About ICICI Lombard Elevate Plan
ICICI Lombard Elevate is an unlimited health insurance plan that provides unlimited sum insured options and access to an infinite claim amount with the Infinite Care benefit. It also offers a 100% cumulative bonus for an infinite period with the Power Booster benefit and comes with unlimited restoration of the sum insured with the Reset benefit.
ICICI Lombard Elevate Plan: Key Highlights
| Categories | Specifications |
|---|---|
| Coverage | ₹5 lakh to unlimited |
| Pre-policy Medical Check-up | Not required for below 45 years and ₹10 lakh SI |
| Pre-existing Diseases Waiting Period | 3 years |
| Discount |
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or select from popular citiessSearch Elevate Cashless Network Hospital list
Key Benefits of ICICI Lombard Elevate Plan
ICICI Lombard Elevate Plan Inclusions, Exclusions & Optional Cover
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In-patient TreatmentIt pays for the medical expenses incurred during in-patient hospitalization of at least 24 hours.
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Day Care Procedures/TreatmentIt covers day care procedures or treatments that require a hospitalization of less than 24 hours.
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Modern TreatmentsIt pays for 12 modern treatments or procedures, including robotic surgeries, stem cell therapy and oral chemotherapy.
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Pre-hospitalization Medical ExpensesIt covers the medical expenses incurred for up to 90 days before hospital admission.
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Post-hospitalization Medical ExpensesIt pays for the medical costs incurred for up to 180 days after hospital discharge.
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In-patient AYUSH HospitalizationIt covers the cost of availing in-patient treatment at an AYUSH hospital or day care centre.
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Sterility and infertility treatmentsIt excludes the expenses incurred on assisted reproduction treatments like IVF, ZIFT, etc., as well as sterilization, etc.
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Intentional self-injuryIt does not cover expenses for the treatment of injuries arising from intentional self-harm.
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Plastic surgery or cosmetic surgeryIt does not cover the cost of plastic surgery or cosmetic treatments undertaken solely for the purpose of beautification.
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Injuries due to Adventure Sports or Hazardous SportsIt excludes costs of treating injuries from adventure sports activities like rock climbing, sky diving, rafting, horse racing, etc.
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Treatment for Alcohol or Drug AddictionIt does not pay for expenses incurred on treating alcoholism, drug abuse, or any kind of addictive condition.
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External Congenital TreatmentsIt does not cover treatments obtained to cure physical abnormalities present from birth.
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Infinite CareIt pays an unlimited claim amount to cover medical expenses incurred on in-patient hospitalization, day care procedures and in-patient AYUSH treatment once in the lifetime of the policy.
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Power BoosterIt provides a 100% cumulative bonus for up to an unlimited sum insured amount if no claims have been filed in the previous policy year.
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JumpStartIt covers pre-existing asthma, diabetes, hypertension, obesity, hyperlipidemia and coronary artery disease after a reduced waiting period of 30 days.
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Chronic Disease Management ProgramIt enables the insured to avail health assistance, dietician & nutrition counselling, lifestyle modification counselling and 2 annual health check-ups in case of pre-existing hypertension, asthma, obesity, coronary artery disease, diabetes and hyperlipidemia.
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Maternity BenefitIt covers the maternity-related expenses incurred by the insured woman during pregnancy, including delivery, pre-natal and post-natal expenses.
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Newborn Baby CoverIt pays for the hospitalization expenses incurred on the treatment of the newborn baby.
ICICI Lombard Elevate Plan Waiting Periods
| Categories | 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 |
In case of emergency we are just a call away. Take care of your family, we will do the rest. Our claim specialists will reach your location & complete the formalties from filing the claim to documentation to coordinating with insurer, TPA & hospital. Available in New Delhi and 114+ cities View cities list ›Policybazaar Claim Process
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ICICI Lombard Elevate Plan: FAQs
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Q. How can I check the ICICI Lombard Elevate plan price?
Ans: You can check the ICICI Lombard Elevate plan cost by going through the premium chart of the policy. You can also use an ICICI Lombard Elevate plan calculator to determine the estimated price of the plan before buying.
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Q. Which hospital room category can I choose under the ICICI Lombard Elevate plan?
Ans: The ICICI Lombard Elevate plan covers room rent for up to a single private AC room during in-patient hospitalization.
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Q. Is full body check-up covered by the ICICI Lombard Elevate plan?
Ans: Yes. The ICICI Lombard Elevate plan provides full body check-ups under the annual health check-up benefit. However, this benefit is available as an add-on cover and can be purchased on the payment of an additional premium.
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Q. What is the advantage of selecting a policy with a duration of more than 1 year?
Ans: If one buys Aditya Birla Health Insurance for more than a year, one can save 7.5 % and 10% on the 2 and 3 years premium, respectively.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. What is a waiver of a mandatory co-pay cover?
Ans: This benefit is covered on payment of an additional premium. Therefore, any mandatory co-payment that is applicable under the Aditya Birla Activ Health Essential Plan will be waived off.
ICICI Lombard offers two types of claim settlements – cashless and reimbursement. Follow the steps to raise a claim:
- Find the nearest network hospital of ICICI Lombard
- Get admitted to the hospital
- Notify the insurance company about the hospitalization
- In case of pre-planned hospitalization, intimate the insurer before hospital admission.
- Fill up the pre-authorization form and submit it to the hospital staff
- The pre-authorization form will be sent to ICICI Lombard for approval.
- Once approved, obtain medical treatment.
- At the time of discharge, sign all the medical documents.
- Pay for the items/services not covered under the ICICI Lombard policy
- The network hospital will send the hospital bill to ICICI Lombard.
- After review, the insurance company will pay the bill amount directly to the network hospital.
- Intimate ICICI Lombard about the hospitalization
- In case of planned hospitalization, inform the insurance provider before hospital admission.
- Obtain medical treatment
- During discharge, pay the hospital bill in full.
- Collect all the medical documents, hospital bills and receipts
Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim
