Care Health Insurance Heart vs ICICI Lombard Elevate

Not available

No. However, available as an add-on

21700+ Healthcare Providers

10300+ Healthcare Providers

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to annual sum insured

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Yes

No 

Provides 1 restoration of the base cover upon exhaustion, applicable for unrelated illnesses only

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved

You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved

30 days

30 days

No. However, available as an add-on

No. However, available as an add-on

2 years

2 years

2 years

3 years

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Not available

Not available

Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L

Available sum insured options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr, ₹3 Cr and unlimited sum insured

Health check-up is available from the first policy year

Health checkup is not included as part of base cover. However, available as an add-on

87.10%

88.50%

In-built co-payment: 20% if entry age ≤ 70 years, 30% if entry age > 70 years.

Available as an option

Up to ₹3 L sum insured – 1% of Sum Insured per day

Single private AC room is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category

Up to ₹3 L sum insured – 2% of Sum Insured per day

No restriction on ICU room rent

Your sum insured increases by 10% each policy year as a No-Claim Bonus, up to 50% of the sum insured. The bonus reduces by 10% for every claim paid

Your sum insured increases by 20% every year maximum upto 100%. However, you can pay an additional premium to increase sum insured up to 100%, every year.

You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

OPD expense is not included

OPD expense is not included as part of base cover. However, available as an add-on