What is the waiting period for pre-existing diseases?

The standard pre-existing disease waiting period is 36 months. Customers can reduce this waiting period using the Jumpstart add-on, which can provide coverage from the 31st day for eligible conditions.

What is Infinite Reset?

Infinite Reset restores up to 100% of the annual sum insured unlimited times for any illness during the policy period. This ensures multiple claims do not exhaust available coverage.

Does Elevate offer treatment outside India?

Yes. The Worldwide Cover add-on provides access to medical treatment outside India with coverage up to ₹3 Crore, depending on the selected option and policy terms.

What is Infinite Assurance?

Infinite Assurance is available through the Jumpstart add-on and allows coverage for certain pre-existing conditions from the 31st day, subject to underwriting and policy terms.

OneAssure

Health Insurance

ICICI Lombard

Elevate (Direct)

Experience India's most trusted health insurance with ICICI Lombard Health Insurance. Get instant cashless treatment at 10601 network hospitals with sum insured up to ₹50 lakhs.

97.16

Claim Settlement Ratio

10601

Network Hospitals

0

Customer Rating

Get a Quote

97.16

Claim Settlement Ratio

10601

Network Hospitals

0

Customer Rating

Our Verdict

Expert Review: ICICI Lombard Health Insurance

Final Verdict

Elevate is a highly flexible health insurance plan offering worldwide medical coverage, unlimited restoration benefits, AI-based personalization, and one of the widest add-on selections available in the market.

About

About ICICI Lombard Health Insurance

ICICI Lombard Elevate is a customizable health insurance plan that combines core hospitalization benefits with a wide range of optional add-ons. The policy covers inpatient hospitalization, daycare procedures, AYUSH treatment, domiciliary hospitalization, organ donor expenses, ambulance services, and modern treatments. Its standout features include Worldwide Cover, Infinite Reset, Infinite Claim Amount, Infinite Assurance for pre-existing disease coverage, and AI-powered coverage personalization. Customers can further enhance protection through maternity, critical illness, nursing at home, personal accident, chronic disease management, and wellness-related add-ons.

ICICI Lombard Elevate is a customizable health insurance plan that combines core hospitalization benefits with a wide range of optional add-ons. The policy covers inpatient hospitalization, daycare procedures, AYUSH treatment, domiciliary hospitalization, organ donor expenses, ambulance services, and modern treatments. Its standout features include Worldwide Cover, Infinite Reset, Infinite Claim Amount, Infinite Assurance for pre-existing disease coverage, and AI-powered coverage personalization. Customers can further enhance protection through maternity, critical illness, nursing at home, personal accident,...

Inclusions and Exclusions

Inclusions and Exclusions of ICICI Lombard Insurance Company Limited

Room Rent

Normal: Single Private AC Room
ICU: Covered up to Annual Sum Insured

Advanced Treatments

Technological Advancements & Modern Treatments
Bariatric Surgery
Worldwide Medical Treatment (Add-on)

Co-payment

No mandatory co-payment

Waiting Period

Initial Waiting Period: 30 Days
Pre-existing Disease Waiting Period: 36 Months

Cashless Healthcare Providers

Cashless Facility Available

Daycare Treatment

Covered up to Annual Sum Insured

AYUSH Treatment

Covered

Room Rent

Normal: Single Private AC Room
ICU: Covered up to Annual Sum Insured

Advanced Treatments

Technological Advancements & Modern Treatments
Bariatric Surgery
Worldwide Medical Treatment (Add-on)

Co-payment

No mandatory co-payment

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Exclusions

Injuries or diseases resulting from war, invasion, or warlike operations are not covered.
Illnesses due to nuclear, chemical, or biological attacks or weapons are excluded from coverage.
Expenses for prosthetics, corrective devices, and external durable medical equipment (e.g., wheelchairs, crutches) are excluded unless required due to an accident or during surgery.
Procedures related to natural teeth and gums are not covered, except when hospitalization is required due to an accident.
Expenses related to sterility and infertility treatments are excluded from the policy coverage.

Add ons

Add-Ons

Power Booster

Cibil Discount

Tele Consultation

Co-Payment

Critical Illness

Nursing at Home

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About the company

ICICI Lombard General Insurance is one of India’s leading private sector insurers, known for providing reliable and comprehensive insurance solutions. It is a joint venture between ICICI Bank, one of India’s largest private banks, and Fairfax Financial Holdings, a global financial services group. Established in 2001, ICICI Lombard has grown rapidly and now serves millions of customers across the country. The company offers a wide range of products, including health, motor, travel, home, and personal accident insurance, catering to individuals, families, and businesses. Its health insurance offerings include regular health plans, super top-up plans, critical illness cover, and personal accident plans, all designed to provide financial protection against unexpected medical expenses. ICICI Lombard stands out for its customer-focused approach, quick and transparent claim settlement, and...

ICICI Lombard General Insurance is one of India’s leading private sector insurers, known for providing reliable and comprehensive insurance solutions. It is a joint venture between ICICI Bank, one of India’s largest private banks, and Fairfax Financial Holdings, a global financial services group. Established in 2001, ICICI Lombard has grown rapidly and now serves millions of customers across the country. The company offers a wide range of products, including health, motor, travel, home, and personal...