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Insurance Plans Comparison

Care Ultimate (Direct) vs ICICI Lombard Elevate (Direct)

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

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Care

What Makes It Special:

Ultimate (Direct) is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.

Best For:

  • Not available
VS
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.

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

Care Ultimate (Direct)

Not available

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.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Ultimate (Direct)
Ultimate (Direct)

Health Insurance Plan

Brochure

VS
Elevate (Direct)
Elevate (Direct)

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Ultimate (Direct)

The cost of hospital room accommodation is covered under a health insurance policy, subject to specified limits.

No limit on room rent or ICU charges, allowing policyholders to choose any hospital room without financial constraints.

VS

Elevate (Direct)

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

Advanced Treatments

Ultimate (Direct)

Modern medical procedures like robotic surgery or stem cell therapy, often covered under specialized insurance plans.

Covers modern procedures like robotic surgery, stem cell therapy, oral chemotherapy, and deep brain stimulation for critical illnesses.

VS

Elevate (Direct)

Information Unavailable

ICU Charges

Ultimate (Direct)

Information Unavailable

VS

Elevate (Direct)

Covered as per applicable policy terms and eligible room category.

Co-payment

Ultimate (Direct)

A fixed percentage of the claim amount that the insured must pay out-of-pocket before the insurer covers the rest.

No mandatory co-payment for policyholders under 61; a 20% co-payment applies for those purchasing after turning 61.

VS

Elevate (Direct)

Voluntary co-payment available as optional cover.

Disease-wise sublimits

Ultimate (Direct)

Information Unavailable

VS

Elevate (Direct)

Not Available.

Waiting Period

Ultimate (Direct)

The duration after policy issuance during which certain illnesses or conditions are not covered.

Coverage begins after 30 days for general illnesses, two years for specific conditions, and three years for pre-existing diseases.

VS

Elevate (Direct)

Information Unavailable

Cashless Healthcare Providers

Ultimate (Direct)

Hospitals and clinics within an insurer’s network where policyholders can receive treatment without upfront payments.

 

Access to over 24,800 network hospitals for cashless treatment, ensuring hassle-free hospitalization without upfront payments.

VS

Elevate (Direct)

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

Restoration Benefit

Ultimate (Direct)

Information Unavailable

VS

Elevate (Direct)

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

Daycare Treatment

Ultimate (Direct)

Medical procedures requiring less than 24-hour hospitalization, such as cataract surgery or chemotherapy.

 

Covers treatments requiring hospitalization of less than 24 hours, such as cataract surgeries, chemotherapy, and other specialized procedures.

VS

Elevate (Direct)

Eligible day-care procedures covered under base plan.

Cumulative Bonus

Ultimate (Direct)

Information Unavailable

VS

Elevate (Direct)

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

Consumable Cover

Ultimate (Direct)

Information Unavailable

VS

Elevate (Direct)

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

AYUSH Treatment

Ultimate (Direct)

Information Unavailable

VS

Elevate (Direct)

In-patient AYUSH hospitalisation covered up to applicable SI

Initial Waiting Period

Ultimate (Direct)

Information Unavailable

VS

Elevate (Direct)

30 days from policy start for specified illnesses.

Specific Waiting Period

Ultimate (Direct)

Information Unavailable

VS

Elevate (Direct)

24 months for specified diseases.

PED Waiting Period

Ultimate (Direct)

Information Unavailable

VS

Elevate (Direct)

36 months for pre-existing diseases.

Modern Treatment

Ultimate (Direct)

Information Unavailable

VS

Elevate (Direct)

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

Annual Health Checkup

Ultimate (Direct)

Information Unavailable

VS

Elevate (Direct)

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

Pre-Hospitalisation

Ultimate (Direct)

Information Unavailable

VS

Elevate (Direct)

Up to 90 days before hospitalisation for eligible expenses.

Post-Hospitalisation

Ultimate (Direct)

Information Unavailable

VS

Elevate (Direct)

Up to 180 days after hospitalisation for eligible expenses.

Outpatient Department Cover (OPD Expense)

Ultimate (Direct)

Information Unavailable

VS

Elevate (Direct)

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

Deductible Option

Ultimate (Direct)

Information Unavailable

VS

Elevate (Direct)

Voluntary deductible available as optional cover.

Coverage Options

Ultimate (Direct)

Information Unavailable

VS

Elevate (Direct)

Flexible SI options including unlimited sum insured option.

Claim Settlement Ratio

Ultimate (Direct)

Information Unavailable

VS

Elevate (Direct)

Not publicly specified on official product page.

Maternity Cover

Ultimate (Direct)

Information Unavailable

VS

Elevate (Direct)

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

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

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

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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.

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