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What is ICICI Lombard Elevate policy?

In today’s world, the rising costs of medical care are an unavoidable reality. From initial doctor visits to lab tests and pharmacy bills, the cumulative expenses of comprehensive treatment can become overwhelming.

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. This health insurance 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, domestic and air ambulance, and convalescence benefits.

Top reasons to buy Elevate health insurance

Hospitalisation & day care treatment cover
Unlimited reset of sum insured
Cashless Everywhere^Q (cashless treatment at any hospital in India)
Up to 30% discount on renewals for staying active
100% sum insured increase every year^Y, irrespective of claims
Unlimited coverage for any 1 claim of your choice during policy lifetime^Y

AYUSH treatment covered up to sum insured
Pre & post hospitalisation expenses from 90 days until 180 days
Road & air ambulanceY covered up to sum insured
Customisable waiting periods^Y
Cashless OPD services like ordering medicines, booking lab tests, etc. (with additional premium)
Cashless hospitalisation worldwide^G^Y

Top reason to buy Elevate health insurance

Why do you need to purchase Elevate health policy

What value additions does the Elevate policy offer?

Infinite care - Unlimited coverage for any one claim of your choice during your policy lifetime, ensuring reliable coverage whenever you need it the most.

Power booster (Super loyalty bonus) - Each policy year, earn a cumulative bonus of up to 100% of your annual sum insured (expiring or renewed sum insured, whichever is lower).

Reset benefit^S - If your remaining sum insured isn’t enough for a claim, it will reset to the base sum insured for future claims—and this can happen unlimited times.

Worldwide cover^GY - Get coverage up to INR 3 crore on a cashless basis for hospitalisation abroad, including planned treatments. Top this up with the Worldwide cover waiting period reduction option^Y and you can access the benefits of this cover in just a year instead of 2 years.

Jumpstart - Reduces the waiting period to just 30 days for treatments and conditions like asthma, diabetes, and hypertension, as long as they’re declared when you buy the policy.

OPD+ - With this rider, you get cashless coverage for outpatient care—doctor consultations, diagnostics, mental health, pharmacy, dental care, vision care, and more—via the IL TakeCare app, up to your chosen sum insured. The best part? There’s no capping on sum insured, and you get unlimited teleconsultations and mental health counselling too.

Who needs Elevate health policy?

Any individual above the age of 18 years can opt for this policy for themselves and their family. The minimum age for adding a child is 91 days. If you have any pre-existing diseases, you can still opt for this policy by paying an additional premium.

What’s included and what’s not?

Inclusions
Exclusions

Benefits Covered

Inpatient Treatment
Daycare Procedure
Technological advancements and Treatments
Pre & Post Hospitalisation
In patient AYUSH Hospitalisation
Loyalty Bonus
Bariatric Surgery
Reset Benefit
Domestic Road Ambulance
Donor Expenses
Wellness Program
In patient Hospitalisation (Surrogate and Oocyte Donor)

Add On Benefits

Infinite Care
Power Booster (Super loyalty Bonus)
Chronic disease Management
Maternity Benefit
New Born Baby Cover
Vaccination for new born baby in first year
BeFit
Worldwide Cover
Claim Protector
Inflation Protector
Domestic Air Ambulance Cover
Nursing At Home
Compassionate Visit
Health Check-Up
Personal Accident

Voluntary Co-Payment
Voluntary Deductible
Dependent Accomodation Benefit
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
Room Modifier
Network Advantage
NRI Advantage ( Accidental Emergency Cover for NRI)
Tele consultation(s) (Unlimited Times)^Z

Standard

Expenses related to pre-existing diseases within the waiting period.
If the sum insured is increased the exclusion shall apply afresh to the sum insured
If the insured person is covered without any break as defined under portability or migration norms by IRDAI

Specified Disease

Expenses related to specified disease for 24 month
If the specified disease /procedure falls under the waiting period specified for the pre-existing disease – the longer of the two waiting period shall apply
List of specified disease
- Gastric or duodenal ulcer
- Benign prosthetic hypertrophy
- All types of sinuses
- Dysfunctional uterine bleeding
Read more

Policy Wordings: Downloads

Key features of Elevate policy - maternity cover

This covers maternity care expenses for expectant mothers and their newborns.

This covers pre and post-natal expenses as per policy terms
There's a waiting period of 24 months from the time this cover is opted for.
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.

Key Features of Elevate policy Maternity Cover

How can you buy Elevate policy online

Get quote

Share your basic details, including the number of family members, their ages, and your contact information.

Pick policy

Choose a policy with the sum insured that best suits your needs.

Pay

Complete the payment for your family's insurance and get started.

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Frequently asked questions

General
Cover
Premiums
Claims
Policy

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:

Credit Card – Make secure premium payment with your VISA, Master, AMEX, RuPay or Diners Club card.
Net banking - Transfer the premium amount online through ICICI Bank or any of the other 50+ banks.
Debit Card – Just enter your bank's debit card details to pay your insurance premium directly.
UPI and e-wallets - Pay through UPI apps such as Google Pay, BHIM UPI & PhonePe, or an online wallet.
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:

Claim via IL Take Care app. Download here
Call us on our toll-free number 1800 2666
Raise a claim through our website here
Email us at ihealthcare@icicilombard.com

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.

Got questions? Let's talk! Share your contact details and we'll give you a call.

Thank You for your interest in our product.

Zero hassle health policies starting @₹20/day A

What is ICICI Lombard Elevate policy?

Top reasons to buy Elevate health insurance

What value additions does the Elevate policy offer?

Who needs Elevate health policy?

What’s included and what’s not?

Benefits Covered

Add On Benefits

Standard

Specified Disease

Key features of Elevate policy - maternity cover

How can you buy Elevate policy online

Get quote

Pick policy

Pay

Health insurance blog articles

Corporate health insurance vs personal health insurance: Which is better?

Cancer Insurance vs Critical Illness Insurance: Key Differences

Cold showers vs. hot showers: Which one is better?

Frequently asked questions

What is ICICI Lombard Elevate policy?

How does a family floater policy under ICICI Lombard Elevate work?

What is the age limit for taking this policy?

How can I switch my current insurance to ICICI Lombard?

What is the difference between base coverage and add-ons?

How much premium qualifies for tax benefits?

Are all the major corporate hospitals on the network?

Is overseas treatment for an illness covered?

Will ICICI Lombard Elevate Insurance pay for maternity expenses?

What are the different modes of payment on icicilombard.com?

How much premium qualifies for tax benefits?

Will my premium be the same when I renew my policy?

How can I calculate the premium for this product?

How do I avail cashless claim settlement for my Elevate health insurance policy?

When should I request pre-authorisation?

How long does it take to process a pre-authorisation request?

How can I raise my ICICI Lombard Elevate insurance claim post-hospitalisation?

Who do I call at the time of emergency hospitalisation?

What do I do if my claim is rejected?

I wish to add my spouse to an individual health insurance policy. Is it possible?

What is the tenure for ICICI Lombard Elevate Policy?

What is a ‘Free Look’ period in Elevate health insurance policy?

What happens if I don't renew my policy on time?

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