Elevate ICICI Lombard Health Insurance

4.5

Paybima Rating

Policy Brochure

Policy Wording

Claim Form

Planning to have a health insurance plan? Well, you should. Why? Because emergencies don't come with warnings. Today, you look fine; tomorrow, you might be dealing with hospital bills that look like your phone number. From sudden illnesses to unexpected accidents and rising medical expenses, health insurance these days is no longer a luxury but a basic necessity of life. Think of it as a financial shield for days when even short hospital stays can drain your savings.

ICICI Lombard's Elevate health insurance plan acts as a lifesaver in such times. Not only does it allow you to customise your protection, but it also offers infinite benefits that help you access quality care and treatment. Furthermore, it is powered by AI, which enables it to understand your inputs and provide tailored coverage recommendations accordingly. This means your policy is tailored to your specific needs and financial abilities.

Highlights of ICICI Lombard - Elevate

Claim Settlement Ratio – 99.7%

NCB* - up to 50%

PED Waiting# - up to 48 months

Network Hospital – 40,000+

You get to choose a sum insured of up to ₹3 crores.

Allows you to take advantage of credit score-based premium discounts, including wellness discounts, long-term tenure discounts, and early renewal discounts.

Offers infinite assurance and infinite reset.

Comes with a super loyalty bonus that can be availed with a simple power booster add-on.

Access to a wide range of wellness features like an exercise tracker, mental health support, OPD claims, etc., with the IL TakeCare app.

Get all your insurance related queries answered

ICICI Lombard Elevate Health Insurance Plan: Highlights

Here are some of the highlights of the ICICI Lombard Elevate Health Insurance Plan:

Particulars	Details
Policy Name	ICICI Lombard Elevate Health Insurance Plan
Insurance Company	ICICI Lombard General Insurance Company
Sum Insured Options	₹5 lakhs to ₹3 crores
Add-Ons	Worldwide Coverage NRI Advantage Chronic Disease Management Program Power Booster JumpstartDomestic Air Ambulance Cover Infinite Care Compassionate Visit Senior Care Value-Added Services 2 Hours Hospitalisation Claim Protector Dependent Accommodation Benefit New Born Baby Cover Maternity BenefitInflation Protector Durable Medical Equipment Cover Health Check-Ups Be-fit Room ModifierTele-ConsultationsCritical Illness Voluntary Co-payment Personal Accident Nursing at HomeConvalescence BenefitReduction in Maternity Waiting PeriodVaccinations for New Born Baby in the First Year
Entry age	Minimum entry age for adults: 18 years Minimum entry age for a child: 91 daysMaximum entry age: 125 years
Policy Tenure Options	1 year 2 year3 year4 year5 year
Waiting period	Initial waiting period: 30 days PED waiting period: 36 monthsWaiting period for specific diseases: 24 monthsWaiting period for critical illnesses: 90 daysWaiting period for bariatric surgery: 24 monthsWaiting period for diabetes, chronic, and HTN conditions: 90 daysMaternity waiting period: 24 months
Suited for	Individuals as well as families

Wish to Enhance Your Coverage? Take a look at the Riders Available with the ICICI Lombard Elevate Health Insurance Plan

As mentioned earlier, ICICI Lombard Elevate comes with a bunch of add-ons to make your policy more comprehensive and well-rounded. Here are some add-ons you might need to look out for.

Add-on Covers	Details
Global Cover	With this add-on, you gain access to advanced healthcare treatment and coverage of up to ₹3 crores, even outside India. A 2-year waiting period is applied, which can be further reduced with an additional add-on.
NRI Advantage	With the NRI advantage add-on, Non-Resident Indians can avail of a 25% discount on their premiums for treatments while they are here. You also get special discounts on each policy renewal.
Claim Protector	Allows coverage for non-payable items like gloves, syringes, and masks up to the sum insured.
Inflation Protector	This add-on ensures an increase in your sum insured based on the inflation rate of the previous year.
Power Booster	With the Power Booster Super Loyalty Bonus, you get a bonus of up to 100% no matter what your claims have been.
Jumpstart	This add-on provides coverage for pre-existing conditions, including asthma, diabetes, hypertension, obesity, and more, starting from just 31 days.
Maternity Benefit	Offers coverage of up to 10% of annual SI with a waiting period of 24 months.
New Born Baby Cover	This add-on extends coverage of up to 90 days of hospitalisation.
Air Ambulance Cover	With air ambulance cover, air ambulance services can be availed for emergency transfers of the insured to the nearest or most suitable health institutions.
Chronic Disease Management Program	With this add-on, you gain access to a cashless program and receive special care related to health concerns such as hypertension, asthma, and diabetes.
Be-Fit	With this rider, you gain access to wellness services, including physiotherapy, diagnostics, and more, all on a cashless basis, directly through the IL mobile app.
Critical Illness	Offers coverage for around 20 critical illnesses for adults ages between 18 to 50 years old.
Voluntary Co-Payments	With this add-on, you get to add co-payment options of up to 10%, 20%, 30%, 40%, and 50%.
Room Modifier	Allows you to upgrade or downgrade your room as per your choice and comfort.
Senior Care Value-Added Services	Additional care and services like online consultations, physiotherapy, and more for senior citizens aged 55 and more.

