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What is ICICI Lombard's MaxProtect health insurance policy with 1 crore^U sum insured?

Are you tired of worrying about financial constraints regarding your & your family's health? Imagine a future where you can access the best healthcare services without worries.

With MaxProtect health insurance, you can prioritise health and well-being without financial burden. Our 1 crore medical insurance policy with extensive coverage ensures you and your family are protected from emergency & planned medical expenses with no concerns about reaching an undersized coverage limit.

MaxProtect health policy, in addition to covering the usual benefits such as in-patient hospitalisation & daycare treatments, also includes worldwide coverage for medical treatments outside the country. With this policy, you can stay confident of never running out of coverage with an unlimited sum insured reset benefit^s, unlimited teleconsultation services for informed healthcare decisions and guaranteed private hospital rooms for you or your family in case of hospitalisation.

Why is 1 crore health insurance plan needed?

Medical inflation

Healthcare costs are soaring, and a 1 crore insurance cover provides a substantial financial cushion to confidently manage the high expenses associated with quality medical treatment.

Lifestyle diseases

With lifestyle diseases becoming increasingly common, such as diabetes, heart disease, and obesity, a 1 crore insurance cover ensures comprehensive coverage for these conditions. You can face these health challenges head-on, knowing that your insurance will provide the necessary financial support for treatments and long-term management post a waiting period.

Sufficient coverage

By choosing a high SI, you can rest assured that, regardless of the cost of treatment, your health insurance coverage will be more than sufficient. Whether it's major surgery, critical illness, or emergency medical care, the range ensures that you have adequate funds to meet the cost of treatment.

Benefits of buying a health policy with 1 crore sum insured

Extensive coverage

Get complete protection against various medical expenses with a health plan offering a 1 crore sum insured.

No coverage limit worries

Don't worry about running out of coverage. With a 1 crore sum insured, you have sufficient coverage for your & your family's medical needs.

Access to top healthcare

Access the best healthcare services without financial concerns. Choose renowned hospitals and doctors without compromising on quality.

Coverage for various medical expenses

MaxProtect includes coverage for in-patient and daycare treatments, pre and post-hospitalisation expenses, domiciliary care, technological advancements and treatments, donor expenses, and even road and air ambulance services.

Worldwide^T Coverage Option

Some plans offer coverage for medical treatments outside the country, which is beneficial if you travel frequently or require specialised treatments abroad.

Reset Benefits^S

MaxProtect also provides unlimited sum insured reset benefits^s for any illness or injury, ensuring ongoing support for your medical needs.

Loyalty Bonus:

If you rarely claim your insurance, you can receive 20% increased coverage each claim-free year until your total SI increases by 100%. So that you can ensure you have sufficiently adequate coverage whenever needed.

Features of ICICI Lombard's MaxProtect 1 crore health insurance

High Coverage

With a 1 crore coverage, you have substantial insurance coverage to address a wide range of medical expenses.

In-patient and Daycare Coverage

The plan covers hospitalisation and daycare treatment expenses, ensuring you receive necessary medical care without financial worries.

Pre and Post-Hospitalisation Coverage

It includes coverage for medical expenses incurred before and after hospitalisation, such as diagnostic tests, medications, and follow-up consultations.

Technological advancements and Treatments Coverage

In today’s world, technological advancements and treatments are revolutionizing healthcare. From AI-driven diagnostics to advanced medical procedures, these innovations are making it possible to detect, treat, and manage diseases more effectively than ever before. Embrace the future of healthcare with state-of-the-art solutions that prioritize precision, efficiency, and better patient outcomes.

Worldwide Coverage Option

The premium plan covers medical treatment & day care hospitalisations worldwide^T after the waiting period.

Loyalty Bonus

Provides a 20% increase of the expiring or renewed Annual Sum Insured (whichever is lower) at the end of each policy year, as long as the policy is continuously renewed.

Value-added services

Fastrack your knowledge & access to reliable doctors and hospitals. Get assistance in booking an emergency ambulance & avail of discounts on your medical expenses.

Multi-year policy discounts

Get 10% & 15% discounts on your premium for 2 & 3-year policies, respectively.

