What is ICICI Lombard Elevate policy?

In today’s world, the rising costs of medical care are an unavoidable reality. From initial doctor visits to lab tests and pharmacy bills, the cumulative expenses of comprehensive treatment can become overwhelming.

ICICI Lombard's Elevate policy is here to support you throughout your health journey with a policy designed to cater to your needs at all stages. This health insurance policy offers flexibility in terms of sum insured and a wide range of add-on covers to choose from. Enjoy value-added services including reward points for healthy habits, video/tele consultation(s), pharmacy and diagnostic services, online chat with doctors, second opinions, and more. Additional benefits include pre-existing disease cover, domestic and air ambulance, and convalescence benefits.

Top reasons to buy Elevate health insurance

• Hospitalization & day care treatment cover

• Unlimited reset of sum insured

• Cashless Everywhere (cashless treatment at any hospital in India)

• Up to 30% discount on renewals for staying active

• 100% sum insured increase every year, irrespective of claims

• Unlimited coverage for any 1 claim of your choice during policy lifetime

• AYUSH treatment covered up to sum insured

• Pre & post hospitalization expenses from 90 days until 180 days

• Road & air ambulance covered up to sum insured

• Customizable waiting periods'

• Cashless OPD services like ordering medicines, booking lab tests, etc. (with additional premium)

• Cashless hospitalization worldwide

What value additions does the Elevate policy offer?

Infinite care - Unlimited coverage for any one claim of your choice during your policy lifetime, ensuring reliable coverage whenever you need it the most.

Power booster (Super loyalty bonus) - Each policy year, earn a cumulative bonus of up to 100% of your annual sum insured (expiring or renewed sum insured, whichever is lower).

Reset benefits - If your remaining sum insured isn’t enough for a claim, it will reset to the base sum insured for future claims—and this can happen unlimited times.

Worldwide covary - Get coverage up to INR 3 crore on a cashless basis for hospitalization abroad, including planned treatments. Top this up with the Worldwide cover waiting period reduction option and you can access the benefits of this cover in just a year instead of 2 years.

Jumpstart - Reduces the waiting period to just 30 days for treatments and conditions like asthma, diabetes, and hypertension, as long as they’re declared when you buy the policy.

OPD+ - With this rider, you get cashless coverage for outpatient care—doctor consultations, diagnostics, mental health, pharmacy, dental care, vision care, and more—via the IL Take Care app, up to your chosen sum insured. The best part? There’s no capping on sum insured, and you get unlimited teleconsultations and mental health counselling too.

What’s included and what’s

Benefits Covered

• Inpatient Treatment

• Daycare Procedure

• Technological advancements and Treatments

• Pre & Post Hospitalization

• In patient AYUSH Hospitalization

• Loyalty Bonus

• Bariatric Surgery

• Reset Benefit

• Domestic Road Ambulance

• Donor Expenses

• Wellness Program

• In patient Hospitalization (Surrogate and Oocyte Donor)

Add On Benefits

• Infinite Care

• Power Booster (Super loyalty Bonus)

• Chronic disease Management

• Maternity Benefit

• New Born Baby Cover

• Vaccination for new born baby in first year

• Befit

• Worldwide Cover

• Claim Protector

• Inflation Protector

• Domestic Air Ambulance Cover

• Nursing At Home

• Compassionate Visit

• Health Check-Up

• Personal Accident

• Voluntary Co-Payment

• Voluntary Deductible

• Dependent Accommodation Benefit

• Durable Medical Equipment Cover

• Waiting Period Reduction ( Other than those listed in Jumpstart)

• Maternity Waiting Period Reduction

• Specific Illness Waiting Period Reduction

• Worldwide Cover Waiting Period Reduction

• Room Modifier

• Network Advantage

• NRI Advantage ( Accidental Emergency Cover for NRI)

• Tele consultation(s) (Unlimited Times)Z

Key features of Elevate policy - maternity cover

This covers maternity care expenses for expectant mothers and their newborns.

• This covers pre and post-natal expenses as per policy terms

• There's a waiting period of 24 months from the time this cover is opted for.

• Applicable to all or any female Insured person between age 18 to 50 years as selected by proposer.

• Available for your spouse provided both are covered under the same family floater Policy.

How can you buy Elevate policy online

Get quote

Share your basic details, including the number of family members, their ages, and your contact information.

Pick policy

Choose a policy with the sum insured that best suits your needs.

Pay

Complete the payment for your family's insurance and get started.