Features and Benefits of the ICICI Lombard Elevate Health Insurance Plan

When it comes to healthcare, you need to choose what's best for you, no compromises, no settlements. ICICI Lombard Elevate health insurance plan is designed with the same goal. It aims to be by your side throughout your comprehensive treatment, from doctor visits to pharmaceuticals. The motto is simple: to cater to you at all stages. Here are some features and benefits of the Elevate plan. That makes it work like magic.

Wide Coverage

One of the primary things that comes to mind while buying health insurance is whether it offers adequate coverage that protects you in all circumstances. ICICI Lombard Elevate health insurance is quite a safe bet as it is a comprehensive plan that offers wide coverage. It offers basic cover extending to donor expenses, inpatient treatment, daycare procedures, inpatient AYUSH treatment, wellness programs, and much more.

Furthermore, it offers a range of add-ons, including worldwide coverage and NRI advantage, as well as claim protector and inflation protector, which can make your policy more customised.

Multiple Sum Insured and Tenure Options

With the Elevate Health Insurance Plan, you also get the benefit to choose from a variety of sum insured options starting from ₹5 lakhs to ₹3 crores. Meaning you choose and adjust your policy based on your financial abilities. Further, you also get to choose from multiple tenure options, from 1 year to 5 years.

Infinite Reset

Another amazing benefit of ICICI Lombard Elevate is that you get reset benefits with the same. This means you get to refill up to 100% of your coverage an infinite times. This ultimately means you do not have to worry about multiple claims a year.

Infinite Claim Amount

This one might sound like a dream, but it isn't. With a simple infinite care add-on, you get a one-time infinite claim for your selected claim.

Variety of Add-Ons

The policy comes with a variety of riders, including worldwide coverage, power booster, claim protector, inflation protector, NRI advantage, and much more. With these add-ons, you can enhance the coverage of your policy and make it more personalised as per your needs and requirements.

Peace of Mind

One of the primary benefits of purchasing an Elevate health insurance plan is that you're financially protected against a range of health emergencies. You get quality and uncompromised treatment without worrying about financial constraints. Not only does it help you recover, but it also offers peace of mind to you and your family.

ICICI Lombard Elevate Health Insurance Plan: What is Covered?

Here is a list of basic coverage offered under the Elevate health insurance plan.

In-Patient Treatment

Room rent for a single AC room and hospitalisation costs of up to the sum insured are covered.

Inpatient AYUSH Hospitalisation

Medical treatments related to homoeopathy, allopathy, and AYUSH treatments are covered.

Day Care Treatment

Daycare expenses of up to the sum insured are also covered.

Domiciliary Hospitalisation

Given that a medical treatment is advised by a practitioner and lasts for at least three days, the expenses are covered.

Donor Cover

All expenses related to the donor during organ harvesting and surgery are covered.

Pre and Post-Hospitalisation

Medical expenses from 90 days before hospitalisation and 180 days after hospitalisation are also covered.

Domestic Road Ambulance

Coverage of road ambulance for the transfer of the insured to the nearest healthcare.

Bariatric Surgery

Hospitalisation costs for the insured obesity surgery and treatment are also under basic coverage.

Health Assistance

Assistance to the insured in understanding their health condition, treatment, and more.

Wellness Program

Discounts of up to 20% can be availed of by each adult on policy renewals through the wellness program.

Surrogacy and Oocyte

Offers coverage for surrogate mothers’ inpatient treatment and oocyte donors.

Technological Advancements and Treatments

Medical costs for specific treatments using advanced technology are also covered.

