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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...

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HDFC ERGO

Critical 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
ICICI Lombard

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
Critical Illness Platinum Plan

Health Insurance Plan

VS
Elevate
Elevate

Health Insurance Plan

Room Rent

Critical Illness Platinum Plan

Not applicable.

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

Elevate

No restriction on ICU room rent

Co-payment

Critical Illness Platinum Plan

Not specified.

VS

Elevate

Available as an option


Disease-wise sublimits

Critical Illness Platinum Plan

Not applicable.

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

Elevate

10300+ Healthcare Providers

Restoration Benefit

Critical Illness Platinum Plan

Not applicable.

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

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

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

Elevate

No. However, available as an add-on

AYUSH Treatment

Critical Illness Platinum Plan

Not applicable.

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

Elevate

30 days

Specific Waiting Period

Critical Illness Platinum Plan

Not specified.

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

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

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

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

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

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

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

Elevate

Not available

Coverage Options

Critical Illness Platinum Plan

Cover is written per insured person. No individual/floater structure is stated.

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

Elevate

97.16%

Maternity Cover

Critical Illness Platinum Plan

Not covered.

VS

Elevate

No. However, available as an add-on.


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Still Confused? Get Expert Advice

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Why Choose Our Expert Consultation?

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

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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

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Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

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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

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Frequently Asked Questions (FAQs)

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