Coverage of ICICI Lombard's MaxProtect 1 crore health insurance policy

Inclusions
Exclusions

Room rent

All rooms except suite available up to Sum Insured
In-patient treatment

Coverage for hospitalisation up to the sum insured
Daycare procedures & treatments

Coverage for daycare treatments requiring less than 24 hours of hospitalisation (including dialysis, radiotherapy and chemotherapy).
Coverage for technological advancements and treatments

Stay ahead with cutting-edge technological advancements and treatments designed to improve health outcomes and patient care
Pre-hospitalisation

Coverage for expenses incurred 60 days before hospitalisation
Post-hospitalisation

Coverage for expenses incurred 180 days after hospitalisation
Domiciliary hospitalisation

Coverage for treatment taken at home up to the sum insured
Donor expenses

Coverage for expenses related to organ transplantation up to the sum insured

In-patient AYUSH

Coverage for AYUSH treatments taken during hospitalisation up to the sum insured

Domestic road ambulance:

Coverage of up to Rs.10,000 for road ambulance services

Air ambulance cover

Coverage for air ambulance services up to the sum insured (applicable only for specific plans)

Homecare treatment

Coverage for homecare services up to 1 Lakh

Bariatric surgery

Coverage up to the sum insured for weight loss surgery, if recommended

Worldwide cover^T

Up to 3 crores coverage for medical treatments outside the country

Reset benefit^S

Unlimited times sum insured reset for the same illness if exhausted in a policy year

Loyalty Bonus

This provides a 20% increase of the expiring or renewed Annual Sum Insured (whichever is lower) at the end of each policy year, as long as the policy is continuously renewed.

Claim protector

Coverage of expenses towards non-payables, as per IRDAI's excluded list of items up to sum insured

Health check-up

Covers up to Rs. 10,000 cost of health check-ups once a year

Teleconsultation

Unlimited teleconsultation services, available 24x7

Medical Second Opinion For Critical Illness

Covers cost of a second opinion worldwide^T if diagnosed with a critical illness

Value-added services

Access to Health Assistance (HAT), emergency ambulance booking & discounts on medical expenses

Pre-existing diseases and their direct complications are excluded until 36 months of continuous coverage. Opt for the pre-existing disease waiver add-on to reduce it to 24 months.
Some diseases/procedures such as cataract treatment, hernia, varicose veins & more are excluded for 24 months, except for accident claims.

For a complete list of exclusions, please refer to the policy wordings.

All types of external congenital anomalies/illnesses/defects such as gender change treatments, expenses related to birth control, infertility, cosmetic or plastic surgery expenses unless medically necessary & more are not covered by this policy.

Policy documents: Downloads

ICICI Lombard MaxProtect health insurance coverage is a good fit if

ICICI Lombard's MaxProtect health insurance coverage is a good fit if

You're a health-conscious individual who values well-being and financial security during medical emergencies.

You or your family members have pre-existing conditions, as MaxProtect offers extensive coverage after the waiting period.

You're seeking coverage & access to a list of modern treatments and advanced medical procedures.

You are a frequent international traveller or have family members who live abroad and can benefit from global coverage.

You're looking for a no-tension extensive health benefits policy that includes daycare treatments, pre and post-hospitalisation expenses, in-patient AYUSH treatments, and more for you and your family.

ICICI Lombard's MaxProtect optional add-ons

MaxProtect offers optional add-ons to enhance your health insurance coverage. Here are the add-ons available:

Pre-existing disease waiting period reduction

This add-on reduces the waiting period for pre-existing diseases and their complications from 36 to 24 months. If you increase your sum insured, the exclusion will apply to the additional coverage.

Steps to claim one crore health insurance

Claim guarantee for reimbursement & cashless claims

For cashless hospitalisation, get a response from us within 2 hours of raising the pre-authorisation request at our network hospitals.

Steps to claim one crore health insurance

Planned Cashless Everywhere hospitalisation

Follow the below steps to avail of Cashless Everywhere hospitalisation in hospital outside out network:

Inform us before hospitalisation: For a planned hospitalisation, inform us at least 24 hrs. prior. Use the IL Take Care app to tell us you plan to get hospitalised.

Choose Cashless Everywhere: Inside the IL Take Care app, select the Services we offer tab and choose the Health Assistance option for Cashless Everywhere.

Easy discharge: Once your treatment is done, you can leave the hospital without paying any money at the time of discharge, based on the terms and conditions of your insurance policy.