Product Discounts

Product discounts on the IL app using your policy details.

ICICI Lombard Elevate Health Insurance Plan: What is Not Covered?

Here is a list of exclusions under the ICICI Lombard Elevate policy.

Expenses Related to PEDs During the Waiting Period

Any medical expenses or treatment costs related to PEDs during the waiting period are not covered.

Expenses Related to Specific Diseases During the 24 Months

Any expenses related to specific diseases, such as endometriosis, cataracts, and hysterectomy, are not covered for a 24-month waiting period.

Pros & Cons of ICICI Lombard - Elevate Health Insurance

This is a comprehensive plan offering hospitalization and daycare treatment coverage among other covers

The policy also offers unlimited reset of the sum insured

The policy offers cashless approval in a quick period of 2 hours

It comes with a 30% discount on Renewal for Active Living

It also comes with a 100% SI increase every year and unlimited SI on any one claim during a policy lifetime

The policy has a room rent restriction of up to a single private room

It comes with a meager loyalty bonus of 20% to 100%

The policy doesn’t cover expenses related to pre-existing diseases within the waiting period

Treatment expenses related to specified diseases are not covered for the first 24 months of the policy

Our Verdict on ICICI Lombard Elevate Health Insurance Plan

ICICI Lombard health insurance plans have always been absolute favourites. The reason behind this is quite simple: the coverage is flexible, the benefits are unlimited, and you have a variety of options to choose from. Plus, with a vast network of around 10,500+ healthcare providers, you have access to quality care anywhere you need.

The company also offers 24*7 customer support, which ensures all your questions regarding your condition, treatment, and policy coverage are answered adequately. Furthermore, the IL TakeCare app elevates wellness services to the next level with online teleconsultations, prompt claim notification, and additional features.

ICICI Lombard Elevate is a suitable choice for enjoying quality care with unlimited resets and loyalty benefits to help you cover your medical bills wisely. Plus, you can easily get this policy at affordable premiums. If you haven’t done it already, get your health insurance policy from Paybima today!

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ICICI Lombard - Elevate
Health Insurance Company

ICICI Lombard Health Insurance Company Ltd is a leading private general insurance company that offers a range of comprehensive and well-diversified products through multiple channels of distribution. This customer-centric company has a legacy of over 2 decades and is committed to its loyal customers. ICICI Lombard has over 312 branches with over 13,670 employees as of March 31, 2024. The insurer has issued over 36.2 million policies, honored over 2.9 million claims, and has a Gross Written Premium (GWP) of ₹255.94 billion for the year ended March 31, 2024.

Founded in

2001

Number of Claims

2.9 million claims paid

Number of Policies

36.2 million

Turnover (GWP)

INR 255.94 billion

JV Partners

ICICI Bank & Fairfax Financial Holdings Limited

Claims Experience

Claims Experience Rating 4.7

% of claims settled in less than 30 days
Reflects on the speed of settling valid claims

99.74%

% of Complaints received on overall claims
% customers unhappy with claims experience

0.13%

Claims Incurred Ratio

77.33%

Claim Settlement Ratio (No. of claims)
What % of the claims received were paid?

99.7%

No. of Cashless Hospitals

40,000+

Benefits of ICICI Lombard - Elevate Health Insurance

In-patient Hospitalization
ICU Rent Limit	Up to single private AC roo
Room Rent Limit	Covered
Pre & Post Hospitalization
Post-hospitalization expenses are covered	up to the Sum Insured
Post-hospitalization expenses are covered for up to	180 days after the date of discharge from the hospital
Pre-hospitalization expenses covered	up to the Sum Insured
Pre-hospitalization expenses covered up to	90 days before hospitalization
Day Care Treatment
Financial Limit	Up to sum insured
No. of treatments covered	Basic and modern treatments

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Ask Anything as We Have Answers to Everything in Insurance

Yes, you can buy an ICICI Lombard Elevate policy to cover each member of your family.

The minimum age limit for taking this policy is 18 years, and there is no maximum age limit.

Yes, you can switch to ICICI Lombard by writing an application and filling the portability form.

Yes. You can avail of Tax benefits for health insurance premium payments.

In the ICICI Lombard Elevate health insurance plan, the family floater policy can be extended to cover up to 2 adults and 3 children.

The major difference between basic coverage and policy add-ons can be found as to when they are added. For instance, basic coverage is automatically included in the plan. However, add-ons can be availed as per your choice and your medical requirements.