What is ICICI Lombard Elevate policy?
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. The 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 flexibility, domestic and air ambulance, and convalescence benefits.
How does a family floater policy under ICICI Lombard Elevate work?
The total sum insured in a family floater policy is available for each policy member. So, if the total sum insured is ₹10 lakhs, and one member claims ₹3 lakhs, ₹7 lakhs will be the available sum
insured amount for all the members in the policy for that given policy year.
What is the age limit for taking this policy?
The minimum age limit for taking this policy is 18 years, and there is no maximum age limit.
How can I switch my current insurance to ICICI Lombard?
If you wish to switch your existing health insurance to any ICICI Lombard plan, please provide your application, including a duly filled portability form and your previous policy documents. Kindly
share these at least 45 days before the renewal date of your existing health policy.
What is the difference between base coverage and add-ons?
The base coverage is in-built into the policy. The add-ons are optional; you can add them to the policy by paying a additional premium to enhance the coverage based on your individual needs and
& budgets.
How much premium qualifies for tax benefits?
With Income Tax benefits under Sec 80D, you can claim tax deductions up to a maximum of ₹25,000 when you purchase a policy for yourself, or spouse, or your children. For dependant parents above
60, you can claim a tax deduction up to a maximum of ₹50,000.
Are all the major corporate hospitals on the network?
There are 9500+ network hospitals where you can avail of cashless facilities. You can claim reimbursement if your treating hospital is not a network hospital.
Is overseas treatment for an illness covered?
Any form of treatment taken outside India will not be covered. However, if you opt for worldwide coverage, it is included.
Will ICICI Lombard Elevate Insurance pay for maternity expenses?
Maternity care expenses cover the following for expectant mothers and their newborns :
- This covers pre and post natal expenses upto the SI amount
- The waiting period of 24 months from the time this cover is opted
- 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.
What are the different modes of payment on icicilombard.com?
You can choose between any of these payment options to pay your premium online:
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Credit Card – Make secure premium payment with your VISA, Master, AMEX, RuPay or Diners Club card.
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Net banking - Transfer the premium amount online through ICICI Bank or any of the other 50+ banks.
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Debit Card – Just enter your bank's debit card details to pay your insurance premium directly.
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UPI and e-wallets - Pay through UPI apps such as Google Pay, BHIM UPI & PhonePe, or an online wallet.
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EMI - Use the credit/debit card EMI facility to pay your premium in instalments
How much premium qualifies for tax benefits?
Under section 80D of the Income Tax Act, you can avail of tax benefits for premiums paid towards your health insurance policy. The following table explains total tax deduction for only assess,
spouse, dependant children and parents (whether dependant or not)
Will my premium be the same when I renew my policy?
Your premium depends on your age and the benefit amount/coverage period you have opted for in your policy. If you move to a higher age band at the time of renewal, the premium will change as per
the new age band.
If you upgrade your product to a higher sum insured at the time of renewal, add covers or make changes to the coverage period, your premium will change.
How can I calculate the premium for this product?
Please refer the rate chart for checking premium for
this policy
How do I avail cashless claim settlement for my Elevate health insurance policy?
Cashless treatment is available at all our network providers/hospitals
To avail cashless claim settlement:
Step 1: Get treated at any of our network hospitals. Submit a copy of your health card and photo ID proof at the Hospital TPA (Third Party Administration) desk during admission.
Step 2: The hospital will send us a cashless approval request along with necessary documents (pre-authorisation form, investigation reports, past consultation papers (if applicable), a copy of
your health card, photo ID proof, etc.).
Step 3: We will process your claim request as per policy terms and conditions.
Step 4: If you have paid any deposit, don’t forget to collect it from the hospital.
Step 5: Once your treatment is complete, we will settle the claim payment directly with the hospital.
Step 6: Track your claim status anytime on our IL TakeCare App or WhatsApp at 7738282666.
If you submit a cashless pre-authorisation request through a network hospital with all required documents, we will process it within 1 hour of receiving it. The final approval will be given within
3 hours of receiving the hospital’s discharge request. Please notify us 48 hours before a planned admission or within 24 hours in emergencies to avail cashless services. Non-medical and
non-payable expenses will need to be covered by you.
When should I request pre-authorisation?
In case of planned hospitalisation, request pre-authorisation at least 48 hours in advance. And in case of an emergency, request within 24 hours of hospitalisation.
How long does it take to process a pre-authorisation request?
If a request is made through one of our empaneled network provider/hospital with complete documentation, then we will respond within an hour. Final authorisation, however, will be granted within 3
hours of receiving the discharge request from the hospital.
How can I raise my ICICI Lombard Elevate insurance claim post-hospitalisation?
In case of planned hospitalisation, pick a hospital within our network to avail of cashless claims, so you won't have to pay the hospital bills out of your pocket. You can claim reimbursement for
hospitalisation expenses in an emergency where you must pick a non-network hospital for immediate care. To raise a reimbursement claim, contact us by using any of the following ways:
Who do I call at the time of emergency hospitalisation?
You can contact us on our toll-free number, 1800 2666 or SMS ""HEALTHCLAIM"" to 575758 for a callback. Use the health card at any network hospital to avail of our cashless service. Contact us
within 24 hours of hospitalisation for cashless emergency hospitalisation.
For cashless emergency hospitalisation, we need to be contacted within 24 hours of hospitalisation.
What do I do if my claim is rejected?
A claim can be rejected for several reasons, such as an incomplete waiting period, incorrect information provided, delay in making a claim & others. If your claim is denied, you can ask the
reason for such rejection. If you're not convinced, you can contest the decision.
I wish to add my spouse to an individual health insurance policy. Is it possible?
You can change your policy to a family floater health insurance policy at renewal and easily add your spouse.
What is the tenure for ICICI Lombard Elevate Policy?
Each policy period is one, two and three calendar year from the date of purchase.
What is a ‘Free Look’ period in Elevate health insurance policy?
The Free Look period is a 30-day period, starting from the date you receive your policy document (electronic copy or physical). During this period, if you review the terms and conditions of the
policy and decide to cancel your policy, you (the insured) will get a refund of the premium paid. The refund amount will be exclusive of the proportionate risk premium for the coverage period, any
medical examination cost and stamp duty charges.
What happens if I don't renew my policy on time?
We provide a grace period of 30 days from the expiry of the policy. Beyond this period, you lose your renewal benefits, including continuity benefits required to cover pre-existing diseases. You
will have to apply for a fresh policy post the grace period.