icici lombard health elite plus plan
ICICI Lombard Health Insurance
9.0/10
OneAssure Rating
9.0/10
OneAssure Rating
Highlighted Features
Advanced Treatments
Covers oral chemotherapy, robotic surgeries, and stem cell therapy, ensuring access to cutting-edge medical procedures.
Room Rent (Normal & ICU)
Fully covered up to the sum insured, allowing flexibility in choosing hospital accommodations, including ICU.
Brochure
Policy Wording
Explore more features
Our Verdict
The Health Elite Plus plan offers extensive coverage, advanced treatments, and global care access. Ideal for individuals seeking high-end healthcare. Optional co-payment lowers premiums, but full coverage may be costly.
About the Plan
Health Elite Plus is a comprehensive health insurance plan offering full coverage for room rent (including ICU) up to the sum insured. It includes advanced treatments like oral chemotherapy, robotic surgeries, and stem cell therapy. Policyholders can opt for 10% or 20% co-payment to lower premiums. The plan provides access to 67,000+ cashless healthcare providers and covers day care procedures. Additionally, it includes AYUSH treatments at government-recognized institutions, ensuring flexible and extensive medical coverage for policyholders.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
Normal: Covered Up to Sum Insured
ICU: Covered up to sum insured
Advanced Treatments
Oral chemotherapy
Robotic surgeries
Stem cell therapy
Co-payment
Insured can choose 10% or 20% co-payment, allowing cost-sharing for lower premium expenses.
Waiting Periods
Initial Waiting Period: 30 Days
24 months for specific diseases
36 months for pre-existing conditions.
Cashless Healthcare Providers
10,000+ Cashless Healthcare Providers
Day Care Treatments
Covers procedures requiring less than 24-hour hospitalization, like cataract surgery and chemotherapy.
AYUSH Treatment
Coverage for Ayurveda, Yoga, Unani, Siddha, and Homeopathy at government-recognized institutions.
Exclusions
Pre-existing conditions are not covered for the first 36 months from policy issuance.
No coverage for any illness (except accidents) during the first 30 days of the policy.
Cosmetic and aesthetic procedures like plastic surgery, cosmetic implants, and weight-loss treatments are excluded unless medically necessary.
Injuries caused by self-inflicted harm, suicide attempts, drug abuse, or alcohol consumption are not covered.
Non-allopathic treatments beyond AYUSH therapies at government-recognized institutions are excluded.
Infertility treatments, including IVF, surrogacy, and sterilization procedures, are not covered.
Injuries resulting from war, nuclear radiation, or participation in hazardous activities like adventure sports are excluded.
Exclusions
No Co-payment Option - Policyholders can opt to remove co-payment, ensuring 100% claim settlement without out-of-pocket expenses.
Enhanced Room Rent Coverage - Upgrade to higher-category rooms without limits beyond the sum insured.
OPD Cover - Covers outpatient consultations, diagnostic tests, and prescribed medications, reducing out-of-pocket medical expenses.
Maternity & Newborn Cover - Provides financial support for maternity expenses and newborn care, including vaccinations.
International Treatment Cover - Covers specified treatments abroad, ensuring access to global healthcare facilities.
Wellness Benefits - Rewards for maintaining good health through regular check-ups, fitness activities, and preventive healthcare.
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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