ICICI Lombard Max Protect Classic is designed for those looking for high coverage at an affordable price, with sum insured starting from Rs. 1 crore to unlimited for self or family. This plan comes with very interesting features like advanced treatments, bariatric surgery, reset benefit and much more which makes it a very good option.
Max Protect Classic - Key Highlights
High Sum Insured
Sum Insured options start from 1 crore to Maximum Unlimited.
Modern Treatments
Covers modern treatments like Deep Brain stimulation, Robotic surgeries..etc.
Bariatric Surgery
Covers Bariatric Surgery after completing the waiting period
100% CSR
100% claim settlement ratio in last 3 months
10,470 + Hspitals
More then 10,000+ hospitals pan India
Guaranteed Cumulative Bonus
20% of SI maximum upto 100%
Features & Benefits
All rooms except suite
Note: Room rent limits can impact all expenses related to hospitalization. For better coverage, ensure that your health plan does not have any room rent limits.
Note: This allows the coverage amount to be automatically refilled when your coverage exhaust due to multiple claims
Note: This is an additional coverage amount that the insurance company gives you as a loyalty benefit on policy renewal, without reducing the actual coverage amount.
10,470+ cashless hospitals in India
Note: A large hospital network will allow you to get hassle-free treatment across India without any co-payments and reimbursements, make sure the nearest hospital is included in the network hospital list of your insurer company.
0% Co-Pay (100% paid by insurer)
Note: Always ensure that your health plan does not have any co-pay so that you do not have to spend a single penny from your pocket.
Note: It covers all medical expenses like doctor visits, tests, diagnosis, etc. before hospitalization.
Note: This covers all medical expenses, such as doctors’ medication, follow-up and recovery treatment after discharge
Note: All treatments that take less than 24 hours and do not require you to be hospitalised fall under day care treatment.
Note: Hospitalization at home is possible when beds are not available in the hospital or on medical advice.
Raad ambulance up to Rs. 10,000 per hospitalisation
Note: only covered Road ambulance
Value Added Services
Unlimited tele-consultations
Note: This is a free online doctor consultation where you can get professional health advice.
Additional Features
Note: This feature is good if the treatment requires the Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy (AYUSH) treatment, make sure your policy covers AYUSH treatments.
Note: This is the important feature in future, it may need.
Up to SI
Note: Bariatric surgery is covered after a full waiting period of 3 years.
Maternity Benefit(s)
Note: Covers expenses related to child delivery and pre and post delivery care. Couples who are planning or expecting a baby can add this feature to their health policy.
Available Add-ons
Note: The insured person will be eligible to change the room category as specified in the Policy Schedule/Product Benefits Table
Exclusions
Note: To know more about the exclusions details, please refer to the policy wording.
About ICICI Lombard
ICICI Lombard is one of the leading general insurance companies in India. It is a joint venture between ICICI Bank and Fairfax Financial Holdings. ICICI Bank is a reputable in India to provide bank services, and Fairfax Financial Holdings is a Canada-based company with diversified financial services. ICICI Lombard is a well-known insurance company that provides comprehensive and customizable insurance solutions with a smooth claim process.
ICICI Lombard health insurance plans are very customizable and come with a large hospital network, which easily provides healthcare services. The company receive many awards and recognitions for Innovation, customer satisfaction and to provide quality services. Company continuously innovate our products and services according to the market needs. That’s why ICICI Lombard is the trustworthy and preferable insurance brand for Individual persons and businesses.
FAQs
Restoration benefit automatically replenish the sum insured if the coverage is exhausted due to a medical claim during the policy term.
The waiting period for pre-existing illnesses depends on the type of plan. The waiting period for pre-existing illnesses is 3 years. The insured can apply for a claim after the completion of the waiting period or can reduce the waiting period by adding the Jump Start add-on.
Yes, the plan offers cashless hospitalization facility if you are admitted to the insurer network hospital.
No, there is no cap on room rent in this plan and there are no other specific sub-limits.
Yes, treatments requiring hospitalization for less than 24 hours such as cataract surgery, dialysis, and chemotherapy are covered.
Yes, the insured can cover maternity and newborn baby expenses by adding Maternity Cover add-on and completing the maternity waiting period of 24 months
Yes, The child should be 91-180 days old at the time of adding the child to the policy after the policy issuance. Spouse will be added after 91 days of policy issuance, provided the date of marriage is after the date of policy issuance
No, there is no limit on room rent or any sub-limit on specific treatments or expenses.
Yes, the plan provides alternative treatments under AYUSH including Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy.
Policy renewal can be done online. Policyholders can contact us at 011 6932-0444, by email at support@liablecover.com, or by contacting their Relationship Manager.
