ICICI Lombard has launched ICICI Lombard Elevate Plan. ICICI Elevate plan is an AI powered unlimited health insurance plan that offers access to an endless claim amount and limitless sum insured alternatives.
As a revolutionary product, granting you the power to customise your protection and express your infinite care in ways never possible before.
Multiple add-on benefits enhance the beauty of the product. Just add customised benefits (as per your requirements).
Table of Contents
ICICI Lombard Elevate Plan: Key Highlights
| Categories | Highlights |
| Sum Insured | Min: 5 lakh Max: Unlimited |
| Policy Tenure | 1 year, 2 years, 3 years |
| Pre-policy Medical Check-ups | Not required for below 45 years and ₹10 lakh SI |
| Pre-existing Diseases Waiting Period | 3 years |
| Discount | Up to 30% wellness discount Up to 15% tenure discount |
ICICI Lombard Elevate Plan Eligibility Criteria
The Eligibility criteria for ICICI Lombard Elevate plan are given below:
| Parameters | Eligibility Criteria |
| Minimum Entry Age | Adult – 18 years, Child – 91 days |
| Maximum Entry Age | Adult – No age limit |
| Coverage Type | Individual/ family Floater |
| Renewability | Lifetime |
What is Covered in ICICI Lombard Elevate Plan
Check out some of the ICICI Lombard Elevate plan benefits below:
| In-patient Treatment | in-patient hospitalization of at least 24 hours. |
| Room Rent | Room Rent charges up to Single Private AC room |
| Day Care Procedures/Treatment | Covers Day care procedures that require hospitalization of less than 24 hrs. |
| Modern Treatments | 12 modern treatments are covered that includes robotic surgeries, stem cell therapy and oral chemotherapy. |
| Pre-hospitalization Medical Expenses | Medical expenses covered for up to 90 days before hospital admission. |
Post-hospitalization Medical Expenses | Medical expenses covered for up to 180 days AFTER hospital admission. |
| In-patient AYUSH Hospitalization | In-patient treatment at an AYUSH hospital or day care centre. |
| Domiciliary Hospitalization | Domiciliary Hospitalization expenese are covered ( at least 3 consecutive days) |
| Donor Expenses | It covers the hospitalization expenses incurred by the donor while donating the organ for the transplant surgery of the insured. |
| Domestic Road Ambulance | Original cost is covered |
| In-patient Hospitalization for Surrogate Mother | in-patient hospitalization expenses incurred by the surrogate mother due to pregnancy and post-partum delivery complications |
| In-patient Hospitalization for Oocyte Donor | covers the in-patient hospitalization expenses incurred by the oocyte donor due to oocyte retrieval complications |
| Bariatric Surgery Cover | Covers hospital expenes for obesity treatment surgery |
Benefits of ICICI Lombard Elevate Plan
| Infinite Sum Insured | with infinite Sum insured, you will never run out of cover |
| Unlimited Claim Amount ( infinite care benefit) | With infinite care benefits, policyholders can claim unlimited medical expenses once in the lifetime policy period. The cover is regardless of the sum insured. (Need to buy this cover in the first two policy years only) |
| Waiting period -Pre Existing Illness Cover ( with JumpStart optional cover) | 30 Days only( For obesity, hypertension, coronary artery disease, diabetes, asthma and hyperlipidemia)The cover must be opted for a period of three consecutive policy years. |
| Unlimited Restoration for Sum Assured ( Reset Benefit) | sum insured is restored by 100% unlimited times a year from second claim. The second claim should not be for the same disease treatment ( within 45 days of relapse). Reset Benefit will not be carried forward to any subsequent Policy Years. |
| Wellness Discount- (on accumulating 9000 wellness points) | Get If you earn a discount of up to 30% on renewal premiums if you accumulate a minimum of 9000 wellness points. |
| wellness services | you get wellness services,such as health assistance team, ambulance assistance and discounts on medical services and products |
| Guaranteed Cumulative Bonus | 20% guaranteed cumulative bonus of each claim free year.Sum Assured is increased upto 100%. |
| Tax Benefits | You can claim the tax benefit U/S 80D |
Optional Add-on Covers
- Infinite Care – Infinite care offer unlimited claim coverage ( once in policy lifetime) for in-patient hospitalization, daycare procedures and in-patient AYUSH treatment. Drawback– Infinite care can be taken only once in the policy lifetime.
- Power Booster -Buy Power Booster If you want a 100% cumulative bonus to add in your sum assured. The sum assured can be accumulated for up to an unlimited sum insured amount( if no claims have been filed in the previous policy year).
- JumpStart – If you need a reduced waiting period of 30 days to cover pre-existing diseases such as asthma, diabetes, hypertension, obesity, hyperlipidemia and coronary artery disease, Buy Jumpstart benefit.
