{"uin":"ICIHLIP25040V022425","name":"MaxProtect - ICIHLIP25040V022425","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425","insurer":{"slug":"icici-lombard-general-insurance","name":"ICICI LOMBARD General Insurance Company Limited","url":"https://indiainsurances.com/insurer/icici-lombard-general-insurance"},"line":"health","category":"health-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"MaxProtect is a health indemnity policy with Classic and Premium variants and policy periods of one, two or three years. The prospectus states a minimum sum insured of ₹ 50,00,000 and maximum sum insured of Unlimited, while the Premium plan includes worldwide cover and the territorial limit is otherwise India only.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:26:14.684696+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["MaxProtect Classic","MaxProtect Premium"],"display":"MaxProtect Classic; MaxProtect Premium","note":null,"quote":"Product Name MaxProtect Classic ... Name of Insurance Product/Policy MaxProtect Premium","sources":[{"clause":"Row 1","heading":"Product Name MaxProtect Classic","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/20148#c-row-1"},{"clause":"Row 1","heading":"Name of Insurance Product/Policy MaxProtect Premium","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/20151#c-row-1"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"One year, two years or three years.","display":"one year or two years or three years","note":null,"quote":"Policy tenure: You can opt for a Policy with Policy period of one year or two years or three years","sources":[{"clause":null,"heading":"Salient features","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/19980#c-salient-features"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For cashless treatment, request pre-authorisation at least 48 hours before planned hospitalisation or within 24 hours of emergency hospitalisation. For reimbursement within India, give claim notice immediately and in any event within 10 days of hospitalisation; outside India, planned surgery must be intimated 7 days in advance and emergency hospitalisation within 24 hours.","display":"Cashless: 48 hours before planned hospitalisation or within 24 hours of emergency; reimbursement: within 10 days of hospitalisation; outside India: 7 days for planned surgery and 24 hours for emergency hospitalisation","note":null,"quote":"You must request pre-authorisation at least 48 hours before a planned Hospitalisation and in case of an emergency situation, within 24 hours of Hospitalisation. ... The above information needs to be provided to Us or Our In house claim processing team immediately and in any event within 10 days of Hospitalisation ... Intimation for planned surgery outside India should be made 7 days in advance to Us. ... Emergency hospitalisation should be intimated to Us within 24 hours of such admission","sources":[{"clause":null,"heading":"1. Claims procedure For Cashless Settlement within India","page":38,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/20347#c-1-claims-procedure-for-cashless-settlement-withi"},{"clause":"Row 18(III)(b)","heading":null,"page":39,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/20347#c-row-18-iii-b"},{"clause":"Row 18(III)(a)","heading":null,"page":39,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/20347#c-row-18-iii-a-2"},{"clause":"Row 18(III)(b)","heading":null,"page":39,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/20347#c-row-18-iii-b-2"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Duly completed Claim form signed by You and the Medical Practitioner","Original bills, receipts and discharge certificate/card from the Hospital/Medical Practitioner","Original bills from chemists supported by proper prescription.","Original investigation test reports and payment receipts.","Indoor case papers","Medical Practitioner’s referral letter advising Hospitalisation in non-Accident cases.","Any other document as required by Us or Our In house claim processing team to investigate the Claim or Our obligation to make payment for it"],"display":"Claim form; original hospital bills, receipts and discharge certificate/card; chemist bills with prescription; investigation reports and receipts; indoor case papers; referral letter for non-accident hospitalisation; any other required document","note":"The policy wording contains the same list under claim documents; the prospectus text is cleaner.","quote":"a) Duly completed Claim form signed by you and the Medical Practitioner. ... b) Original bills, receipts and discharge certificate/card from the Hospital/Medical Practitioner ... c) Original bills from chemists supported by proper prescription. ... d) Original investigation test reports and payment receipts. ... e) Indoor case papers ... f) Medical Practitioner’s referral letter advising Hospitalisation in non-Accident cases. ... g) Any other document as required by Us or Our In house claim processing team to investigate the Claim or Our obligation to make payment for it.","sources":[{"clause":"6(I)(a)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/19980#c-6-i-a"},{"clause":"6(I)(b)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/19980#c-6-i-b"},{"clause":"6(I)(c)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/19980#c-6-i-c"},{"clause":"6(I)(d)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/19980#c-6-i-d"},{"clause":"6(I)(e)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/19980#c-6-i-e"},{"clause":"6(I)(f)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/19980#c-6-i-f"},{"clause":"6(I)(g)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/19980#c-6-i-g"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"For reimbursement, the wording says the claim will be processed within 30 days of receipt of claim along with claim form and documents and that claim settlement will be within 15 days of submission of claim.","display":"Processed within 30 days of receipt of claim with claim form and documents; claim settlement within 15 days of submission of claim","note":"The same wording clause prints both a 30-day processing time and a 15-day settlement line.","quote":"The claim will be processed within 30 days of receipt of claim along with claim form and documents.