Planned hospitalisation in network hospital

Check if the hospital is on the empanelled list of network hospitals.

Submit the pre-authorisation form and relevant documents to your insurance provider a few days before the hospitalisation.

Get treated

Our claims officer reviews the documents submitted by the hospital while you are being treated. These include discharge summaries, hospital bills, pharmacy bills, investigation reports, payment receipts and doctor's consultation papers. They may request a few more relevant documents if required.

Easy discharge

The claim, if approved, is settled by us directly. All you need to do is sign the relevant papers before getting discharged.

Note:

If your claim is not approved - you may still complete your treatment. You must clear the hospital dues and may apply for a reimbursement claim. Also, remember to obtain your original documents from the hospital.

If a query is raised - by the insurance company, you may need to follow up with them and submit relevant/additional documents required for processing the claim.

Emergency cashless hospitalisation

Follow the below steps to avail of Cashless Everywhere hospitalisation in hospital outside out network:

Emergency: In an emergency, head directly to the nearest network hospital for treatment.

Cashless hospitalisation: Once you're at the hospital - Show your e-health card and government recognised ID proof at the hospital TPA (Third Party Assistance) desk and leave the rest to us.

The TPA will submit a pre-approval request for cashless hospitalisation to us for further processing, which has a turnaround time of 60 minutes from receipt of complete documents, on best effort basis. Please note you may have to pay for non-medical expenses not covered in your policy.

Company review: We will review the hospital bills after providing provisional cashless authorisation while you get treatment. The claim, if approved, is settled by us directly. All you need to do is sign the relevant papers before getting discharged.

Process for reimbursement claims

For reimbursement claims under MaxProtect health insurance of 1 crore, follow these steps:

Notify us: Inform us about the claim through our toll-free 24x7 helpline 1800 2666 or website, providing policy details and the nature of the claim.

Submit documents: Prepare and submit the necessary documents, including claim forms, medical records, bills, discharge summaries, and prescriptions.

File the claim: Submit the form and documents to the online claim portal.

Claim verification: We will review the documents and may seek additional information if needed.

Claim settlement: Once verified, we will process the claim as per policy terms.

Reimbursement or cashless settlement: Depending on your reimbursement preference, you'll receive a refund, or we will directly settle the bill with the hospital through the cashless facility.

Steps to claim one crore health insurance

Notify ICICI Lombard

Inform us about the claim through our helpline or website, providing policy details and the nature of the claim.

Submit documents

Prepare and submit the necessary documents, including claim forms, medical records, bills, discharge summaries, and prescriptions.

File the claim

Submit the form and documents to the online claim portal.

Claim verification

We will review the documents and may seek additional information if needed.

Claim settlement

Once verified, we will process the claim as per policy terms.

Reimbursement or cashless settlement

Depending on your reimbursement preference, you'll receive a refund, or we will directly settle the bill with the hospital through the cashless facility.

Steps to apply for a 1 crore health insurance plan online

Visit the MaxProtect health insurance web page section of the ICICI Lombard website.
Enter basic information such as contact details, proposer's information, pre-existing illness details & other details.
Customise your policy by choosing the desired sum insured, policy terms, and other details.
Make an online payment using our secure payment gateway.
You can also contact us on our toll-free number for assistance while purchasing the policy.

Who is eligible to buy the 1 cr. health insurance policy?

Eligibility to purchase the Classic & Premium plan of the MaxProtect policy is based on the following criteria:

Age

Children can be covered from as young as 91 days (for floaters) or 6 years (for individuals) up to a maximum age of 20. Adults are eligible for coverage starting at 21 and up to 65 years old.

Sum Insured (SI) options

The Classic plan offers a range of SI options, including 1 crore and unlimited coverage. You can select the SI option that suits your coverage needs.

Policy tenure options

You can choose the duration of your policy from options of 1, 2, or 3 years and get additional discounts for multi-year policies.