- Chronic Disease Management Program –Chronic Disease Management requires Multiple counseling. Buy this program to avail health assistance, dietician & nutrition counseling, lifestyle modification counseling, two annual health check-ups in case of pre-existing hypertension, asthma, obesity, coronary artery disease, diabetes and hyperlipidemia.
- Maternity Benefit – To cover maternity-related expenses during pregnancy, delivery, pre-natal and post-natal expenses coverage, opt for Maternity Benefit cover. ( expenses will be covered within the 10% of Annual Sum Insured subject to a maximum of INR 1 Lakhs).
- Newborn Baby Cover – It pays for the hospitalization expenses incurred on the treatment of the newborn baby.
- Vaccinations for Newborn Baby in the First Year – Opt For medical expenses incurred on the vaccinations of the newborn baby until the age of one year
- BeFit Benefit – It provides coverage for physical consultations, pharmacy costs, e-counselling, routine diagnostic & minor procedures, diet & nutrition e-consultation and physiotherapy sessions on a cashless basis.
- Worldwide Cover -If you need global coverage for planned or emergency hospitalization,(including the USA and Canada.)
- Claim Protector – Claim Protector pays for non-payable items or consumables used during hospitalization ( Please Note these expenses are not covered under most health insurance plans).
- Inflation Protector – It increases the sum insured amount at each renewal based on the previous year’s inflation rate.
- Domestic Air Ambulance Cover – This covers the cost of air ambulance services for transportation of the insured to the nearest hospital for emergency care.
- Convalescence Benefit – In case of continuous hospitalization above 10 days, a fixed allowance is paid to the insured.
- Nursing at Home – A maximum of 10 days qualified nurse allowance is paid after hospital discharge ( if required).
- Compassionate Visit – It covers economy class airfare or train ticket for a round trip of an immediate family member to the place where the insured is hospitalized for more 5 days.
- Annual Health Check-Up – A preventive health check-up facility at an empanelled or network provider of the insurance company is given once in a policy year
- Critical Illness Cover – It pays a lump sum benefit to the policyholder on a diagnosis of any of the 20 listed critical illnesses.
- Personal Accident Cover – A fixed amount is paid as compensation in case of permanent total/partial disablement or death due to an accidental injury.
- Voluntary Co-Payment – if the policyholder agrees to pay a co-payment on all claims, get a discount on renewal premiums
- Voluntary Deductible – It offers a renewal premium discount in case the policyholder decides to pay a deductible during claim settlement.
- Dependent Accommodation Benefit – A daily allowance is given for the dependent accommodation if the insured is hospitalized for at least 3 consecutive days.
- Durable Medical Equipment Cover – It covers the cost of buying 9 listed durable medical equipment, such as wheelchair, ventilator, suction machine, etc., as prescribed by the treating doctor.
- Teleconsultations – It arranges teleconsultations for routine health issues by a qualified medical practitioner through audio, chat, online portal, video or mobile application.
- Waiting Period Reduction Option – It reduces the pre-existing disease waiting period from 3 years to 2 years or 1 year.
- Maternity Waiting Period Reduction Option – It shortens the waiting period for maternity coverage from 2 years to 1 year.
- Specific Illness Waiting Period Reduction Option – It reduces the specific illness or procedure waiting period from 2 years to 1 year.
- Worldwide Cover Waiting Period Reduction Option – It shortens the waiting period for worldwide cover from 2 years to 1 year.
- Room Modifier – It modifies room category with no restrictions
- Network Advantage – It provides a 10% discount on premium if the insured agrees to avail treatment only at a hospital under the Preferred Provider Network (PPN) list.
- NRI Advantage – Accidental Emergencies Cover for NRI – It provides a 25% discount on premiums to NRIs (Non-Resident Indians) and OCIs (Overseas Citizens of India) if they limit their coverage to accidental emergencies only.
Exclusions of ICICI Lombard Elevate Plan
The following expenses are excluded from the ICICI Lombard Elevate plan:
- Sterility and infertility treatments
- Intentional self-injury
- Plastic surgery or cosmetic surgery
- Injuries due to adventure sports or hazardous sports
- Treatment for alcohol or drug addiction
- External congenital treatments
- Sexually transmitted diseases
ICICI Lombard Elevate Plan Waiting Periods
Here are the waiting periods that apply to the ICICI Lombard Elevate plan:
| Category | Waiting Period |
| Pre-existing Diseases Waiting Period | 3 years |
| Specific Disease/Procedure Waiting Period | 2 years |
| Hypertension/Diabetes/Cardiac Conditions Waiting Period | 90 days |
| Initial Waiting Period | 30 days |
| Bariatric Surgery Cover Waiting Period | 2 years |
| Maternity Benefit Waiting Period | 2 years |
| Worldwide Cover Waiting Period for Non-accidental Emergencies | 2 years |
| Critical Illness Cover Waiting Period | 90 days |
