Policy Overview
ICICI Lombard Elevate ek flexible health insurance policy hai, jisme ₹5 lakh se le kar “unlimited” tak sum insured options available hain.
No medical check-up required agar insured ki age 45 years se kam ho aur sum insured ₹10 lakh se kam ho.
Key Features (Base Coverage)
- Hospitalisation & Day-Care: Inpatient (24+ hours) aur daycare procedures cover hote hain.
- Pre & Post Hospitalisation: ₹90 din pehle aur ₹180 din baad ke expenses cover.
- AYUSH Treatment: Ayurveda, Yoga, Unani, Siddha, Homeopathy inpatient treatment included.
- Road Ambulance: Emergency road transport cover.
- Organ Donor Expenses: Donor ke hospitalisation expenses covered.
- Domiciliary Hospitalisation & Bariatric Surgery: Home-based hospitalisation (3+ days) aur obesity-related surgery included.
- Surrogate & Oocyte Donor Cover: Up to ₹5 lakh coverage.
- No Co-payment & No Sub-limits: Full coverage without splitting costs or disease-specific caps.
Special Add-On Benefits
Elevate policy ko customize karne ke liye kai high-value add-ons available hain:
- Infinite Care: Ek baar lifetime mein unlimited claim amount (only first 2 policy years).
- Power Booster (Super Loyalty Bonus): Har year 100% cumulative bonus up to unlimited; premium chahiye.
- Reset Benefit: Agar sum insured exhaust ho jaye, unlimited times reset hota hai.
- Jumpstart: Pre-existing conditions (like diabetes, hypertension, asthma) 30 din ke baad cover hote hain, agar declare kiye gaye ho.
- OPD+: Doctor consultations, diagnostic tests, pharmacy, mental health, dental & vision—IL TakeCare app ke through cashless cover.
- Worldwide Cover: Cashless hospitalisation abroad up to ₹3 crore; available with waiting period reduction.
- BeFit, Inflation Protector, Claim Protector, and more: Wellness programmes se le kar consumables cover tak—bohot saare options hain.
Other Highlights & Discounts
- Wellness-based Renewal Discount: Active lifestyle par up to 30% discount mil sakta hai renewals mein.
- Guaranteed Sum Insured Increase: Har year 100% increase in sum insured (subject to premium) again—independent of claims.
- Flexible Policy Tenure: 1, 2, or 3 calendar year policies.
- Tax Benefits: Section 80D ke under premium par deduction (₹25,000 for self/spouse/children; ₹50,000 for senior parents).
Eligibility Criteria
Entry Age: Minimum — 18 years (adult), 91 days (child). No maximum age limit.
Family Floater Option: Members ka joint sum insured hota hai; ₹10 lakh base cover me ₹3 lakh claim → ₹7 lakh balance.
Summary Table
| Feature Category | Base Coverage | Top Add-Ons (Optional) |
|---|---|---|
| Hospitalisation cover | Yes (inpatient, daycare) | — |
| Pre/Post Hospitalisation | 90 days / 180 days | — |
| Surrogacy & Oocyte | ₹5 lakh | — |
| Wellness & Discounts | Up to 30% renewal discount | BeFit, Wellness Riders |
| Sum Insured Growth | 100% per year | Power Booster (unlimited) |
| Reset Benefit | — | Reset Add-On (unlimited) |
| Jumpstart (PED cover) | After 3 years | Jumpstart (30 days) |
| Worldwide Hospitalisation | — | Worldwide Cover Add-On |
| OPD Cashless | — | OPD+ via IL TakeCare |
| Policy Term | 1–3 years | — |
Final Thoughts
ICICI Lombard Elevate plan is ideal for those who want a highly customizable and scalable health insurance solution—from basic hospitalisation to international coverage, wellness programs, and even surrogacy-related care.
Add-ons like Infinite Care, Jumpstart, Reset Benefit, OPD+, and Worldwide Cover let you build a robust plan tailored to your needs. But keep in mind, many of these benefits require extra premiums and some add-ons have specific conditions (e.g., Infinite Care only available in the first 2 policy years, Jumpstart needs 3 continuous years)