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ICICI Lombard's MaxProtect Classic vs Premium plan comparison

Key benefits	Classic	Premium
Room rent Coverage for hospital room charges during your stay	All rooms except suite	All rooms except suite
In-patient hospitalisation Expenses covered for hospital stays exceeding 24 hours
Daycare treatments Coverage for medical procedures that don't require overnight hospitalisation
Coverage for Technological advancements and Treatments Coverage for a list of advanced and cutting-edge medical treatments
Pre hospitalisation Medical expenses covered before hospital admission	60 days	60 days
Post hospitalisation Coverage for medical expenses after hospital discharge	180 days	180 days
Domiciliary hospitalisation Coverage for medical treatment received at home
Donor expenses Coverage for medical expenses related to organ transplantation procedures
In-patient AYUSH Coverage for AYUSH treatments during hospitalisation
Domestic road ambulance Coverage for ambulance services within the country
Reset benefit Renewal of coverage amount after exhausting the sum insured in a given policy year
Loyalty Bonus Bonus for claim-free policy years	20% every claim free year up to 100%	20% every claim free year up to 100%
Teleconsultation Access to medical consultations via phone or video calls
Value-added service Coverage for health assistance & emergency services
Bariatric surgery Coverage for weight loss surgeries
Claim protector Covers expenses towards non-payables, excluded from coverage as per IRDAI
Homecare treatment Cashless coverage for medical treatments provided at home		1 lakh cashless only
Air ambulance cover Coverage for air ambulance services during medical emergencies
Worldwide cover Insurance coverage extends globally for medical treatments
Health check-up Coverage for preventive health check-ups
Medical Second Opinion For Critical Illness Coverage for seeking a second medical opinion globally for a critical illness

Frequently asked questions on Maxprotect policy for family

General
Cover
Premiums
Claims
Policy

What is ICICI Lombard MaxProtect?

ICICI Lombard MaxProtect is a high-sum insured (1 crore and more) comprehensive health insurance policy that covers various medical expenses and offers additional features and benefits when you fall sick or get injured.

Why should I get the MaxProtect 1 crore health insurance policy?

Health insurance provides financial protection and ensures you can afford medical treatment when needed. By opting for a sum insured amount of 1 crore, you can rest assured that all your emergency medical expenses will be covered. This will enable you to focus on your recovery and get access to the best medical facilities for your or your family's treatment.

What are the benefits of ICICI Lombard MaxProtect?

MaxProtect offers extensive hospitalisation, treatments, additional services, and more coverage, with a high insurance sum of up to 1 crore that enables you to access the best doctors and hospitals for your treatment in your time of need.

What is the age limit for buying this policy?

The minimum age limit for taking this policy is 21 years, and the maximum is 65 years.

Can I buy the MaxProtect policy for my whole family?

Yes, you can purchase MaxProtect for your entire family, including your spouse, children, and parents, providing them with substantial insurance coverage.

How do I contact ICICI Lombard for more information?

Read through the ICICI Lombard MaxProtect web page for more information on covers & exclusions or contact customer service for more details about the MaxProtect policy and its benefits.

What does the MaxProtect policy cover?

The MaxProtect policy covers hospitalisation expenses, treatments, pre and post-hospitalisation expenses, modern treatments, emergency medical services, international coverage (Premium plan only), and more. Please refer to the policy document for detailed coverage information.

Can I avail treatment outside India under this policy?

Yes, the MaxProtect premium plan covers medical expenses outside India post a waiting period.

Will the health insurance cover hospitalisation expenses for COVID-19?

Yes. Covid-19 related hospitalisation is covered in the policy.

Does the MaxProtect policy cover surgeries?

Yes, MaxProtect covers the costs of surgeries, including the expenses incurred pre & post your surgery, up to the generous coverage limit of 1 crore.

Will my doctor's fees be covered under this policy?

Yes, the policy covers doctor's fees incurred during hospitalisation and medical expenses before and after hospitalisation for follow-up checkups.

Are all the major corporate hospitals on the network?

With ICICI Lombard's Anywhere Cashless service, you can get hospitalised in any hospital near you by informing us 24 hours beforehand. You can claim reimbursement if you need emergency hospitalisation and cannot tell us ahead.

What treatments are covered under additional treatment coverage?

Additional coverage includes day care treatments, modern treatments, AYUSH treatments, and bariatric surgery.

Does the policy cover emergency medical services like ambulance expenses?

Yes, MaxProtect covers expenses for road ambulance and air ambulance services in critical emergencies.

What are the different modes of payment on icicilombard.com?

