Insurance Plans Comparison
HDFC ERGO Critical Illness Platinum Plan vs ICICI Lombard Elevate
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreCritical Illness Platinum Plan
Lump-sum payout on first diagnosis of any of 15 critical illnesses
What Makes It Special:
The Platinum Plan pays the sum insured as a single lump sum on first diagnosis of any one of 15 listed critical illnesses after the chosen survival period of 15 or 30 days, and because the money is paid as a benefit rather than against hospital bills it can be...
Best For:
Buyers who prefer a benefit paid on diagnosis rather than one requiring hospital bills and cashless authorisation
Younger applicants looking to lock in cover early, since entry is permitted from 5 years of age
Buyers who want a wider critical illness list than a basic plan, including Parkinson's disease, Alzheimer's disease, benign brain tumour and end-stage liver failure
Sole earners whose household would face a sustained income gap if they were diagnosed with cancer, a heart condition or a neurological illness
Buyers who already hold a hospitalisation policy and want a separate lump sum to cover income loss and non-medical costs during a serious illness
VS
Elevate
Comprehensive health insurance with high coverage, loyalty bonus and flexible optional benefits
What Makes It Special:
ICICI Lombard’s Elevate health insurance policy is designed to provide comprehensive protection and flexibility. It covers hospitalisation, day-care treatments, pre- and post-hospitalisation expenses (90 to 180 days), AYUSH treatments, ambulance services (road and air), and even worldwide cashless hospitalisation. The policy offers unlimited reset of sum insured, 100% annual increase...
Best For:
Comprehensive All-Round Protection
Global Health Insurance Coverage
Advanced Critical Illness Cover
Tech-Enabled Seamless Support
Insurance Plans Comparison
Get Personalized Advice
Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.
Quick Decision Guide
Set the sum insured against the income and costs you would need to replace over a treatment period, not against hospital bills, since the payout is a fixed benefit rather than a reimbursement.
Pre-existing conditions carry a 48-month waiting period, so if you have a declared condition, factor that delay into whether the cover meets your need.
Choose the survival period deliberately: the quoted premiums are based on 30 days, and the 15-day option changes the price.
The benefit is paid once, so treat this as a supplement to a hospitalisation policy rather than a replacement for one.
This plan pays only on first diagnosis of one of the 15 listed conditions as defined in the policy, so read those definitions — including the severity thresholds on heart attack, cancer and stroke — before assuming a diagnosis will qualify.
You want global and all-round health coverage
You need CIBIL discount on good credit score
You need coverage on conditions like Asthma, BP, Cholesterol, Diabetes from Day 1
You need a good customer app which has a simplified claims experience
You need unlimited sum insured restoration benefits and high cumulative bonus
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Critical Illness Platinum Plan Health Insurance Plan VS VS |
![]() Elevate Health Insurance Plan |
| Room Rent |
|---|
Critical Illness Platinum Plan Not applicable. |
VS VS |
Elevate 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 (Option to modify room category) |
| ICU Charges |
|---|
Critical Illness Platinum Plan Not applicable — hospitalisation expenses are not indemnified under this policy |
VS VS |
Elevate No restriction on ICU room rent |
| Co-payment |
|---|
Critical Illness Platinum Plan Not specified. |
VS VS |
Elevate Available as an option |
| Disease-wise sublimits |
|---|
Critical Illness Platinum Plan Not applicable. |
VS VS |
Elevate No |
| Cashless Healthcare Providers |
|---|
Critical Illness Platinum Plan 16,000 cashless healthcare providers (insurer-level, as of August 2025). Cashless hospitalisation is not the mechanism of this policy, which pays a lump sum on diagnosis |
VS VS |
Elevate 10300+ Healthcare Providers |
| Restoration Benefit |
|---|
Critical Illness Platinum Plan Not applicable. |
VS VS |
Elevate Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses (per claim in a policy year for related/unrelated illnesses) |
| Cumulative Bonus |
|---|
Critical Illness Platinum Plan Not specified |
VS VS |
Elevate 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. (Option to boost coverage by 1x annually) |
| Daycare Treatment |
|---|
Critical Illness Platinum Plan Not applicable. |
VS VS |
Elevate Covers medical expenses for treatments not requiring 24-hour hospitalization, up to annual sum insured |
| Consumable Cover |
|---|
Critical Illness Platinum Plan Not applicable — no itemised hospitalisation expenses are reimbursed |
VS VS |
Elevate No. However, available as an add-on |
| AYUSH Treatment |
|---|
Critical Illness Platinum Plan Not applicable. |
VS VS |
Elevate Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Initial Waiting Period |
|---|
Critical Illness Platinum Plan 90 days for all claims |
VS VS |
Elevate 30 days |
| Specific Waiting Period |
|---|
Critical Illness Platinum Plan Not specified. |
VS VS |
Elevate 2 years |
| PED Waiting Period |
|---|
Critical Illness Platinum Plan 48 months for all pre-existing conditions declared and/or accepted at application |
VS VS |
Elevate 3 years |
| Modern Treatment |
|---|
Critical Illness Platinum Plan Not applicable — this is a fixed-benefit policy paying a lump sum, not an indemnity cover for treatment costs |
VS VS |
Elevate Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Critical Illness Platinum Plan Not specified. A pre-policy medical check may be required based on age and sum insured. 50% of standard medical test charges is reimbursed if conducted at an empanelled diagnostic centre, subject to acceptance of the proposal and policy issuance. |
VS VS |
Elevate Health checkup is not included as part of base cover. However, available as an add-on |
| Pre-Hospitalisation |
|---|
Critical Illness Platinum Plan Not applicable. |
VS VS |
Elevate You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Critical Illness Platinum Plan Not applicable. |
VS VS |
Elevate You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it. |
| Outpatient Department Cover (OPD Expense) |
|---|
Critical Illness Platinum Plan Not applicable. |
VS VS |
Elevate OPD expense is not included as part of base cover. However, available as an add-on |
| Deductible Option |
|---|
Critical Illness Platinum Plan Not applicable. |
VS VS |
Elevate Not available |
| Coverage Options |
|---|
Critical Illness Platinum Plan Cover is written per insured person. No individual/floater structure is stated. |
VS VS |
Elevate Available sum insured options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr, ₹3 Cr and unlimited sum insured |
| Claim Settlement Ratio |
|---|
Critical Illness Platinum Plan Approximately 97% |
VS VS |
Elevate 97.16% |
| Maternity Cover |
|---|
Critical Illness Platinum Plan Not covered. |
VS VS |
Elevate No. However, available as an add-on. |
Insurance Plans Comparison
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