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ICICI Elevate Health Insurance Policy

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What is the Elevate Health Insurance Policy?

The increasing expenses of medical care, covering everything from doctor appointments to lab tests and prescription costs, have become an unavoidable reality in today’s society. The overall financial burden of comprehensive treatment can quickly become overwhelming for many individuals.

ICICI Lombard's Elevate policy is specifically tailored to provide comprehensive support for your health needs. With a flexible sum insured and an array of add-on covers, the policy ensures that you have the necessary coverage at every stage of your health journey. Additionally, it offers various value-added services such as reward points for healthy habits, video/teleconsultation, pharmacy and diagnostic services, online chats with doctors and second opinions, among others.

In addition to those benefits, the insurance plan also offers coverage for pre-existing medical conditions, flexibility in choosing healthcare providers and the option for domestic or air ambulance services. Moreover, it provides rehabilitation benefits to help clients recover from illness or injury.
 

Elevate Health Policy Specifications

Specification

Details

Policy Name

Elevate Health Insurance

Provider

ICICI Lombard

Key Features

  • Personalized coverage plans powered by Artificial Intelligence
  • Unlimited insurance coverage
  • Unlimited claim amount
  • 100% cumulative bonus
  • Reset cover amount benefit
  • 30-day waiting period for pre-existing conditions coverage
  • Fitness discounts in wellness programmes
  • Increased sum insured yearly to protect against inflation
  • Coverage for non-payable claim expenses

Target Audience

Seeking comprehensive health insurance with customizable options and high coverage limits

Add-ons Available

  • Unlimited claim limit
  • Unlimited bonus
  • Reset Benefit
  • Jumpstart
  • Wellness Program
  • Inflation Protector
  • Claim Protector

Waiting Period

30 days for general conditions

30 days coverage for pre-existing diseases with Jumpstart add-on

Premium Payment

Coverage and add-ons determine the cost, but no specific amounts are provided

Unique Selling Proposition

AI integration improves health insurance experiences and speeds up claim processing

Overall Benefits

Full coverage, flexible claims and wellness rewards for a healthier life

Recent Launch

July 2024

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Coverage Benefits of ICICI Elevate Health Insurance Policy

The coverage benefits offered by the ICICI Elevate health insurance policy are as follows.

FeatureDetails

Hospitalization & Day Care Treatment Cover

Full hospitalization and daycare coverage

Unlimited Reset of the Sum Insured

Unlimited sum insured resets allowed

Cashless Approval

Cashless claims approved in 2 hours

Renewal Discount

30% discount on renewals when you continue to lead an active lifestyle

Annual Sum Insured Increase

Annual 100% increase in the coverage amount

Unlimited Sum Insured on Claims

No claim limit for each claim throughout the policy duration

AYUSH Treatment Coverage

AYUSH treatments covered up to the sum insured amount

Pre & Post-Hospitalization Expenses

Covers medical expenses incurred 90 days before hospitalization and continues to provide coverage for 180 days post-hospitalization

Ambulance Services

Coverage for both road and air ambulances up to the sum insured amount

Customizable Waiting Periods

Customizable waiting periods for individual needs

OPD Benefits

Additional premium offers outpatient department benefits

ICICI Elevate Health Insurance Policy Inclusions

  • Domestic Road Ambulance
  • Wellness Program
  • Inpatient AYUSH Hospitalisation
  • Bariatric Surgery
  • Guaranteed Cumulative Bonus
  • Daycare Procedure
  • Reset Benefit
  • Pre & Post Hospitalisation
  • Modern Treatment
  • Inpatient Treatment
  • Donor Expenses
  • In-patient Hospitalization (Surrogate and Oocyte Donor)

 

Add-On Benefits

  • Worldwide Cover
  • Nursing At Home
  • Maternity Benefit
  • Claim Protector
  • Compassionate Visit
  • Chronic Disease Management
  • Personal Accident
  • Health Check-Up
  • Vaccination for Newborn Babies in the First Year
  • New Born Baby Cover
  • BeFit
  • Power Booster (Super Guaranteed Bonus)
  • Dependent Accommodation Benefit
  • Domestic Air Ambulance Cover
  • Voluntary Co-Payment
  • Voluntary Deductible
  • Room Modifier
  • Network Advantage
  • NRI Advantage (Accidental Emergency Cover for NRI)
  • Teleconsultation (Unlimited Times)
  • Inflation Protector
  • 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

ICICI Elevate Health Insurance Policy Waiting Periods

  • Hospitalizations are not covered in the first 30 days, except for accidents
  • 1 to 2-year waiting period for specific illnesses before claiming
  • 3-year waiting period for pre-existing diseases in the policy
  • Hospitalizations for diabetes, hypertension and cardiac conditions are not covered if not diagnosed as PEDs at purchase

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ICICI Elevate Health Insurance Claim Process

The ICICI Lombard Elevate health insurance plan offers comprehensive coverage with an infinite claim amount and sum insured restoration benefit. Here's a step-by-step guide on how to file a claim under this policy.