You can choose between any of these payment options to pay your premium online:

Credit Card – Make secure premium payment with your VISA, Master, AMEX, RuPay or Diners Club card.
Net banking - Transfer the premium amount online through ICICI Bank or any of the other 50+ banks.
Debit Card – Just enter your bank's debit card details to pay your insurance premium directly.
UPI and e-wallets - Pay through UPI apps such as Google Pay, BHIM UPI & PhonePe, or an online wallet.
EMI - Use the credit/debit card EMI facility to pay your premium in instalments

How are the premiums calculated for the MaxProtect policy?

The premiums for the MaxProtect policy are based on factors such as age, sum insured, policy duration, and any optional add-ons chosen.

Will my premium be the same when I renew my policy?

Your premium depends on your age and the benefit amount/coverage period you have opted for in your policy. If you move to a higher age band at the time of renewal, the premium will change as per the new age band. If you upgrade your product to a higher sum insured at the time of renewal, add covers or make changes to the coverage period, your premium will change.

What is the grace period for making a premium payment?

A grace period for payment of premium of 30 days applies for premium payments. If the premium is not paid within the grace period, the policy shall lapse and cover shall cease.

Are there any discounts available on the premiums?

Yes, ICICI Lombard offers a 10% discount on premiums if purchased online via the website, 10% & 15% discounts for 2 & 3-year multi-year policy purchases & 10% employee discounts.

What factors can affect the premium amount?

Age, sum insured, add-ons, and pre-existing conditions can affect the premium amount.

How can I calculate the premium for this product?

Please refer the rate chart for checking premium for this policy

How can I raise my health insurance claim post-hospitalisation?

In case of planned hospitalisation, you can pick any hospital of your choice to avail of the Anywhere Cashless hospitalisation feature, by informing us 24 hours before. You can claim reimbursement for hospitalisation expenses in an emergency where you must pick a non-network hospital for immediate care. To raise a reimbursement claim, contact us by using any of the following ways:

Claim via IL Take Care app. Download here
Call us on our toll-free number 1800 2666
Raise a claim through our website here
Email us at ihealthcare@icicilombard.com

Who do I call at the time of emergency hospitalisation?

You can contact us on our toll-free number, 1800 2666 or SMS "HEALTHCLAIM" to 575758 for a callback. Use the health card at any network hospital to avail of our cashless service. Contact us within 24 hours of hospitalisation for cashless emergency hospitalisation.

What do I do if my claim is rejected?

A claim can be rejected for several reasons, such as an incomplete waiting period, incorrect information provided, delay in making a claim & others. If your claim is denied, you can ask the reason for such rejection. If you're not convinced, you can contest the decision.

How can I file a claim for MaxProtect health insurance policy?

We have a 3-step claims process:

Step 1: Claim Reporting - You can report your claims online, at our branches, central office, via SMS, email or through our call centre as per your convenience. Once you have uploaded all the documents required to process your claim, we take 14 days to respond with an acceptance, rejection or queries.
Step 2: Claim Processing - Our dedicated ClaimCare team will assess your claim and inform you if any more documents need to be submitted. Post receiving all the necessary documents, we will process your claim request.
Step 3: Claim Settlement - Once your claim is intimated and we receive all the relevant documents, we will settle your claim.

How long does it take to settle a claim?

ICICI Lombard aims to settle reimbursement claims within 14 days of submitting all claim documents. For cashless claims, we respond within 2 hours for pre-authorisation approval for cashless payments.

Am I allowed to change the policy term for MaxProtect insurance cover once I have bought the policy?

No, the policy term cannot be changed once the policy is issued.

Can I return the policy if I am not satisfied with it?

We provide a 15-day free look period. You may cancel this policy in the free look period by giving us written notice, and then we shall refund the premium.

Do I need a pre-medical check-up before buying the MaxProtect policy?

You will be informed if you need to get a medical check-up done based on the health details submitted by you. Generally, if you're above 45 years of age, then a pre-medical check-up will be required.

What happens if I don't renew my policy on time?

We provide a grace period of 30 days from the expiry of the policy. Beyond this period, you lose your renewal benefits, including continuity benefits required to cover pre-existing diseases. You will have to apply for a fresh policy post the grace period.

How do I purchase the MaxProtect policy?

You can purchase the MaxProtect policy online through the ICICI Lombard website or by contacting our customer service helpline.

