Question 1

What is the minimum and maximum entry age for Elevate by ICICI Lombard Health Insurance?

Accepted Answer

The Elevate plan welcomes adults from 18 years and children from 91 days, with no strict upper age cut-off — acceptance depends on health declarations and underwriting at the time of application.

Question 2

Till what age can my child stay covered under Elevate?

Accepted Answer

Dependent children can remain covered under Elevate until 25 years of age, provided they’re unmarried and financially dependent on the primary insured member as per policy terms.

Question 3

Are unmarried children eligible under Elevate?

Accepted Answer

Yes, unmarried children are eligible for coverage under Elevate, subject to them meeting the age and dependency criteria specified in the policy document.

Question 4

Can I add a new family member later under Elevate?

Accepted Answer

Yes, you can add family members such as spouse, children or even parents at policy renewal or during qualifying events, subject to underwriting approval and plan conditions.

Question 5

Can my spouse and children be covered under a single sum insured in Elevate?

Accepted Answer

Yes, Elevate offers a family floater option which allows you, your spouse and dependent children to share one common sum insured for hospitalisation benefits.

Question 6

Can I cover my parents under Elevate?

Accepted Answer

Yes, parents and parents-in-law can be added to the Elevate plan, subject to age eligibility and underwriting requirements, enabling extended family protection.

Question 7

Can family members be added mid-term under Elevate?

Accepted Answer

Family members are generally added at policy renewal or after qualifying life events; mid-term additions are subject to insurer approval and underwriting conditions.

Question 8

What is the PED waiting period if I port to Elevate from another insurer?

Accepted Answer

When porting, the waiting period already served under your earlier health policy is credited, reducing the remaining time before eligibility for pre-existing conditions.

Question 9

Can I port my existing health policy to Elevate by ICICI Lombard Health Insurance?

Accepted Answer

Yes, you can port your existing policy to Elevate while retaining continuity benefits and waiting period credits, subject to underwriting acceptance and policy terms.

Question 10

What is the PED waiting period after porting into Elevate?

Accepted Answer

After porting, only the remaining waiting period must be served, considering the portion already completed under the previous policy.

Question 11

What unique benefits does Elevate by ICICI Lombard Health Insurance offer compared to other policies?

Accepted Answer

Elevate stands out with its flexible family floater options, comprehensive maternity cover, wellness benefits, optional OPD, chronic care and solid hospitalisation coverage.

Question 12

Does Elevate come with any disease-wise sub-limits?

Accepted Answer

Elevate generally doesn’t impose rigid disease-wise sub-limits on core hospitalisation benefits, allowing broader claim flexibility unless expressly stated.

Question 13

Are room rent or ICU charges capped in Elevate?

Accepted Answer

Elevate normally avoids harsh room rent or ICU sub-limits, enabling flexibility to choose reasonable room categories without proportional claim deductions.

Question 14

Is co-payment compulsory or optional under Elevate?

Accepted Answer

Co-payment may apply depending on age and underwriting terms, but it is usually optional and clearly defined under the policy document.

Question 15

Does Elevate offer a No-Claim Bonus (NCB)?

Accepted Answer

Yes, you earn a No-Claim Bonus that increases the sum insured for claim-free years, enhancing coverage value without proportionate premium increases.

Question 16

Does Elevate provide any loyalty bonus?

Accepted Answer

Loyalty benefits such as renewal rewards or wellness incentives may be included, encouraging long-term policy engagement and preventive health focus.

Question 17

Are preventive health check-ups included in all sum insured options under Elevate?

Accepted Answer

Yes, annual preventive health check-ups are included across all sum insured levels to encourage early detection and proactive health monitoring.

Question 18

Is there a grace period for renewing Elevate after expiry?

Accepted Answer

Yes, a grace period of about 30 days is provided post-expiry, allowing renewal without losing continuity benefits though coverage may temporarily pause.

Question 19

What are the available sum insured options under Elevate?

