ICICI Lombard Elevate Health Insurance Plan
Elevate is a premium health insurance policy offering extensive coverage, flexibility, and unique benefits. It is ideal for individuals or families looking for comprehensive protection with customizable options.
🔹 Key Features
• Flexible Entry Age: 18 to 125 years
• Sum Insured Options: ₹5 lakh to ₹3 crore, including Unlimited Sum Insured
• Policy Tenure: 1, 2, 3, 4, or 5 years
• Family Floater: Covers 2 adults + 3 children
• Sum Insured Options: ₹5 lakh to ₹3 crore, including Unlimited Sum Insured
• Policy Tenure: 1, 2, 3, 4, or 5 years
• Family Floater: Covers 2 adults + 3 children
🔹 Comprehensive Coverage
• In-Patient Hospitalization (IPD): Covers hospitalization costs including room rent, ICU, surgeon fees, and other hospital expenses.
• Day Care Procedures: Covers treatments and surgeries not requiring 24-hour hospitalization. Includes inbuilt 2-hour hospitalization benefit and option to reduce waiting period from 2 years to 1 year for day care surgeries.
• Pre & Post-Hospitalization: Expenses incurred before (up to 90 days) and after (up to 180 days) hospitalization.
• Organ Donor Expenses: Covers donor’s medical costs during transplantation.
• Domiciliary Hospitalization: Home-based treatment when hospital admission is not possible.
• AYUSH Treatment: Covers Ayurveda, Yoga, Unani, Siddha, and Homeopathy treatments.
• Road Ambulance: Emergency transportation to hospital.
• Reset Benefit: Automatic restoration of sum insured after exhaustion.
• Surrogacy & Oocyte Retrieval: Coverage for related medical procedures.
• Bariatric Surgery: Medically necessary weight-loss surgeries covered.
• Day Care Procedures: Covers treatments and surgeries not requiring 24-hour hospitalization. Includes inbuilt 2-hour hospitalization benefit and option to reduce waiting period from 2 years to 1 year for day care surgeries.
• Pre & Post-Hospitalization: Expenses incurred before (up to 90 days) and after (up to 180 days) hospitalization.
• Organ Donor Expenses: Covers donor’s medical costs during transplantation.
• Domiciliary Hospitalization: Home-based treatment when hospital admission is not possible.
• AYUSH Treatment: Covers Ayurveda, Yoga, Unani, Siddha, and Homeopathy treatments.
• Road Ambulance: Emergency transportation to hospital.
• Reset Benefit: Automatic restoration of sum insured after exhaustion.
• Surrogacy & Oocyte Retrieval: Coverage for related medical procedures.
• Bariatric Surgery: Medically necessary weight-loss surgeries covered.
🔹 Add-On Covers
• Infinite Care: Provides unlimited sum insured for any one claim during the policy term.
• Inflation Protector: Adjusts sum insured to keep pace with medical inflation.
• Power Booster: Increases sum insured by 100% annually, even if claims are made.
• Domestic Air Ambulance: Covers emergency air transport within India.
• Jumpstart: Reduces waiting period for five specific pre-existing conditions:
• Blood Pressure (BP)
• Diabetes
• Asthma
• Cholesterol
• Obesity
• Claim Protector: Covers non-payable items such as gloves, syringes, PPE kits.
• Room Modifier: Allows upgrading hospital room category.
• Maternity Benefit: Covers normal and C-section deliveries after 24-month waiting.
• Newborn Baby Cover: Covers hospitalization expenses for newborns up to 90 days.
• Annual Health Check-Up: Routine preventive health checks.
• Nursing at Home: Post-hospitalization nursing services reimbursed at ₹2,000/day, up to 10 days.
• Inflation Protector: Adjusts sum insured to keep pace with medical inflation.
• Power Booster: Increases sum insured by 100% annually, even if claims are made.
• Domestic Air Ambulance: Covers emergency air transport within India.
• Jumpstart: Reduces waiting period for five specific pre-existing conditions:
• Blood Pressure (BP)
• Diabetes
• Asthma
• Cholesterol
• Obesity
• Claim Protector: Covers non-payable items such as gloves, syringes, PPE kits.
• Room Modifier: Allows upgrading hospital room category.
• Maternity Benefit: Covers normal and C-section deliveries after 24-month waiting.
• Newborn Baby Cover: Covers hospitalization expenses for newborns up to 90 days.
• Annual Health Check-Up: Routine preventive health checks.
• Nursing at Home: Post-hospitalization nursing services reimbursed at ₹2,000/day, up to 10 days.
🔹 Waiting Periods
• Initial: 30 days
• Pre-Existing Diseases (PED): 36 months (Jumpstart reduces for 5 specific conditions only)
• Specific Diseases: 24 months
• Critical Illness: 90 days
• Bariatric Surgery: 24 months
• Maternity: 24 months
• Pre-Existing Diseases (PED): 36 months (Jumpstart reduces for 5 specific conditions only)
• Specific Diseases: 24 months
• Critical Illness: 90 days
• Bariatric Surgery: 24 months
• Maternity: 24 months
🔹 Why Choose ICICI Lombard Elevate?
• Comprehensive Coverage: Extensive protection for a wide range of medical expenses.
• Customizable Options: Tailor your policy with optional add-ons.
• Global Coverage: Cashless treatment at 10,200+ network hospitals across India.
• Wellness Benefits: Annual health check-ups and fitness program discounts.
• Pre-Existing Disease Coverage: Reduce waiting periods for select conditions.
• Customizable Options: Tailor your policy with optional add-ons.
• Global Coverage: Cashless treatment at 10,200+ network hospitals across India.
• Wellness Benefits: Annual health check-ups and fitness program discounts.
• Pre-Existing Disease Coverage: Reduce waiting periods for select conditions.
🔹 Insurance Mart Recommendation
We recommend ICICI Lombard Elevate for individuals and families seeking flexible, future-ready health coverage. With features like Reset Benefit, Power Booster, Jumpstart, and 2-hour hospitalization coverage, combined with an extensive hospital network, this policy ensures protection against rising healthcare costs and multiple claims in a single policy year.