Can I add my family members to the MaxProtect policy?

Yes, you can add your spouse, children, and parents to the MaxProtect policy under the family floater option.

Can I customise the coverage as per my needs?

The MaxProtect policy offers a range of coverage options that can be customised to suit your requirements, including selecting the desired insurance coverage of 50 lakhs, 1 crore & more.

Reviews and ratings

4.6
Our customers have rated us
Based on 456 reviews

Very good way of explaining the details of the health insurance policy. The advisor gave me all the information I needed to make a decision. I am happy to have chosen ICICI Lombard as my insurance provider. Thanks for all the help.

Excellent service provided by the representative. Our interaction went really well and cleared all my doubts about the health insurance cover. By the end, I was convinced to buy it based on merits like cashless hospitalisation and life long renewability.

It was nice talking to your customer care executive. He was encouraging and understanding. I got all my doubts cleared and am happy about the product I purchased. Thanks for the support from your team, ICICI Lombard.

Your agent helped me out with the process of buying a new health insurance policy. He also clarified my doubts and explained all the features and benefits. I specifically bought the plan because it offers in patient AYUSH treatment and emergency ambulance cover.

I am highly impressed with the service rendered to me by your sales agent. He behaved in a professional manner throughout our interaction and listed enough upsides of the policy to convince me to make the purchase. He also had excellent communication skills, which made my decision easier.

Excellent discussion with the agent from ICICI Lombard. It led to me buying the health insurance policy because I was confident in her judgement and understanding of my needs. I would like to rate her 10 out of 10 for the wonderful support.

The executive was clear in her communication. She knew the product well and convinced me to enhance my sum insured with her logic. This is the first time someone from the organisation spoke to me with clarity about the product. I'm sure whatever is explained to me will appear in the policy document, which I am yet to check.

Good experience. The salesperson offered her support till the end of the transaction and provided me with all the possible solutions to my issues. It took me 2-4 days to finalise the mediclaim policy, but I got a great response from her. Thank you.

Your agent had great convincing power along with an in-depth knowledge of the product as well as the market. Her command over the language, combined with her selling skills, made this interaction a productive one. I thank her from the bottom of my heart for her support.

My experience of purchasing a health insurance policy from ICICI Lombard was smooth and really easy, thanks to the competence of the executive. He made sure I understood the key features and benefits of the plan, such as cashless hospitalisation and coverage for day-care expenses. He was patient with me throughout the interaction. Thanks, appreciate it.

Excellent service. I had the good fortune of connecting with one of your top executives and talk about the features and benefits of the mediclaim policy. She listened to me patiently, understood my requirements, and then advised me accordingly. Her knowledge and communication skills made me trust her judgement and follow her advice.

It was a nice experience to talk to the agent from ICICI Lombard. She has good knowledge of the available products and their features and benefits. She helped me in choosing the best mediclaim policy for my mother. Well done!

Way to go! I was very happy with the way the agent handled my transaction. She used her incredible knowledge and communication skills to convince me to buy the health insurance plan and gave me excellent suggestions. I appreciate it.

Your representative has been very helpful and responsive during my wellness claim and renewal process of the health insurance policy. She even reacquainted me with features and benefits like emergency ambulance cover and life long renewability. I would like to thank her and rate her service 10 out of 10.

The executive was clear in his conversation with me. He was knowledgeable, patient, and a good resource for all the information I needed about the health insurance policy. In the end, I was able to make an educated choice.

Your representative was very professional, helpful, and supportive. He solved all my problems and gave me expert advice on the matter of buying health insurance. Congrats on a job well done!

Great experience. All the information I needed was provided by the agent and the customer interaction was very good. ICICI Lombard trains their employees well and it shows in the way they interact.

Good response. I would like to express my gratitude to the customer care employee who helped me get the health insurance. He was wonderful to talk to and extended me every courtesy in the book. I am sure he is an asset to the organisation and deserves all the appreciation. Thanks a lot.

The executive seemed very helpful on the call. She answered all my queries in a satisfactory manner and guided me through the process of purchasing health insurance on the website. I would like to rate her service 5 stars.

Thanks to the proactive nature of the agent, I was able to get my health insurance renewed on time. My conversation with him was polite and informative. The organisation is lucky to have people like him who understand and care about customers.