Accepted Answer

The plan offers a flexible range of sum insured options, allowing you to choose coverage amounts that balance your family’s healthcare needs with your budget.

Question 20

Does Elevate offer maternity and newborn benefits?

Accepted Answer

Yes, Elevate includes maternity and newborn benefits after the mandatory waiting period, helping cover delivery expenses and early postnatal care under defined plan conditions.

Question 21

Are pregnancy-related complications covered under Elevate?

Accepted Answer

Yes, pregnancy-related complications are covered once the maternity waiting period is served, and treatments meet the policy’s definition of medical necessity and eligibility.

Question 22

Are daycare procedures covered in Elevate?

Accepted Answer

Yes, medically necessary daycare procedures that don’t require 24-hour hospitalisation are covered under Elevate, making it practical for common treatments.

Question 23

Are pre- and post-hospitalisation expenses covered under Elevate, and for how many days?

Accepted Answer

The plan covers pre-hospitalisation costs for specified days before the hospital stay, and post-hospitalisation expenses for defined days afterward, linked to a covered admission.

Question 24

Does Elevate include OPD coverage?

Accepted Answer

Yes, Elevate provides optional OPD coverage that helps with outpatient doctor consultations, diagnostics and pharmacy expenses within defined limits.

Question 25

Are room rent or ICU charges capped under Elevate?

Accepted Answer

Elevate generally avoids strict room rent or ICU sub-limits, allowing you greater flexibility in choosing a suitable room category without losing coverage.

Question 26

Is chemotherapy covered under Elevate?

Accepted Answer

Yes, chemotherapy and related cancer treatments are covered under the plan when medically necessary and supported by documentation required under the policy.

Question 27

Are lifestyle diseases like diabetes or hypertension covered from day 1 under Elevate, or after a waiting period?

Accepted Answer

Lifestyle diseases are covered after completion of the applicable waiting period, and eligible hospitalisation expenses for those conditions become payable thereafter.

Question 28

Does Elevate include mental health treatments or counselling?

Accepted Answer

Yes, hospitalisation for mental health conditions is covered under Elevate, in line with regulatory guidelines and policy definitions for eligible inpatient care.

Question 29

Does Elevate cover AYUSH/alternative treatments?

Accepted Answer

Yes, recognised inpatient AYUSH treatments like Ayurveda, Homeopathy and Unani are covered when administered at accredited hospitals or treatment centres.

Question 30

Are diagnostic tests and pathology covered under Elevate?

Accepted Answer

Diagnostic tests and pathology are covered when they are part of an admissible hospitalisation claim or linked pre- and post-hospital care.

Question 31

Is ambulance service covered under Elevate, and what is the limit?

Accepted Answer

Ambulance charges are covered up to specified limits per hospitalisation when transportation is medically necessary and connected to a valid claim under the plan.

Question 32

Is organ donor surgery covered under Elevate?

Accepted Answer

Yes, organ donor surgery expenses are covered when medically necessary and related to an approved hospitalisation for organ donation or transplant.

Question 33

Are congenital conditions covered for children under Elevate?

Accepted Answer

Congenital external conditions are covered, while congenital internal conditions become eligible after serving applicable waiting periods defined under the policy.

Question 34

Does Elevate cover vaccinations for adults and children?

Accepted Answer

Routine vaccinations are not included as standard benefits. However, certain preventive vaccines might be covered under wellness benefits if included under the plan’s sub-limits.

Question 35

Does Elevate provide international coverage?

Accepted Answer

Elevate is designed to offer coverage primarily within India. International treatment coverage is generally not included unless specifically mentioned under optional riders.

Question 36

Are occupational hazards or accident-related injuries covered under Elevate?

Accepted Answer

Yes, accidental injuries, including those occurring due to occupational hazards, are covered under the plan subject to admissibility and policy terms.

Question 37

Are cosmetic or plastic surgeries covered under Elevate, and under what conditions?

Accepted Answer

Cosmetic or plastic surgeries are covered only when medically necessary due to accident, illness or congenital conditions, not for elective or aesthetic procedures.