Cashless Claim Process

Reimbursement Claim Process

  1. During hospitalization, show your ICICI Lombard e-health card and a government-issued ID card at any of the 6500+ network hospitals 
  2. TPA will help with the claim form and the ICICI Lombard team will handle the rest
  3. Your cashless claim will be assessed and you will receive an update about your treatment within 1 hour of the claim’s receipt
  4. At discharge, pay what is not covered by the policy and the rest will be settled by ICICI Lombard
  1. Pay the full bill amount at the non-network hospital and collect all the documents
  2. Submit your reimbursement claim through the IL TakeCre app, WhatsApp or by sending hospitalization documents with the filled claim form to the specified address
  3. ICICI will ensure your claim is processed and completed within 8 days of your registration
  4. Track your claim status through the IL TkeCre app, WhatsApp or the ICICI Lombard website

Other Insurance Plans

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ICICI Elevate Health Insurance Contact Details

  • IL TakeCare App - Use the IL TakeCare app to manage insurance and wellness needs, while maintaining control over the policies.
  • Download the IL TakeCare App Ask RIA - Download the IL TakeCare APP and use RIA (Responsive & Intelligent Assistant) for seamless solutions.
  • Connect with RIA ICICI Lombard on WhatsApp - Chat with RIA ICICI Lombard on WhatsApp at 7738282666 for services and conversations.

Best Health Insurance Plans In India

When it comes to the best health insurance, there is no “one-size-fits-all” policy. It is like choosing a Netflix or OTT plan - different plans offer different benefits and have different costs. However, this age is designed to meet the diverse needs of most users, making it a versatile and comprehensive health insurance comparison page.

It is essential to conduct a thorough comparison to find the policy that best suits your needs. We have created a comprehensive table of how some of the top mediclaim policies in India compare to others in the industry.

Insurance Provider Plan Name Coverage Type Sum Insured Range Age Limit (Adults) Important Parameters
Care Advantage Health Insurance Plan Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
 Check Premium
ICICI Elevate Health Insurance Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
 Check Premium
IFFCO Tokio Family Health Protector Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
 Check Premium
Niva Bupa Aspire Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
 Check Premium
Arogya Supreme Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
 Check Premium
TATA AIG Medicare Lite Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
 Check Premium

Frequently Asked Questions (FAQs)

A.

ICICI Lombard Elevate is a robust health insurance plan provided by ICICI Lombard. It aims to offer broad coverage for hospitalization expenses as well as pre and post-hospitalization costs, meeting various medical needs. 

A.

This plan provides extensive health insurance coverage, making it a great option for individuals and families. It is especially advantageous for individuals with pre-existing conditions or those worried about increasing medical expenses.

A.

When choosing add-on covers for your Elevate policy, it is important to consider your individual healthcare needs as well as your budget. For instance, if you're thinking about starting a family, having maternity cover can be extremely useful. Additionally, if you have worries about potential critical illnesses, having a critical illness cover can offer you financial protection and peace of mind.

A.

The policy document provides a comprehensive list of exclusions, offering detailed information on what is not covered by the insurance. If you require further clarification, we recommend reaching out to the ICICI Lombard customer support team for additional assistance and to ensure that you have a clear understanding of your coverage.

A.

Health insurance premiums, such as those for Elevate, can go up at renewal due to various factors such as age, inflation and claim history. It is important to review and understand any changes in premiums to make informed decisions about your health insurance coverage.

A.

The minimum entry age for adults to purchase the ICICI Elevate plan is 18 years while children can be enrolled as young as 91 days old. This flexibility allows individuals to secure insurance coverage at different stages of their lives.

A.

You can easily access your ICICI health insurance details by following the simple steps mentioned below:

  • Go to the official website of ICICI Lombard.
  • Use your registered mobile number and OTP to log into your account. 
  • Go to “Health Insurance” for policy details, claim status and coverage.

You can also reach out to their customer service or visit a nearby branch for in-person help

A.

The ICICI Lombard Elevate Plan with the Power Booster Rider is a solid choice for insurance coverage as it offers a generous maximum bonus of up to 100% of the sum insured. This bonus can enhance the overall coverage, making it an attractive option for long-term security.

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