\ne. Claim settlement will be within 15 days of submission of claim","sources":[{"clause":"Row 18(III)(a)","heading":null,"page":39,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/20347#c-row-18-iii-a"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Pre-existing diseases until 36 months of continuous coverage","Specified disease/procedure waiting period for listed conditions, surgeries/treatments until 24 months","30-day waiting period for any illness except accident claims","Hypertension, Diabetes and Cardiac Conditions within 90 days","Investigation and evaluation","Rest cure, rehabilitation and respite care","Obesity/ weight control unless conditions are met","Cosmetic or plastic surgery unless medically necessary after accident, burns, cancer or direct health risk","Hazardous or adventure sports as a professional","Breach of law with criminal intent","Excluded providers","Treatment for alcoholism, drug or substance abuse or any addictive condition and consequences thereof","Sterility and infertility","Maternity","Treatment taken outside the country will not be covered unless opted"],"display":"PED 36 months; specified diseases 24 months; 30-day initial waiting; 90-day hypertension/diabetes/cardiac exclusion; investigation, rest cure, obesity, cosmetic surgery, hazardous sports, breach of law, excluded providers, substance abuse, infertility, maternity and overseas treatment unless opted","note":"The policy wording says overseas treatment is excluded unless opted; the prospectus exclusion says overseas treatment is not covered.","quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage ... Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months ... Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident ... Expenses related to the treatment of the below mentioned illness within 90 days ... Hypertension ... Diabetes ... Cardiac Conditions ... D. Investigation and evaluation Code-Excl04 ... E. Rest cure, rehabilitation and respite care Code- Excl05 ... F. Obesity/ weight control Code- Excl06 ... G. Cosmetic or plastic surgery Code- Excl08 ... H. Hazardous or adventure sports Code- Excl09 ... Breach of law - Code- Excl10 ... J. Excluded providers Code- Excl11 ... K. Treatment for alcoholism, drug or substance abuse or any addictive condition and consequences thereof. Code- Excl12 ... Expenses related to birth control, sterility and infertility. ... Q. Maternity Code- Excl18 ... Treatment taken outside the country will not be covered unless opted.","sources":[{"clause":null,"heading":"A. Pre-existing diseases Code- Excl01","page":8,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/19980#c-a-pre-existing-diseases-code-excl01"},{"clause":null,"heading":"C. 30-day waiting period Code- Excl03","page":9,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/19980#c-c-30-day-waiting-period-code-excl03"},{"clause":null,"heading":"D. Investigation and evaluation Code-Excl04","page":9,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/19980#c-d-investigation-and-evaluation-code-excl04"},{"clause":null,"heading":"E. Rest cure, rehabilitation and respite care Code- Excl05","page":9,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/19980#c-e-rest-cure-rehabilitation-and-respite-care-code"},{"clause":null,"heading":"F. Obesity/ weight control Code- Excl06","page":9,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/19980#c-f-obesity-weight-control-code-excl06"},{"clause":null,"heading":"G. Cosmetic or plastic surgery Code- Excl08","page":9,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/19980#c-g-cosmetic-or-plastic-surgery-code-excl08"},{"clause":null,"heading":"H. Hazardous or adventure sports Code- Excl09","page":10,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/19980#c-h-hazardous-or-adventure-sports-code-excl09"},{"clause":null,"heading":"J. Excluded providers Code- Excl11","page":10,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/19980#c-j-excluded-providers-code-excl11"},{"clause":null,"heading":"P. Sterility and infertility Code- Excl17","page":10,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/19980#c-p-sterility-and-infertility-code-excl17"},{"clause":null,"heading":"Q. Maternity Code- Excl18","page":10,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/19980#c-q-maternity-code-excl18"},{"clause":"Excl12","heading":null,"page":26,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/20347#c-excl12"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact ICICI Lombard through its website, toll-free number, email, address or branch grievance cell. If not satisfied, contact the grievance officer at the link given before approaching IRDAI or the Insurance Ombudsman.","display":"Contact ICICI Lombard via website, 1800 2666, customersupport@icicilombard.com, office/branch grievance cell; then grievance officer link","note":null,"quote":"ln