MaxProtect in one table
| Insurer | ICICI LOMBARD General Insurance Company Limited |
|---|---|
| Sum insured | ₹50 lakh upwards, with no stated maximum. |
| Entry age | 6 to 65 years. Children from 3 months to 5 years are covered on a floater policy only; dependent children to 20. Renewal is lifelong. |
Claim settlement and complaint figures are IRDAI-published and held centrally by NYVO, not taken from the insurer's marketing.
What MaxProtect covers
These are the terms that decide what you are actually paid when you claim. Room rent, co-pay and restoration do more to shape a settlement than the sum insured does, and they are read from ICICI Lombard's own policy wording.
| Feature | This plan | What good looks like |
|---|---|---|
| What kind of plan this is | Indemnity health insurance. It reimburses hospital bills up to the sum insured. | Read this first |
| Sum insured | Minimum ₹50 lakh, with no stated maximum | Built for metro treatment costs |
| Entry age | 6 to 65 years. Children between 3 months and 5 years can be covered on a floater only, and dependent children to 20. | Renewal is lifelong |
| Pre-existing wait, reducible | 36 months as standard. It can be cut to 24 months for additional premium. | Worth costing if you have a condition |
| Zone co-payment | A zone-based co-payment applies on every claim where treatment is taken in a higher zone than the one bought. There is no zone co-payment for Zone A or Zone D. | Buy the zone you live in |
MaxProtect waiting periods: when each part of the cover starts
Waiting periods run from the day cover began, not from the day you fall ill, and they run in parallel rather than one after another.
| Pre-existing disease | 36 months of continuous cover, reducible to 24 months for additional premium |
|---|---|
| Specified diseases and procedures | 24 months of continuous cover |
MaxProtect exclusions: what the plan will not pay for
Every policy carries exclusions, and they are the clauses people read for the first time at claim stage. These are the ones worth knowing before you buy.
Where MaxProtect falls short
No plan is right for everyone, and a page that only lists strengths is not much use to you. These are the gaps we would raise on a call before recommending it.
MaxProtect questions, answered
How much cover does MaxProtect offer?
It starts at ₹50 lakh and the prospectus states no maximum. That makes it a high sum insured plan rather than a general family policy, and it should be compared with other ₹50 lakh and ₹1 crore plans, not with a ₹10 lakh one.
What is the waiting period for pre-existing conditions?
36 months of continuous cover as standard. You can reduce it to 24 months by paying additional premium, which is worth costing if you already have a condition you expect to claim on.
Is there a co-payment?
Not a base co-payment on every claim, but a zone-based co-payment applies where treatment is taken in a higher zone than the one you bought. There is none for Zone A or Zone D.
Until what age can I buy it?
65. Renewal after that is lifelong, so the constraint is getting in rather than staying in.
Read it from the insurer
We summarise. The policy wording is the contract, and it is the only document that settles a dispute. These links go to the insurer's own pages.
Understand the terms before you commit
A plan page tells you what this policy does. These explain why each term matters and what it costs you when it is missing.
Other ICICI Lombard plans we have read
ICICI Lombard files these separately, and the terms differ between them. If you are choosing within the range, compare the waiting periods and the exclusions rather than the sum insured.