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 10601 network hospitals with sum insured up to ₹50 lakhs.

97.16

Claim Settlement Ratio

10601

Network Hospitals

8.8

Customer Rating

Get a Quote

97.16

Claim Settlement Ratio

10601

Network Hospitals

8.8

Customer Rating

Our Verdict

Expert Review: ICICI Lombard Health Insurance

Final Verdict

ICICI Elevate offers extensive coverage with excellent features. It includes unlimited restoration and waiver of waiting periods for chronic conditions like cholesterol, diabetes, and hypertension. There is no capping on modern treatments, ensuring comprehensive medical coverage.The plan offers add-ons such as the Power Booster, which provides a 100% sum insured increase on renewal every year without capping. Additionally, policyholders can opt for an unlimited sum insured option, an industry-first feature. A discount is also available for customers with a good CIBIL score, making it a financially rewarding choice.

ICICI Elevate offers extensive coverage with excellent features. It includes unlimited restoration and waiver of waiting periods for chronic conditions like cholesterol, diabetes, and hypertension. There is no capping on modern treatments, ensuring comprehensive medical coverage. The plan offers add-ons such as the Power Booster, which provides a 100% sum insured increase on renewal every year without capping. Additionally, policyholders can opt for an unlimited sum insured option, an industry-first feature. A discount is also...

About

About ICICI Lombard Health Insurance

The ICICI Lombard Elevate Health Insurance Plan offers extensive coverage with unique benefits. It includes surrogacy treatment coverage, providing up to ₹5 lakhs for expenses related to the surrogate mother and oocyte donor. The plan features unlimited sum insured options, the Infinite Care Benefit for unlimited claim amounts, and the Power Booster Benefit, which offers a 100% cumulative bonus. The Reset Benefit restores the sum insured for unrelated illnesses, while the Jumpstart Benefit covers pre-existing diseases like diabetes and hypertension after 30 days. It also covers maternity expenses, outpatient care, and provides a 25% discount for NRIs. With its wide-ranging features, it is a comprehensive and flexible insurance solution for individuals and families.

The ICICI Lombard Elevate Health Insurance Plan offers extensive coverage with unique benefits. It includes surrogacy treatment coverage, providing up to ₹5 lakhs for expenses related to the surrogate mother and oocyte donor. The plan features unlimited sum insured options, the Infinite Care Benefit for unlimited claim amounts, and the Power Booster Benefit, which offers a 100% cumulative bonus. The Reset Benefit restores the sum insured for unrelated illnesses, while the Jumpstart Benefit covers pre-existing...

Inclusions and Exclusions

Inclusions and Exclusions of ICICI Lombard Insurance Company Limited

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.

AYUSH Treatment

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

Disease-wise sublimits

No

Co-payment

Available as an option

Coverage Options

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

Deductible Option

Not available

PED Waiting Period

3 years

Consumable Cover

No. 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

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

Annual Health Checkup

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

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

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

Specific Waiting Period

2 years

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.

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

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.

AYUSH Treatment

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

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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

Specific Illness Waiting Period Reduction

2 hours Hospitalisation

Jump Start

Worldwide Waiting Period Reduction

Cibil Discount

Inflation Protector

Voluntary Co-payment

Nursing at Home

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.

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...

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.