Question 38

Does Elevate include chronic disease management support?

Accepted Answer

Yes, the plan includes support for managing chronic diseases, helping track and cover expenses for long-term conditions once waiting periods are served.

Question 39

Are wellness, fitness, or reward-based benefits included in Elevate?

Accepted Answer

Yes, Elevate includes wellness benefits such as preventive check-ups and fitness incentives designed to encourage healthy lifestyles and early detection.

Question 40

Does Elevate provide any death benefit?

Accepted Answer

No, Elevate does not offer a separate death benefit; it is focused on covering medical treatment and hospitalisation costs rather than mortality payouts.

Question 41

What are PEDs, and when are they covered under Elevate?

Accepted Answer

Pre-existing diseases are medical conditions present before policy purchase. Under Elevate, they become payable only after completing the specified waiting period.

Question 42

Is day-1 PED coverage available under Elevate?

Accepted Answer

No, day-one coverage for pre-existing diseases is not available. Such conditions become eligible for claims only after you serve the stipulated waiting period.

Question 43

What is the waiting period for PEDs under Elevate?

Accepted Answer

The waiting period for pre-existing diseases under Elevate is typically 36 months from policy inception, after which related expenses become eligible.

Question 44

Does ICICI Lombard offer top-up or super top-up options along with Elevate?

Accepted Answer

Yes, ICICI Lombard provides top-up and super top-up health plans that can be linked with Elevate to enhance overall coverage limits seamlessly.

Question 45

Does Elevate offer cashless hospitalisation?

Accepted Answer

Yes, Elevate provides cashless hospitalisation at network hospitals, subject to pre-authorisation and compliance with policy terms for eligible treatments.

Question 46

How long does ICICI Lombard take to approve cashless claims for Elevate?

Accepted Answer

Cashless approvals are typically processed quickly once pre-authorisation requests and required documentation are submitted by the hospital on your behalf.

Question 47

What documents are required to file a claim under Elevate?

Accepted Answer

Documents usually include a completed claim form, hospital bills, discharge summary, prescriptions, test results, identity proof and any other papers requested by the insurer.

Question 48

Is pre-authorisation mandatory for hospitalisation under Elevate?

Accepted Answer

Yes, pre-authorisation is mandatory for planned hospitalisation if you want cashless benefits, while emergency admissions must be notified within the specified time frame.

Question 49

How many claims can I make in one policy year under Elevate?

Accepted Answer

There’s no fixed limit on claims in a year, as long as the total claimed amount remains within the available sum insured and complies with policy terms.

Question 50

Is the hospital network list available for Elevate, and can I avail treatment outside the network?

Accepted Answer

Yes, a network hospital list is available for cashless care, and you can get treatment outside the network via reimbursement submission under the plan’s claim conditions.

Question 51

What is the claim settlement ratio of ICICI Lombard Health Insurance for Elevate?

Accepted Answer

ICICI Lombard maintains a strong claim settlement performance, reflecting reliable processing, timely payouts, and consistent service quality across health insurance customers.

ICICI Lombard Elevate

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Expert Review: ICICI Lombard Elevate

Final Verdict

What Is Elevate?

Elevate

Insurer Rating

8.88

Insurance Rating

8

Additional Benefits (Informational Only — Not part of score)

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ICICI Lombard Elevate Inclusions and Exclusions

Post-Hospitalisation

Maternity Cover

Co-payment

AYUSH Treatment

Disease-wise sublimits

Restoration Benefit

Consumable Cover

PED Waiting Period

Annual Health Checkup

Outpatient Department Cover (OPD Expense)

Deductible Option

Coverage Options

Initial Waiting Period

ICU Charges

Claim Settlement Ratio

Pre-Hospitalisation

Specific Waiting Period

Modern Treatment

Daycare Treatment

Room Rent

Cumulative Bonus

Cashless Healthcare Providers

Exclusions

Elevate Add-Ons and Riders

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