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Overview
The ICICI Lombard Elevate plan is a comprehensive solution for all your healthcare expenses, including doctor's visits, diagnostic tests, medication bills, and hospitalization. It offers an unlimited sum insured limit and value-added services, with the freedom to choose from over 30 add-on covers.
The Elevate plan also provides health benefits like rewarding wellness points, teleconsultation, second opinions, pharmacy covers, domestic air ambulance services, and diagnostic tests for those who maintain a healthy lifestyle. Policyholders can enjoy in-built cover benefits along with optional covers by paying an additional premium. Add-on covers can be chosen based on individual healthcare needs.
Female policyholders also receive special benefits, including maternity coverage, and surrogate and oocyte donor hospitalisation benefits, which are detailed further on this page.
This page provides further details on the ICICI Lombard Elevate plan's eligibility criteria, benefits, coverage specifications, and exclusions.
Benefits of ICICI Lombard Elevate Health Insurance
Multiple Discounts
- Family Floater Discount: 15% discount if two adults are insured under the floater policy.
- Renewal Discount: Up to 30% discount on policy renewal, based on accumulated wellness points.
Network Advantage (Add-on)
Enjoy a 10% discount when treated at a preferred provider network hospital. For non-network hospitals, a mandatory 20% co-payment applies.
JumpStart Benefit (Add-on)
If this add-on is opted, Pre-Existing Diseases (PEDs) are covered from the 31st day, with no applicable waiting period.
Infinite Care (Add-on)
There is no cap on policy comprehensiveness; avail listed benefits without sub-limits.
- Stand-out benefit
- Wellness Program
- Health Assistance [HAT]
- Ambulance Assistance
- Discounts on services and products
Bariatric Surgery
The insurer will pay up to the sum insured for medically prescribed obesity management treatment.
Add-on Benefits
Multiple add-on cover options are available under this plan, including:
- Power booster (guaranteed super bonus)
- Chronic disease management program
- Maternity benefit and maternity waiting period reduction option
- Newborn baby cover
- Vaccination for newborn baby in the first year
- BeFit
- Worldwide cover and worldwide cover waiting period reduction option
- Claim protector
- Inflation protector
- Domestic air ambulance cover
- Convalescence benefit
- Nursing at home
- Compassionate visit
- Health check-up
- Critical illnesses cover
- Personal accident cover
- Voluntary co-payment
- Voluntary deductible
- Dependent accommodation benefit
- Durable medical equipment cover
- Tele-consultations
- Waiting period reduction (other than those listed under JumpStart)
- Specific illness waiting period reduction option
- Room modifier
- NRI Advantage - accidental emergencies cover for NRI
In-patient Hospitalization Cover
- Surrogate Mother Cover: Up to INR 5 Lakhs for 36 consecutive months of care (including postpartum care and hospitalization expenses) for an approved surrogate female, provided the insured has opted for a 3-year policy term and the surrogate completes a 30-day waiting period.
- Oocyte Donor Cover: Up to INR 5 Lakhs for hospitalization expenses and complications from oocyte retrieval procedures for an appointed oocyte donor, with a maximum coverage period of 12 months.
Exclusions
The following diseases or health conditions are permanently excluded under the ICICI Lombard Elevate Plan:
- Investigation and evaluation
- Rest cure, rehabilitation, and respite care
- Obesity and weight control management
- Sterility and infertility treatments
- Nuclear explosions, public riots, civilian unrest, and similar situations
- Hazardous or adventure sports
Certain diseases and treatments are covered under this plan after specific waiting periods:
- Pre-existing diseases (PEDs): 36 months
- Specified illness procedures: 24 months
- Hypertension, Diabetes, Cardiac Conditions: 90 days
- Worldwide coverage: 2 years (no waiting applicable for accidental hospitalization)
- Bariatric surgery: 24 months (up to 30 days if optional cover is opted)
- Maternity benefit: 24 months
Conclusion
The ICICI Lombard Elevate Health Insurance plan offers comprehensive healthcare benefits, including worldwide medical treatment, maternity, newborn care, and air ambulance services. This plan provides extensive coverage at affordable premiums, protecting you from unexpected medical emergencies. For more details or to resolve queries about the ICICI Lombard Elevate policy, contact us at 1800 4200 269.
