Insurance Plans Comparison
ICICI Lombard Elevate vs HDFC ERGO Critical Illness Silver Plan
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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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
VS
Critical Illness Silver Plan
Affordable lump-sum cover for 8 major critical illnesses
What Makes It Special:
The Silver Plan pays the sum insured as a single lump sum on first diagnosis of any one of 8 listed critical illnesses after the chosen survival period of 15 or 30 days, and at every age band and sum insured its premium is lower than the Platinum Plan's, which...
Best For:
Buyers topping up an existing critical illness benefit from an employer or a life insurer with additional standalone cover
Younger applicants looking to start critical illness cover early, since entry is permitted from 5 years of age
Buyers who already hold a hospitalisation policy and want a separate lump sum for income loss and non-medical costs
Buyers whose main concern is the four most common critical illness categories — heart, cancer, stroke and kidney failure
Buyers who want critical illness cover at the lowest premium within this product and accept a shorter list of covered conditions
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
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
Set the sum insured against the income and costs you would need to replace during treatment rather than against expected hospital bills, because the payout is a fixed benefit and not a reimbursement.
Pre-existing conditions carry a 48-month waiting period, so if you have a declared condition, weigh whether the Silver Plan's lower premium still meets your need over that delay.
The benefit is payable once, so treat this as a supplement to a hospitalisation policy and not a substitute for one.
The plan pays only on first diagnosis of a listed condition as defined in the policy, so read the severity thresholds on heart attack, cancer and stroke before assuming a diagnosis will qualify.
Compare the 8-illness list against the Platinum Plan's 15 before choosing, since the Silver Plan excludes Parkinson's disease, Alzheimer's disease, benign brain tumour, end-stage liver failure, surgery of aorta, primary pulmonary hypertension and heart valve replacement or repair.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Elevate Health Insurance Plan VS VS |
Critical Illness Silver Plan Health Insurance Plan |
| 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 VS |
Critical Illness Silver Plan Not applicable. |
| ICU Charges |
|---|
Elevate No restriction on ICU room rent |
VS VS |
Critical Illness Silver Plan Not applicable — hospitalisation expenses are not indemnified under this policy |
| Co-payment |
|---|
Elevate Available as an option |
VS VS |
Critical Illness Silver Plan Not applicable |
| Disease-wise sublimits |
|---|
Elevate No |
VS VS |
Critical Illness Silver Plan Not applicable. |
| 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 VS |
Critical Illness Silver Plan Not applicable — the benefit is payable once, on first diagnosis |
| Cashless Healthcare Providers |
|---|
Elevate 10300+ Healthcare Providers |
VS VS |
Critical Illness Silver 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 |
| Daycare Treatment |
|---|
Elevate Covers medical expenses for treatments not requiring 24-hour hospitalization, up to annual sum insured |
VS VS |
Critical Illness Silver Plan Not applicable |
| 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 VS |
Critical Illness Silver Plan Not specified |
| AYUSH Treatment |
|---|
Elevate Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Critical Illness Silver Plan Not applicable |
| Consumable Cover |
|---|
Elevate No. However, available as an add-on |
VS VS |
Critical Illness Silver Plan Not applicable. |
| Initial Waiting Period |
|---|
Elevate 30 days |
VS VS |
Critical Illness Silver Plan 90 days |
| Specific Waiting Period |
|---|
Elevate 2 years |
VS VS |
Critical Illness Silver Plan Not specified. |
| PED Waiting Period |
|---|
Elevate 3 years |
VS VS |
Critical Illness Silver Plan 48 months for all pre-existing conditions declared and/or accepted at application |
| Modern Treatment |
|---|
Elevate Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
Critical Illness Silver Plan Not applicable — this is a fixed-benefit policy paying a lump sum, not an indemnity cover for treatment costs |
| Annual Health Checkup |
|---|
Elevate Health checkup is not included as part of base cover. However, available as an add-on |
VS VS |
Critical Illness Silver 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 |
| 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 VS |
Critical Illness Silver Plan Not applicable |
| Post-Hospitalisation |
|---|
Elevate You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it. |
VS VS |
Critical Illness Silver Plan Not applicable |
| Outpatient Department Cover (OPD Expense) |
|---|
Elevate OPD expense is not included as part of base cover. However, available as an add-on |
VS VS |
Critical Illness Silver Plan Not applicable |
| Deductible Option |
|---|
Elevate Not available |
VS VS |
Critical Illness Silver Plan Not applicable |
| Coverage Options |
|---|
Elevate Available sum insured options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr, ₹3 Cr and unlimited sum insured |
VS VS |
Critical Illness Silver Plan Not specified — cover is written per insured person; no individual/floater structure is stated |
| Claim Settlement Ratio |
|---|
Elevate 97.16% |
VS VS |
Critical Illness Silver Plan 97% approximately |
| Maternity Cover |
|---|
Elevate No. However, available as an add-on. |
VS VS |
Critical Illness Silver Plan Not covered. |
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.
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From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free
Insurance Plans Comparison
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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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Elevate vs Activ One Vytl
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Elevate vs Activate Booster Plan B
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Elevate vs Aspire Platinum+
Elevate vs Plus Complete
Elevate vs Reassure 2.0 Platinum+
Elevate vs Reassure 3.0 Elite
Elevate vs EquiCover
Elevate vs Enhance Super Top-up One
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Elevate vs Reassure 3.0 Select
Elevate vs Activ One VIP+
Elevate vs Red Carpet Senior Citizens
Elevate vs Super Surplus Gold
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Elevate vs Medicare Premier
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Elevate vs Health Recharge Super Top Up Plan
Elevate vs myHealth Suraksha Platinum
Elevate vs Supreme Value for Money
Elevate vs Supreme Enhance Two
Elevate vs Supreme Senior Super
Elevate vs Supreme Enhance
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Elevate vs Active Fit Preferred
Elevate vs LifeTime Health
Elevate vs Medicare
Elevate vs ProHealth Prime Active
Elevate vs ProHealth Prime Senior Elite
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Elevate vs Ultimate (Direct)
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Elevate vs Family Plus
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Elevate vs Health Shield 360 Retail
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Elevate vs Reassure 3.0 Black
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Elevate vs Senior First Platinum
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