICI Lombard Offsite Website
LiveMint trends in health insurance 2025