case of any grievance the insured person may contact the Company through Website: www.icicilombard.com Toll free:\n1800 2666 | Email:\ncustomersupport@icicilombard.com ... lnsured person may also approach the grievance cell at any of the company's branches with the details of grievance. ... lf lnsured person is not satisfied with the redressal of grievance ,insured person may contact the grievance officer","sources":[{"clause":null,"heading":"15. Redressal of Grievances","page":31,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/20347#c-15-redressal-of-grievances"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"conflicting","value":"Minimum Sum Insured: ₹ 50,00,000. Maximum Sum Insured: Unlimited.","display":"Minimum Sum Insured: ₹ 50,00,000; Maximum Sum Insured: Unlimited","note":"The lower-priority sales brochure says: \"Sum Insured options: `1 crore to Maximum Unlimited~\".","quote":"Minimum Sum Insured: ₹ 50,00,000 Maximum Sum Insured: Unlimited","sources":[{"clause":null,"heading":"Salient features","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/19980#c-salient-features"},{"clause":null,"heading":"The maximum amount of cover available to you","page":4,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/19836#c-the-maximum-amount-of-cover-available-to-you"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Does not apply to accident claims, if covered.","quote":"Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.","sources":[{"clause":null,"heading":"C. 30-day waiting period Code- Excl03","page":9,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/19980#c-c-30-day-waiting-period-code-excl03"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"months","amount":24},"display":"24 months","note":"Bariatric surgery has 36 months waiting period. Hypertension, Diabetes and Cardiac Conditions have a 90-day exclusion unless pre-existing and disclosed at underwriting.","quote":"Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first policy with us. ... Bariatic surgery will have 36 months of waiting period ... Expenses related to the treatment of the below mentioned illness within 90 days from the first policy commencement date shall be excluded ... Hypertension ... Diabetes ... Cardiac Conditions","sources":[{"clause":null,"heading":"A. Pre-existing diseases Code- Excl01","page":8,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/19980#c-a-pre-existing-diseases-code-excl01"},{"clause":"14","heading":"Bariatric Surgery","page":19,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/20347#c-14"},{"clause":null,"heading":"Q. Maternity Code- Excl18","page":10,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/19980#c-q-maternity-code-excl18"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["Surgery on tonsils, adenoids and sinuses","Mastoidectomy","Tympanoplasty","Myomectomy, Hysterectomy unless because of malignancy","All types of Skin and internal tumours/ cysts/nodules/ polyps of any kind including breast lumps unless malignant","Benign Prostatic Hypertrophy","Cataract & age related eye ailments","Gastric and Duodenal erosions & ulcers","Arthritis, gout, rheumatism and spinal disorders","All types of Hernia, Hydrocele","Fissures &/or Fistula in anus, hemorrhoids/piles","Prolapse inter vertebral disc & spinal diseases unless arising from accident","Joint replacements unless due to accident","Sinusitis and related disorders","Stones in the urinary and biliary systems","Dilatation and curettage, Endometriosis","Dialysis required for chronic renal failure","Deviated Nasal Septum","Varicose Veins/ Varicose Ulcers"],"display":"Tonsils/adenoids/sinuses surgery, mastoidectomy, tympanoplasty, hysterectomy/myomectomy, benign tumours/polyps, BPH, cataract, ulcers, arthritis/spinal disorders, hernia/hydrocele, piles/fistula, disc/spinal disease, joint replacements, sinusitis, urinary/biliary stones, D&C/endometriosis, dialysis for chronic renal failure, deviated nasal septum, varicose veins/ulcers","note":"The policy wording contains the same list, but the prospectus version is more legible.","quote":"List of specific diseases/procedure:\ni) Surgery on tonsils, adenoids and sinuses\nii) Mastoidectomy\niii) Tympanoplasty\niv) Myomectomy, Hysterectomy unless because of malignancy\nv) All types of Skin and internal tumours/ cysts/nodules/ polyps of any kind including breast lumps unless malignant\nvi) Benign Prostatic Hypertrophy\nvii) Cataract & age related eye ailments\nviii) Gastric and Duodenal erosions & ulcers\nix) Arthritis, gout, rheumatism and spinal disorders\nx) All types of Hernia, Hydrocele\nxi) Fissures &/or Fistula in anus, hemorrhoids/piles\nxii) Prolapse inter vertebral disc & spinal diseases unless arising from accident\nxiii) Joint replacements unless due to accident\nxiv) Sinusitis and related disorders\nxv) Stones in the urinary and biliary systems\nxvi) Dilatation and curettage, Endometriosis\nxvii) Dialysis required for chronic renal failure\nxviii) Deviated Nasal Septum\nxix) Varicose Veins/ Varicose Ulcers","sources":[{"clause":null,"heading":"A. Pre-existing diseases Code- Excl01","page":8,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/19980#c-a-pre-existing-diseases-code-excl01"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":"Applies to sums insured of the first policy; enhanced sums insured need sixty continuous months from enhancement.","quote":"After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This period of sixty continuous months is called as moratorium period.","sources":[{"clause":null,"heading":"11. Moratorium