ICICI Lombard Elevate
ICICI Lombard Health Insurance
8.6/10
OneAssure Rating
8.6/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU) Coverage
Covers a single private AC room for hospitalization. ICU coverage is not applicable, so policyholders should confirm alternative intensive care options.
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 (Normal & ICU)
Normal: Single Private AC Room
ICU: Not Applicable
Advanced Treatments
Stem Cell Therapy
Robotic surgeries
Oral Chemotherapy
Deep Brain Stimulation
Bronchial Thermoplasty
IONM-(Intra Operative Neuro Monitoring)
Co-payment
Co-Payment of 20% will be applicable on each and every claim.
Waiting Periods
Waiting Period of 24 Months from the date of inception of the first policy.
Waiting Period will be reduced to 90 Days if the Insured Person is opted for Add-ons.
Cashless Healthcare Providers
9,500+ Healthcare Providers.
Day Care Treatments
Covered. Requires Hospitalization as an inpatient for less than 24 hours in Hospital.
AYUSH Treatment
It is Covered up to SI.
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 and pharmacy bills.
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 - Ensures your cumulative bonus remains unaffected even after a claim.
NRI Advantage - Provides accidental emergency cover for Non-Resident Indians during visits to India.
Add-ons
Looking for a Specific Hospital ?
Why OneAssure?
We help you maximize your coverage over time for stronger protection.
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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