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Insurance Plans Comparison

ICICI Lombard Elevate (Direct) vs Star Family Health Optima

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

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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.

VS
Star

Family Health Optima

Family Floater Health Insurance with Hospitalisation Benefits

What Makes It Special:

Family Health Insurance

Best For:

  • Customers comparing restoration and loyalty bonus benefits.

  • Families wanting eligible AYUSH treatment and preventive health check-ups.

  • Customers seeking pre- and post-hospitalisation benefits.

  • Families looking for hospitalisation and daycare coverage.

  • Families seeking health insurance under a single floater Sum Insured.

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 (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.

Star Family Health Optima

  • Check the policy limits for specific treatments and benefits.

  • Review pre- and post-hospitalisation coverage.

  • Check the restoration and loyalty bonus conditions.

  • Understand the 24-month specific disease waiting period and 36-month pre-existing disease waiting period.

  • Review the 30-day initial waiting period.

  • Check the shared accommodation benefit and applicable limits.

  • Review the 20% co-payment applicable to insured persons aged 61 and above at entry.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Elevate (Direct)
Elevate (Direct)

Health Insurance Plan

Brochure

Policy Wording

VS
Family Health Optima
Family Health Optima

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Elevate (Direct)

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

VS

Family Health Optima

  1. Shared accommodation is covered within the applicable policy limits.
ICU Charges

Elevate (Direct)

Covered as per applicable policy terms and eligible room category.

VS

Family Health Optima

Covered as part of eligible hospitalisation expenses, subject to policy terms.

Co-payment

Elevate (Direct)

Voluntary co-payment available as optional cover.

VS

Family Health Optima

20% of each claim for insured persons whose age at entry is 61 years or above.

Disease-wise sublimits

Elevate (Direct)

Not Available.

VS

Family Health Optima

Sublimits apply to specified benefits and treatments, subject to policy terms.

Cashless Healthcare Providers

Elevate (Direct)

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

VS

Family Health Optima

Cashless treatment is available at eligible network hospitals, subject to authorisation and policy conditions.

Restoration Benefit

Elevate (Direct)

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

VS

Family Health Optima

100% of the Sum Insured is restored up to three times in a policy year, subject to policy conditions.

Daycare Treatment

Elevate (Direct)

Eligible day-care procedures covered under base plan.

VS

Family Health Optima

Eligible daycare procedures are covered, subject to policy terms.

Cumulative Bonus

Elevate (Direct)

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

VS

Family Health Optima

Loyalty Bonus is available for eligible Sum Insured options, subject to renewal conditions and policy limits.

Consumable Cover

Elevate (Direct)

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

VS

Family Health Optima

Not specified.

AYUSH Treatment

Elevate (Direct)

In-patient AYUSH hospitalisation covered up to applicable SI

VS

Family Health Optima

Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered up to the Sum Insured, subject to policy terms.

Initial Waiting Period

Elevate (Direct)

30 days from policy start for specified illnesses.

VS

Family Health Optima

  1. 30 days, except for accidents.
Specific Waiting Period

Elevate (Direct)

24 months for specified diseases.

VS

Family Health Optima

24 months for specified diseases and procedures.

PED Waiting Period

Elevate (Direct)

36 months for pre-existing diseases.

VS

Family Health Optima

36 months for pre-existing diseases.

Modern Treatment

Elevate (Direct)

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

VS

Family Health Optima

  1. Specified modern treatments are covered, subject to policy limits.
Annual Health Checkup

Elevate (Direct)

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

VS

Family Health Optima

Preventive health check-up at network providers, according to the applicable Sum Insured and package.

Pre-Hospitalisation

Elevate (Direct)

Up to 90 days before hospitalisation for eligible expenses.

VS

Family Health Optima

Covered for up to 60 days before hospital admission.

Post-Hospitalisation

Elevate (Direct)

Up to 180 days after hospitalisation for eligible expenses.

VS

Family Health Optima

Covered for up to 90 days after discharge.

Outpatient Department Cover (OPD Expense)

Elevate (Direct)

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

VS

Family Health Optima

Not specified.

Deductible Option

Elevate (Direct)

Voluntary deductible available as optional cover.

VS

Family Health Optima

Not specified.

Coverage Options

Elevate (Direct)

Flexible SI options including unlimited sum insured option.

VS

Family Health Optima

Family Floater.

Claim Settlement Ratio

Elevate (Direct)

Not publicly specified on official product page.

VS

Family Health Optima

Insurer-level metric, not a policy benefit.

Maternity Cover

Elevate (Direct)

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

VS

Family Health Optima

Not specified.

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?

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Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

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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

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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

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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