Period","page":30,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/20347#c-11-moratorium-period"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"The insured can port the policy from one insurer to another and transfer credits to the extent of the sum insured and benefits available in the previous policy, subject to underwriting. Application must be made at least 30 days before, but not earlier than 60 days from, the renewal due date; the benefit is not applicable for enhanced sum insured.","display":"Can port to another insurer with waiting-period credit; apply at least 30 days before and not earlier than 60 days from renewal due date","note":null,"quote":"The insured has the choice to port his / her policies from one Insurer to another. An Insured desirous of porting his/her policy to another insurer shall apply to such insurer to port the entire policy along with all the members of the family, if any, at least 30 days before, but not earlier than 60 days from the due date for renewal. ... The insured is entitled to transfer the credits gained to the extent of the sum insured and the benefits available in the previous policy ... This benefit is not applicable for enhanced sum insured.","sources":[{"clause":null,"heading":"8. Portability","page":29,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/20347#c-8-portability"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"quote-verified","value":true,"display":"Yes, no maximum age limit for Renewal","note":null,"quote":"Lifetime renewability: There is no maximum age limit for Renewal.","sources":[{"clause":"2","heading":"Lifetime renewability","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/19980#c-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"No loading applies on renewals based on individual claims experience.","display":"No loading shall apply on renewals based on individual claims experience","note":null,"quote":"No loading shall apply on renewals based on individual claims experience","sources":[{"clause":null,"heading":"9. Renewal of Policy","page":29,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/20347#c-9-renewal-of-policy"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder may cancel by giving 7 days' written notice. The company refunds proportionate premium for the unexpired policy period if the policy term is up to one year and no claim is made; for policies longer than one year, it refunds premium for unexpired policy years where risk coverage has not commenced. No refund is made if any claim has been admitted or lodged or any benefit has been availed.","display":"7 days' written notice; proportionate/unexpired-period refund if no claim; no refund if a claim has been admitted or lodged or a benefit availed","note":null,"quote":"The policyholder may cancel this Policy by giving 7 days' written notice, and in such an event, the Company shall refund proportionate premium for the unexpired Policy Period ... if the term of policy up to one year and there is no claim (s) made during the policy period. Refund premium for the unexpired policy period, ... in respect of policies with term more than 1 year and risk coverage for such policy years has not commenced ... no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed","sources":[{"clause":null,"heading":"6. Cancellation","page":28,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/20347#c-6-cancellation"},{"clause":"17(d)(i)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/20347#c-17-d-i"},{"clause":"17(d)(ii)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/20347#c-17-d-ii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"Medical treatment must be taken in India only unless the Premium plan with worldwide cover is opted.","display":"India only unless opted for Premium plan which includes worldwide cover","note":null,"quote":"All medical treatment for the purpose of this insurance will have to be taken in India only unless opted for Premium plan which includes worldwide cover.","sources":[{"clause":null,"heading":"5. Territorial Limit","page":33,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/20347#c-5-territorial-limit"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Not provided for policies with tenure of less than a year.","quote":"Every insured of new health insurance policies, except for those policies with tenure of less than a year, shall be provided a free look period of 30 days beginning from the date of receipt of policy document","sources":[{"clause":null,"heading":"14. Free look period","page":30,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/20347#c-14-free-look-period"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days; 15 days for monthly mode","note":"Fifteen days applies where premium payment mode is monthly; thirty days applies in all other cases.","quote":"The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases.","sources":[{"clause":null,"heading":"12. Premium Payment in instalments","page":30,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/20347#c-12-premium-payment-in-instalments"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"The policy can be offered to an individual from age 6 years up to maximum entry age 65. Children from 3 months to 5 years can be insured under a floater plan only, and maximum age for dependent children under a floater policy is 20 years.","display":"Minimum age 6 years, maximum entry age 65; children 3 months to 5 years under floater plan only","note":null,"quote":"Entry age: This Policy can be offered to an individual with minimum age