My interaction with the representative was good. He was patient throughout the call and answered all my queries in great detail without batting an eyelid. He was competent, smart, and a professional through and through. Really appreciate it.

The representative I interacted with is testament to the fact that having a good product is not enough unless the salesperson knows what to do. He knew exactly what to do and how to approach me, which is why I am now the proud owner of a health insurance policy that fits my needs. Thanks for all the help.

Your website was easy to browse and quick in usability. I was even able to contact one of your agents and get some help on the purchase of the health insurance policy. Congratulations on a job well done!

The service I received from your customer support employee was good. She clarified all my doubts and acquainted me with important features and benefits of the health insurance policy such as cashless hospitalisation and emergency ambulance cover. Wonderful assistance, thank you.

Your representative was very good at providing information related to the health insurance policy and telling me about its benefits. She was polite, clear, and overall an excellent salesperson. I truly enjoyed talking to her.

I am quite satisfied by the information shared by your executive. He told me explicitly about the importance of inclusions such as cashless hospitalisation, reset benefit, and free look period. Grateful to him and the organisation for simplifying a complex procedure.

Initially, the agent helped me clear my queries about the health insurance policy and its add-on covers. Once I opted for them, they were not reflecting in the plan. I went to her with the problem and she explained the way around it immediately. Thanks for the swift response.

Your representative was extremely helpful in buying insurance for my parents. The way he communicated inspired confidence in the company and made me feel at ease. He was a major part of my decision to go ahead with ICICI Lombard. The best part was he followed up even after the sale to help with other formalities. Overall, a great experience.

The agent at ICICI Lombard was extremely knowledgeable and had a good attitude towards me as well as his job. It was a pleasure to interact with him and learn about the various terms and inclusions of the policy.

I was living with the misconception that I didn't need a health insurance policy because I was fit and fine. However, after talking to you agent, I am glad to have a cover. She gave me a fabulous explanation of the product, because of which I made the purchase. Superb work, deserves a pat on the back.

I think ICICI Lombard's iHealth policy is the best product in the market. I would like to request a few upgrades, such as organ donor, air ambulance, good health returns, and regular health check-ups. Thank you for guiding me to this plan. Keep it up.

The agent showcased her excellent communication skills during hour interaction about the health insurance policy. She was articulate while telling me about features and benefits like free look period, life long renewability, and cashless hospitalisation. Thanks for getting me in touch with her.

Very happy with your team member who convinced me to buy the health insurance policy. He had good knowledge on the products and provided me with all the information I needed. Thank you so much for the support and guidance.

My experience with the agent who sold me the health insurance policy was very satisfying. He explained several plans in great detail and knew everything there was to know about each product. He really impressed me with his brilliance and made the purchase process easier.

The executive was a nice guy. We had a fantastic interaction, during which he shared his knowledge about the inclusions and exclusions of the policy. He was transparent, polite, and an utter professional with a friendly attitude. Looking forward to more discussions like this.

I am satisfied with the service provided by your agent. She made sure I wasn’t confused about any of the policy features and benefits and clarified all my doubts in an instant. I couldn’t have asked her for more. Great job!

I had a good interaction with your representative regarding the health insurance policy. He was able to explain the product details clearly, which helped me decide to buy it. He also called me back whenever I had a query prior to issuing the plan. I will not hesitate in recommending ICICI Lombard for insurance.

I had a very informative discussion with your salespersons regarding the mediclaim policy for family. They were willing to explain each and every inclusion at length and spend as much time as it took to satisfy my queries. I am impressed by their diligence and confident in their ability.

The agent helped me buy the health insurance policy in a hassle-free way. I genuinely never expected to buy a comprehensive plan with such ease, but thanks to him, I was able to get my whole family insured in practically no time. Thank you for convincing me and supporting me through the process.

Generally, I don't write reviews. But people like the executive at ICICI Lombard deserve words of appreciation. She was very polite and patient. I believe she is an asset to your organisation. Thanks for all the support.

Had a very good interaction with your representative. She explained all the details very well. I had a few queries about the process, but it didn't take her very long to resolve them. I appreciate her service.

Excellent interaction. She was confident in her knowledge and provided all the answers I was looking for. Her communication skills and intelligence helped me believe that this was the right plan for me.

