MaxProtect Health Insurance

Both Classic and Premium start at a ₹1 crore annual sum insured, and unlimited cover is available as an option. The annual sum insured is the most the policy pays in one policy year, and you can choose a 1, 2 or 3-year term.

Classic covers hospital treatment in India. Premium adds worldwide cover up to ₹3 crore, air ambulance, home care treatment up to ₹1 lakh, Claim Protector, a health check-up up to ₹10,000 a year and a second opinion for critical illness. Both carry the same reset benefit and Loyalty Bonus.

If earlier claims in a policy year leave the annual sum insured, with any bonus, too low, ICICI Lombard resets up to 100% of the annual sum insured for later claims, as many times as needed in that year.

At the end of each policy year ICICI Lombard credits 20% of the expiring or renewed annual sum insured, whichever is lower, if the expiring policy was claim-free and renewed without a break. The total cannot go above 100% of the annual sum insured.

Inpatient treatment covers room rent, ICU charges, nursing, doctor fees, anaesthesia, blood, oxygen, operation theatre charges, medicines, consumables, surgical appliances and prosthetic devices recommended in writing and used during surgery, and investigations linked to the admission, up to the annual sum insured.

Day care procedures that need less than 24 hours in hospital are covered up to the sum insured, including dialysis, chemotherapy and radiotherapy. Twelve listed modern treatments are covered up to the sum insured or ₹1 crore, whichever is less: robotic surgery, oral chemotherapy, monoclonal antibody immunotherapy, stereotactic radiosurgery, deep brain stimulation, intravitreal injections, balloon sinuplasty, bronchial thermoplasty, HIFU and uterine artery embolisation, laser prostate vaporisation, stem cell therapy for bone marrow transplant, and intra-operative neuro monitoring.

Relevant medical costs are covered for 60 days before admission and 180 days after discharge, once the inpatient claim is accepted. Post-hospitalisation includes physiotherapy advised in writing.

Inpatient treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy is covered up to the sum insured when it is taken at an AYUSH hospital or AYUSH day care centre.

Treatment taken at home on a doctor's advice is covered up to the sum insured if it continues for at least 3 consecutive days and you cannot be moved to a hospital, or no hospital room is available.

The donor's hospitalisation costs for harvesting an organ donated to you are covered up to the sum insured, when your own inpatient claim is accepted.

Road ambulance to the nearest suitable hospital is covered up to ₹10,000 per event on reimbursement, and at actuals when a provider is used on a cashless basis. Premium adds air ambulance up to the sum insured.

Unlimited teleconsultations with qualified doctors, 24 hours a day by audio, video, chat or the app, at no extra charge. A Health Assistance Team helps with finding doctors and hospitals, cashless requests and post-hospital care. Ambulance assistance and partner discounts come with it.

Weight-loss surgery is covered up to the annual sum insured for adults aged 18 or above with a BMI of 40 or more together with coronary heart disease, medically refractory hypertension or type 2 diabetes.

Premium covers inpatient and day care hospital expenses outside India, including planned treatment, up to the annual sum insured and a maximum of ₹3 crore.

Once an inpatient or day care claim is accepted, items on IRDAI's non-payable list that relate to that claim become payable, up to the annual sum insured.

Treatment taken at home on a doctor's written advice is covered up to ₹1 lakh. It includes tests done at home, prescribed medicines, doctor consultations and nursing if advised.

A cashless health check-up is covered up to ₹10,000 in a policy year.

If you are diagnosed with one of 33 listed critical illnesses, ICICI Lombard arranges a cashless e-opinion from its empanelled doctors, once for the same illness. The list includes heart attack, stroke with permanent symptoms, kidney failure needing dialysis, cancer of specified severity and third degree burns.

Choose a 1, 2 or 3-year term. ICICI Lombard lists 10% and 15% discounts on the premium for 2-year and 3-year policies, 10% for buying online and 10% for employees.