Insurance Plans Comparison
HDFC ERGO myHealth Suraksha Silver vs ICICI Lombard Elevate
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moremyHealth Suraksha Silver
myHealth Suraksha Silver
What Makes It Special:
myHealth Suraksha 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
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
Not available
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
![]() myHealth Suraksha Silver Health Insurance Plan VS VS |
![]() Elevate Health Insurance Plan |
| Room Rent |
|---|
myHealth Suraksha Silver 1% of Sum Insured per day, subject to a maximum of ₹5,000 per day (if Room Rent Restriction Option is selected) 2% of Sum Insured per day, subject to a maximum of ₹10,000 per day (if Room Rent Restriction Option is selected) |
VS 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) |
| Advanced Treatments |
|---|
myHealth Suraksha Silver All Advance Treatment are Covered |
VS VS |
Elevate Not Available |
| ICU Charges |
|---|
myHealth Suraksha Silver Not Available |
VS VS |
Elevate No restriction on ICU room rent |
| Co-payment |
|---|
myHealth Suraksha Silver Optional Co-payment available |
VS VS |
Elevate Available as an option |
| Disease-wise sublimits |
|---|
myHealth Suraksha Silver Not Available |
VS VS |
Elevate No |
| Waiting Period |
|---|
myHealth Suraksha Silver Initial Waiting Period: 30 Days Pre-existing Disease Waiting Period: 48 Months |
VS VS |
Elevate Not Available |
| Cashless Healthcare Providers |
|---|
myHealth Suraksha Silver Available through network hospitals |
VS VS |
Elevate 10300+ Healthcare Providers |
| Restoration Benefit |
|---|
myHealth Suraksha Silver Not Available |
VS 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) |
| Daycare Treatment |
|---|
myHealth Suraksha Silver Covered |
VS VS |
Elevate Covers medical expenses for treatments not requiring 24-hour hospitalization, up to annual sum insured |
| Cumulative Bonus |
|---|
myHealth Suraksha Silver Not Available |
VS 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) |
| AYUSH Treatment |
|---|
myHealth Suraksha Silver Covered |
VS VS |
Elevate Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Consumable Cover |
|---|
myHealth Suraksha Silver Not Available |
VS VS |
Elevate No. However, available as an add-on |
| Initial Waiting Period |
|---|
myHealth Suraksha Silver Not Available |
VS VS |
Elevate 30 days |
| Specific Waiting Period |
|---|
myHealth Suraksha Silver Not Available |
VS VS |
Elevate 2 years |
| PED Waiting Period |
|---|
myHealth Suraksha Silver Not Available |
VS VS |
Elevate 3 years |
| Modern Treatment |
|---|
myHealth Suraksha Silver Not Available |
VS VS |
Elevate Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
myHealth Suraksha Silver Not Available |
VS VS |
Elevate Health checkup is not included as part of base cover. However, available as an add-on |
| Pre-Hospitalisation |
|---|
myHealth Suraksha Silver Not Available |
VS 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 |
|---|
myHealth Suraksha Silver Not Available |
VS 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) |
|---|
myHealth Suraksha Silver Not Available |
VS VS |
Elevate OPD expense is not included as part of base cover. However, available as an add-on |
| Deductible Option |
|---|
myHealth Suraksha Silver Not Available |
VS VS |
Elevate Not available |
| Coverage Options |
|---|
myHealth Suraksha Silver Not Available |
VS 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 |
|---|
myHealth Suraksha Silver Not Available |
VS VS |
Elevate 97.16% |
| Maternity Cover |
|---|
myHealth Suraksha Silver Not Available |
VS VS |
Elevate No. However, available as an add-on. |
Insurance Plans Comparison
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Insurance Plans Comparison
Explore Insurance Category
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Frequently Asked Questions (FAQs)
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