Very helpful interaction. I learned everything I needed to know about the health insurance policy before making a decision. The agent was polite, friendly, and incredibly supportive. Happy to have ICICI Lombard as my insurance provider.

Good experience at ICICI Lombard. The agent listened to me and understood my needs before making any suggestions about the mediclaim policy. I am glad that it was a wonderful interaction. Thanks a lot.

I received flawless support from your salesperson when I approached ICICI Lombard to buy a health insurance policy. He was completely supportive of my needs and helped me fufil them by advising me on the right plan. My overall experience with him as well as the organisation was worthy of five stars.

Had one of the best experiences ever with the customer care department of an organisation. The agent was very precise while giving out information about the mediclaim policy and made sure the one he persuaded me to buy aligned with my requirements. Please continue serving people with the same enthusiasm and care.

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Cashless Everywhere hospitalisationQ

IL Take Care app

24x7 customer support

What is ICICI Lombard's MaxProtect health insurance policy with 1 croreU sum insured?

Why is 1 crore health insurance plan needed?

Benefits of buying a health policy with 1 crore sum insured

Extensive coverage

No coverage limit worries

Access to top healthcare

Coverage for various medical expenses

WorldwideT Coverage Option

Reset BenefitsS

Loyalty Bonus:

Features of ICICI Lombard's MaxProtect 1 crore health insurance

High Coverage

In-patient and Daycare Coverage

Pre and Post-Hospitalisation Coverage

Technological advancements and Treatments Coverage

Worldwide Coverage Option

Loyalty Bonus

Value-added services

Multi-year policy discounts

Coverage of ICICI Lombard's MaxProtect 1 crore health insurance policy

All rooms except suite available up to Sum Insured

Coverage for hospitalisation up to the sum insured

Coverage for daycare treatments requiring less than 24 hours of hospitalisation (including dialysis, radiotherapy and chemotherapy).

Stay ahead with cutting-edge technological advancements and treatments designed to improve health outcomes and patient care

Coverage for expenses incurred 60 days before hospitalisation

Coverage for expenses incurred 180 days after hospitalisation

Coverage for treatment taken at home up to the sum insured

Coverage for expenses related to organ transplantation up to the sum insured

Coverage for AYUSH treatments taken during hospitalisation up to the sum insured

Coverage of up to Rs.10,000 for road ambulance services

Coverage for air ambulance services up to the sum insured (applicable only for specific plans)

Coverage for homecare services up to 1 Lakh

Coverage up to the sum insured for weight loss surgery, if recommended

Up to 3 crores coverage for medical treatments outside the country

Unlimited times sum insured reset for the same illness if exhausted in a policy year

This provides a 20% increase of the expiring or renewed Annual Sum Insured (whichever is lower) at the end of each policy year, as long as the policy is continuously renewed.

Coverage of expenses towards non-payables, as per IRDAI's excluded list of items up to sum insured

Covers up to Rs. 10,000 cost of health check-ups once a year

Unlimited teleconsultation services, available 24x7

Covers cost of a second opinion worldwideT if diagnosed with a critical illness

Access to Health Assistance (HAT), emergency ambulance booking & discounts on medical expenses

ICICI Lombard's MaxProtect health insurance coverage is a good fit if

ICICI Lombard's MaxProtect optional add-ons

Pre-existing disease waiting period reduction

Steps to claim one crore health insurance

Planned Cashless Everywhere hospitalisation

Planned hospitalisation in network hospital

Emergency cashless hospitalisation

Process for reimbursement claims

Steps to claim one crore health insurance

Notify ICICI Lombard

Submit documents

File the claim

Claim verification

Claim settlement

Reimbursement or cashless settlement

Steps to apply for a 1 crore health insurance plan online

Who is eligible to buy the 1 cr. health insurance policy?

Age

Sum Insured (SI) options

Policy tenure options

Claim calmly

ICICI Lombard's MaxProtect Classic vs Premium plan comparison

Zero hassle health plans starting @₹18/day^A

Arogya Sanjeevani
Policy

Cashless Everywhere hospitalisation^Q

What is ICICI Lombard's MaxProtect health insurance policy with 1 crore^U sum insured?

Worldwide^T Coverage Option

Reset Benefits^S

Covers cost of a second opinion worldwide^T if diagnosed with a critical illness