of 6 years and maximum entry age of 65. Children between ages of 3 months to 5 years can be insured under a floater plan only. Maximum age for dependent children under Floater Policy is 20 years.","sources":[{"clause":"1","heading":"Entry age: This Policy can be offered to an individual with minimum age of 6 years and","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/19980#c-1"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Half Yearly","Quarterly","Monthly"],"display":"Half Yearly, Quarterly or Monthly","note":"The documents state these instalment modes; an annual mode is not expressly listed in the cited wording.","quote":"lf the insured person has opted for Payment of Premium on an instalment basis i.e. Half Yearly, Quarterly or Monthly","sources":[{"clause":null,"heading":"12. Premium Payment in instalments","page":30,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/20347#c-12-premium-payment-in-instalments"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Coverage is not available during the grace period except if the premium is paid in instalments; the company offers coverage during the grace period when instalment premium is paid during the policy period.","display":"Coverage is not available during the grace period except if the premium is paid in instalments","note":null,"quote":"Coverage is not available during the grace period except if the premium is paid in instalments. ... Provided the company shall offer coverage during the grace period, if the premium is paid in instalments during the policy period.","sources":[{"clause":null,"heading":"9. Renewal of Policy","page":29,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/20347#c-9-renewal-of-policy"},{"clause":null,"heading":"12. Premium Payment in instalments","page":30,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/20347#c-12-premium-payment-in-instalments"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for the hospital room, or the room category allowed. If you take a costlier room, other bills can be cut in proportion.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"room_category","label":"Room category allowed","section":"Limits and co-pay","meaning":"Shared room, single private room or any room, by plan, when the limit is a room type rather than a rupee amount.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"proportionate_deduction","label":"Proportionate deduction","section":"Limits and co-pay","meaning":"If you choose a room above your limit, whether the insurer reduces associated charges (doctor fees, tests, procedures) by the same proportion.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself, and when it applies (age, zone, choice of hospital).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments (cataract, knee replacement...), even if the sum insured is higher.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days after discharge that are paid if related to the hospitalisation.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital (chemotherapy, dialysis, cataract) and whether all or only listed ones are covered.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"domiciliary","label":"Treatment at home","section":"Cover","meaning":"Whether treatment at home is covered when hospital admission is not possible or a doctor advises it.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 1","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 2","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 1","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II A.I(1)","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"modern_treatments","label":"Modern treatments","section":"Cover","meaning":"Robotic surgery, immunotherapy, oral chemotherapy, stem cell therapy and the like, and any cap on them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"consumables","label":"Consumables and 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Insurance Business, 2024","section":"Ch I Para 3","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch III I","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(4)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 2(1)(s)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(1)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"}]},{"key":"health_checkup","label":"Health check-up","section":"Cover","meaning":"Free preventive check-ups and how often.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"opd","label":"Out-patient (OPD) cover","section":"Cover","meaning":"Doctor consultations, tests and medicines without admission, and the limit.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"zone_pricing","label":"Zone or city-based premium","section":"Premium","meaning":"Whether premium or co-pay depends on the city you are treated in.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"MaxProtect - ICIHLIP25040V022425","pages":43,"fetched_at":"2026-10-20 02:33:29+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/max-protect.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425/document/20347"},{"kind":"wording","label":"MaxProtect - ICIHLIP25040V022425","pages":43,"fetched_at":"2026-10-20 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Not checked: the site blocks automated requests (bot wall) for our crawler on 2026-10-19; we do not bypass walls."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"MaxProtect - ICIHLIP25040V022425 (UIN ICIHLIP25040V022425), IndiaInsurances, https://indiainsurances.com/policy/icici-lombard-general-insurance/maxprotect-icihlip25040v022425-icihlip25040v022425"}