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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 hospitalization 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.
| PLAN DETAILS |
Icici Lombard Elevate Plan |
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Bajaj Health Guard Plan |
| Product Type | Individual and Family Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
10600 | 18400 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Covered | Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Applicable |
| Plan Entry Age | Child: 91 days - 30 years, Adult: 18 years - No limit | 18 Years to Lifelong |
| Plan Premium Entry Age and S/A | 4,000 | 5500 |
| Plan Waiting Period | 30 | 30 Days |
| Plan Coverage | Hospitalization expenses, pre post expenses (90–180 days), daycare treatments, AYUSH treatment, organ donor cover, ambulance and air ambulance | - |
| Plan Sample Premium | 4,000 | 5500 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1, 2, 3 years | 1 | 2 | 3 Years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Not Covered | Covered |
| Automatic Restoration | Covered | Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Covered | Not Covered |
| Air Ambulance | Covered | Covered |
| Global Coverage | Covered | Not Covered |
| Claim Ratio | 97.16 | 99.23 |
| Solvency Ratio | 2.69 | 3.25 |
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