Oneassure

Partner with us

Insurance Plans Comparison

ICICI Lombard Elevate (Direct) vs Care Advantage

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

Read more
ICICI Lombard

Elevate (Direct)

Get comprehensive health insurance with customisable benefits, flexible sum insured options and a 5% online purchase discount with Elevate Direct.

What Makes It Special:

ICICI Lombard Elevate Direct is the online-purchase variant of the Elevate health insurance plan. It offers the same underlying coverage and customisation options as standard Elevate, including hospitalisation benefits, pre- and post-hospitalisation expenses, restoration features and a range of optional benefits. Customers can customise their protection through available add-ons for...

Best For:

  • Value-conscious customers: People who want the same core Elevate plan benefits while saving through the online purchase discount.

  • Additional benefit seekers: Buyers interested in optional benefits such as worldwide cover, maternity, chronic care or Claim Protector.

  • Higher coverage requirements: Customers considering a range of sum insured options, including high-cover options subject to eligibility.

  • Customisable health protection: Buyers who want to select coverage and add-ons based on their needs.

  • Online insurance buyers: Customers who prefer purchasing and managing their policy digitally and want the 5% online discount.

VS
Care

Advantage

Care Advantage Health Insurance

What Makes It Special:

Premium plan offering high Sum Insured up to ₹1 Crore with optional global coverage.

Best For:

  • Nationwide cashless treatment network

  • High sum insured with flexible add-ons

  • Broad coverage including AYUSH and daycare

  • Comprehensive health and wellness protection

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

ICICI Lombard Elevate (Direct)

  • Purchase online to save: Elevate Direct offers a 5% online purchase discount, while the underlying coverage remains the same as standard Elevate.

  • Compare add-ons: Consider whether options such as Claim Protector, Worldwide Cover, Maternity Benefit or Infinite Care meet your needs and budget.

  • Check zone-based conditions: Review any applicable zone-based co-payment and room eligibility conditions before purchasing.

  • Review waiting periods: Check the 30-day initial waiting period, 24-month specified-disease waiting period and 36-month pre-existing disease waiting period.

  • Choose the right sum insured: Compare the available cover options against your family size, existing insurance and expected healthcare expenses.

Care Advantage

  • You want flexibility in sum insured and add-on benefits

  • You value regular health check-ups and ambulance coverage

  • You seek cashless hospitalization services across many hospitals

  • You prefer optional add-ons for extra critical illness cover

  • You want extensive hospital and daycare coverage

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Elevate (Direct)
Elevate (Direct)

Health Insurance Plan

Brochure

Policy Wording

VS
Advantage
Advantage

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Elevate (Direct)

Room eligibility depends on selected plan; Room Modifier add-on for eligible SI amounts.

VS

Advantage

All room categories are covered

ICU Charges

Elevate (Direct)

Covered as per applicable policy terms and eligible room category.

VS

Advantage

No restriction on ICU room rent

Co-payment

Elevate (Direct)

Voluntary co-payment available as optional cover.

VS

Advantage

Available as an option

Disease-wise sublimits

Elevate (Direct)

Not Available.

VS

Advantage

No

Cashless Healthcare Providers

Elevate (Direct)

Network hospitals plus Cashless Everywhere option for any hospital in India.

VS

Advantage

21700+ Healthcare Providers

Restoration Benefit

Elevate (Direct)

Reset Benefit restores SI for future claims; unlimited resets per year.

VS

Advantage

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

Daycare Treatment

Elevate (Direct)

Eligible day-care procedures covered under base plan.

VS

Advantage

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

Cumulative Bonus

Elevate (Direct)

Loyalty Bonus: guaranteed 20% annual SI increase, up to 100% maximum.

VS

Advantage

For every year you don’t make a claim, your sum insured increases by 10%. You can pay an additional premium to increase Sum Insured up to 100%, every year, without any upper limit

Consumable Cover

Elevate (Direct)

Covered under Claim Protector add-on for specified items (gloves, syringes, masks)

VS

Advantage

No. However, available as an add-on

AYUSH Treatment

Elevate (Direct)

In-patient AYUSH hospitalisation covered up to applicable SI

VS

Advantage

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

Initial Waiting Period

Elevate (Direct)

30 days from policy start for specified illnesses.

VS

Advantage

30 days

Specific Waiting Period

Elevate (Direct)

24 months for specified diseases.

VS

Advantage

2 years

PED Waiting Period

Elevate (Direct)

36 months for pre-existing diseases.

VS

Advantage

3 years

Modern Treatment

Elevate (Direct)

Covers modern treatments as specified per policy with applicable per-treatment conditions.

VS

Advantage

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

Annual Health Checkup

Elevate (Direct)

Optional cover with cashless package worth up to 0.5% of SI (max ₹5,000).

VS

Advantage

Health checkup is not included as part of base cover. However, you can opt for the Annual Health Checkup Add-on to avail health checkup once per Policy Year

Pre-Hospitalisation

Elevate (Direct)

Up to 90 days before hospitalisation for eligible expenses.

VS

Advantage

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

Post-Hospitalisation

Elevate (Direct)

Up to 180 days after hospitalisation for eligible expenses.

VS

Advantage

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

Outpatient Department Cover (OPD Expense)

Elevate (Direct)

Available via optional BeFit benefit for cashless OPD, pharmacy, physiotherapy, diagnostics.

VS

Advantage

OPD expense is not included as part of base cover. However, you can opt for an add-on to avail this coverage

Deductible Option

Elevate (Direct)

Voluntary deductible available as optional cover.

VS

Advantage

Available as an option

Coverage Options

Elevate (Direct)

Flexible SI options including unlimited sum insured option.

VS

Advantage

Available coverage options: ₹25L, ₹50L,₹1Cr, ₹2Cr, ₹3 Cr, ₹6 Cr

Claim Settlement Ratio

Elevate (Direct)

Not publicly specified on official product page.

VS

Advantage

96%

Maternity Cover

Elevate (Direct)

Optional add-on for normal/C-section deliveries: up to 10% SI (max ₹1L) after 24 months WP.

VS

Advantage

Not available

Insurance Plans Comparison

Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Why Choose Our Expert Consultation?

End-to-End Support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

Smart, Tech-Enabled Experience

  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

Compare With Other Health Insurance Plans

Elevate (Direct) vs Optima Secure

Elevate (Direct) vs Super Mediclaim

Elevate (Direct) vs Health Recharge

Elevate (Direct) vs Cancer Cover Activ Cancer Secure Plan

Elevate (Direct) vs Optima Secure Plus

Advantage vs Optima Secure

Advantage vs Super Mediclaim

Advantage vs Health Recharge

Advantage vs Cancer Cover Activ Cancer Secure Plan

Advantage vs Optima Secure Plus

Oneassure

Health Insurance

Compare Health Insurance Plans

Elevate (direct) Vs Advantage

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.