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Insurance Plans Comparison

ICICI Lombard Elevate vs Care Heart

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

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ICICI Lombard

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

VS
Care

What Makes It Special:

Care Heart Health Insurance is a specialized policy designed for people with existing heart conditions or cardiac risks. It provides comprehensive coverage for hospitalization, surgeries, and treatments related to heart ailments, including pre and post-hospitalization expenses. The plan also covers annual health check-ups, ambulance charges, and optional add-ons for enhanced...

Best For:

  • Focused Protection for Cardiac Patients

  • Covers Pre and Post Hospitalization

  • Annual Health Check-Up Included

  • Lifelong Policy Renewability Option

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

  • 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

Care Heart

  • You have a past history of heart disease

  • You need coverage for cardiac-related hospitalization expenses

  • You want insurance despite pre-existing heart conditions

  • You seek affordable premiums for heart-focused care

  • You prefer lifelong renewability with cardiac protection

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Elevate
Elevate

Health Insurance Plan

Brochure

Policy Wording

VS
Heart
Heart

Health Insurance Plan

Brochure

Policy Wording

Room Rent

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)

VS

Heart

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

ICU Charges

Elevate

No restriction on ICU room rent

VS

Heart

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

Disease-wise sublimits

Elevate

No

VS

Heart

Yes

Co-payment

Elevate

Available as an option


VS

Heart

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

Restoration Benefit

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)

VS

Heart

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

Cashless Healthcare Providers

Elevate

10300+ Healthcare Providers

VS

Heart

21700+ Healthcare Providers

Cumulative Bonus

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)

VS

Heart

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

Daycare Treatment

Elevate

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

VS

Heart

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

AYUSH Treatment

Elevate

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


VS

Heart

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

Consumable Cover

Elevate

No. However, available as an add-on

VS

Heart

No. However, available as an add-on

Initial Waiting Period

Elevate

30 days

VS

Heart

30 days

Specific Waiting Period

Elevate

2 years

VS

Heart

2 years

PED Waiting Period

Elevate

3 years

VS

Heart

2 years

Modern Treatment

Elevate

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

VS

Heart

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

Annual Health Checkup

Elevate

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

VS

Heart

Health check-up is available from the first policy year

Pre-Hospitalisation

Elevate

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

VS

Heart

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

Post-Hospitalisation

Elevate

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


VS

Heart

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

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

VS

Heart

OPD expense is not included

Deductible Option

Elevate

Not available

VS

Heart

Not available

Coverage Options

Elevate

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


VS

Heart

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

Claim Settlement Ratio

Elevate

97.16%

VS

Heart

96%

Maternity Cover

Elevate

No. However, available as an add-on.


VS

Heart

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

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Family Health Plan

  • One policy covers the entire family

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  • 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

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