Will my health insurance cover treatment abroad?

The standard policy does not include coverage for treatments abroad. However, with the optional Worldwide Cover add-on, global treatment expenses are covered, subject to policy terms.

What happens if I don’t use my health insurance benefits for the entire year?

Policyholders receive a guaranteed cumulative bonus of 20% for each claim-free year, up to a maximum of 100% of the sum insured

How does the waiting period affect my coverage?

The policy imposes a 30-day initial waiting period for hospitalizations, excluding accidents. Specific illnesses have a 2-year waiting period, and pre-existing diseases are covered after 3 years.

OneAssure

Health Insurance

ICICI Lombard

Elevate

ICICI Lombard Elevate

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

8.8

Customer Rating

Policy Policy Wording

Policy Brochure

Get a Quote

97.16%

Claim Settlement Ratio

9000+

Network Hospitals

8.8

Customer Rating

Policy Policy Wording

Policy Brochure

Our Verdict

Expert Review: ICICI Lombard Elevate

Final Verdict

Elevate is worth considering if you want broad hospitalisation coverage with useful long-term benefits such as Loyalty Bonus and an unlimited-trigger Reset Benefit. Its standard coverage includes modern treatments, AYUSH hospitalisation, daycare and 180 days of post-hospitalisation expenses, while optional covers allow the policy to be tailored further. However, the 36-month PED waiting period and the Single Private AC Room limit under the standard cover are important considerations. Several attractive features, including maternity, OPD through BeFit, worldwide treatment, waiting-period reductions and Power Booster, are optional and may require additional premium.

Elevate is worth considering if you want broad hospitalisation coverage with useful long-term benefits such as Loyalty Bonus and an unlimited-trigger Reset Benefit. Its standard coverage includes modern treatments, AYUSH hospitalisation, daycare and 180 days of post-hospitalisation expenses, while optional covers allow the policy to be tailored further. However, the 36-month PED waiting period and the Single Private AC Room limit under the standard cover are important considerations. Several attractive features, including maternity, OPD through...

About

About ICICI Lombard Elevate

Elevate is a comprehensive health insurance plan covering hospitalisation, daycare treatment, modern treatments, AYUSH hospitalisation, domiciliary hospitalisation and donor expenses, subject to policy terms. The standard In-patient Treatment benefit includes room rent up to a Single Private AC Room and ICU charges, while pre-hospitalisation and post-hospitalisation expenses are covered for 90 and 180 days respectively. The plan also provides a 20% Loyalty Bonus each Policy Year, up to 100% of the Annual Sum Insured, and a Reset Benefit of up to 100% that can be triggered unlimited times subject to conditions. Optional covers can add benefits such as maternity, OPD...

Elevate is a comprehensive health insurance plan covering hospitalisation, daycare treatment, modern treatments, AYUSH hospitalisation, domiciliary hospitalisation and donor expenses, subject to policy terms. The standard In-patient Treatment benefit includes room rent up to a Single Private AC Room and ICU charges, while pre-hospitalisation and post-hospitalisation expenses are covered for 90 and 180 days respectively. The plan also provides a 20% Loyalty Bonus each Policy Year, up to 100% of the Annual Sum Insured, and...

Elevate Ratings

Ratings: ICICI Lombard Elevate

Insurer Rating

8.88

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

Post-Hospitalisation

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it.

Maternity Cover

No. However, available as an add-on.

Co-payment

Available as an option

AYUSH Treatment

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Disease-wise sublimits

No

Restoration Benefit

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

Consumable Cover

No. However, available as an add-on

PED Waiting Period

3 years

Annual Health Checkup

Health checkup is not included as part of base cover. However, available as an add-on

Outpatient Department Cover (OPD Expense)

OPD expense is not included as part of base cover. However, available as an add-on

Deductible Option

Not available

Coverage Options

Available sum insured options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr, ₹3 Cr and unlimited sum insured

Initial Waiting Period

30 days

ICU Charges

No restriction on ICU room rent

Claim Settlement Ratio

97.16%

Pre-Hospitalisation

You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved

Specific Waiting Period

2 years

Modern Treatment

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Daycare Treatment

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to annual sum insured

Room Rent

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

Cumulative Bonus

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.

Cashless Healthcare Providers

10300+ Healthcare Providers

Post-Hospitalisation

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it.

Maternity Cover

No. However, available as an add-on.

Co-payment

Available as an option

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

Specific Illness Waiting Period Reduction

2 hours Hospitalisation

Jump Start

Worldwide Waiting Period Reduction

Cibil Discount

Inflation Protector

Voluntary Co-payment

NRI Discount

Insurance Premium Calculator

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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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...

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.