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 9000 network hospitals with sum insured up to ₹50 lakhs.

97.16

Claim Settlement Ratio

9000

Network Hospitals

0

Customer Rating

Policy Brochure

Get a Quote

97.16

Claim Settlement Ratio

9000

Network Hospitals

0

Customer Rating

Policy Brochure

Our Verdict

Expert Review: ICICI Lombard Elevate (Direct)

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 Elevate (Direct)

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,...

Elevate (Direct) Ratings

Ratings: ICICI Lombard Elevate (Direct)

Insurer Rating

0

out of 10

Insurance Rating

8

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

Yes

Unlimited Restoration

Yes

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

Yes

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of ICICI Lombard Elevate (Direct)

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

Cashless Healthcare Providers

Cashless Facility Available

Waiting Period

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

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

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

NRI 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...

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...