ICICI Lombard Elevate
ICICI Lombard
8.8/10
OneAssure Rating
8.8/10
OneAssure Rating
Highlighted Features
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
Advanced Treatments
Includes stem cell therapy, robotic surgeries, oral chemotherapy, deep brain stimulation, bronchial thermoplasty, and IONM, ensuring access to cutting-edge medical technologies for critical and complex conditions.
Brochure
Policy Wording
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Our 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.
About the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
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
ICU Charges
No restriction on ICU room rent
Disease-wise sublimits
No
Co-Payment
Available as an option
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
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.
Consumable Cover
No. However, available as an add-on
Initial Waiting Period
30 days
Specific Waiting Period
2 years
PED Waiting Period
3 years
Modern Treatments
Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period
Annual Health Checkup
Health checkup is not included as part of base cover. However, available as an add-on
Daycare Treatment
Covers medical expenses for treatments not requiring 24-hour hospitalization, up to annual sum insured
AYUSH Treatment
Covers AYUSH treatment expenses up to your annual sum insured during the policy period
Pre-Hospitalisation
You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved
Post Hospitalisation
You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it
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
Cashless Healthcare Providers
10300+ Healthcare Providers
Coverage Options
Available sum insured options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr, ₹3 Cr and unlimited sum insured
Claim settlement ratio
88.50%
Maternity Cover
No. However, available as an add-on
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.
Exclusions
Convalescence Benefit - Provides a ₹10,000 lump sum if hospitalized for 10 consecutive days or more
Maternity Waiting Period Reduction - Option to reduce maternity waiting period from 2 years to 1 year
Personal Accident Cover - Offers financial protection against accidents leading to death or disability
Worldwide Coverage - Extends health insurance benefits to treatments abroad
BeFit Benefit - Covers outpatient department (OPD) expenses, including doctor consultations, pharmacy costs, lab tests, physiotherapy sessions, diet & nutrition e-consultation and other minor procedures
Power Booster - Provides a 100% cumulative bonus for an infinite period, enhancing your sum insured
Reset Benefit - Allows unlimited restoration of the sum insured during the policy period
Inflation Protector - Adjusts your sum insured annually to keep pace with medical inflation
Claim Protector - Covers consumable costs like gloves, syringes, and medical supplies, etc. which are usually not included in base coverage
NRI Advantage - Provides accidental emergency cover for Non-Resident Indians during visits to India
Room Modifier - Allows you to upgrade to any room category without restrictions or downgrade room eligibility to twin sharing
Add-ons
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About the Company
ICICI Lombard is a leading private sector general insurance company in India, offering a comprehensive range of products, including health, motor, travel, and home insurance, through multiple distribution channels.
Their Elevate Health Policy is a customizable health insurance plan designed to provide extensive coverage for hospitalization and daycare treatments. Key features include unlimited reset of the sum insured, cashless approval within two hours, and a 30% discount on renewals for active living. Additionally, the plan offers a 100% increase in the sum insured every year and unlimited sum insured on any one claim during the policy lifetime, ensuring policyholders have access to necessary medical care without financial strain.
CEO and MD of ICICI Lombard general insurance company limited, Mr Sanjeev Mantri ensures that their vision and values align with providing a financial cushion to the policyholders during any health crisis.
About the Company
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