Close
IL Take Care Logo
IL TakeCare app – For all your insurance & wellness needs

Policy purchase, claims, renewal & more

Zero hassle health policies starting @₹18/dayA

  • No medical checkup requiredB
  • Instant policyP
  • 100% claim with add-onG
  • 9500+ Healthcare providersC
  • 60 minsD TAT for cashless hospitalisation
What is ICICI Lombard Elevate policy

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. 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, 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.

Top reason to buy Elevate health insurance

  • Hospitalisation & Day care treatment cover
  • Unlimited Reset of Sum insured
  • Cashless approval in 2 hoursX
  • 30% discount On Renewals For Active Living
  • 100% SI increase Every YearY
  • Unlimited SI on any one claim during policy lifetimeY
  • AYUSH treatment covered up to SI
  • Pre & post hospitalization expenses from 90 days until 180 days
  • Road & Air AmbulanceY Covered Up To Sum Insured
  • Customizable waiting periods
  • OPD Benefits (with additional premium)
Top reason to buy Elevate health insurance
Why do you need to purchase Elevate health policy

Why do you need to purchase Elevate health policy?

Network Advantage - Enjoy a 10% discount by selecting a PPN (Preferred Provider Network) hospital for your treatment. If you choose to receive treatment outside the PPN network, a 20% co-pay for the expenses will apply.

Jumpstart - Benefit from additional coverage for pre-existing diseases, providing you with comprehensive protection from the start.

Infinite Care - Experience peace of mind with no capping on any one claim during the policy, ensuring full coverage when you need it most.

Who needs Elevate health policy?

An 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.

Who needs Elevate health plan

What’s included and what’s not?

  • Inclusions
  • Exclusions

Benefits Covered

  • Inpatient Treatment

  • Daycare Procedure

  • Modern Treatment

  • Pre & Post Hospitalisation

  • In patient AYUSH Hospitalisation

  • Guaranteed Cumulative Bonus

  • Bariatric Surgery

  • Reset Benefit

  • Domestic Road Ambulance

  • Donor Expenses

  • Wellness Program

  • In patient Hospitalization (Surrogate and Oocyte Donor)

Add On Benefits

  • Infinite Care

  • Power Booster (Super Guaranteed 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)

  • Teleconsultation (Unlimited Times)Z

Read more

Standard

  • Expenses related to pre-existing disease

  • 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
    • Endometriosis
    • Stones in urinary and bilateral systems
    • Surgery on ear/tonsils/adenoids
    • Cataract
    • Hernia of all types
    • Hysterectomy
    • Joint Replacement
    • Dilatation and curtilage
    • Varicose veins
    • Non-infective arthritis
    • Gout Rheumatoid
    Read more

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 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 45 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

Get quote

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

Pick plan

Pick policy

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

Pay

Pay

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

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, 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 member one claims ₹3 lakhs, ₹7 lakhs will be the available sum insured amount for the remaining 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 45 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 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 hospitalization, we need to be contacted within 24 hours of hospitalization.

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 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.
Product Product Code UIN no.
Elevate 4225 ICIHLIP25031V012425

Hi there!

Let us help you explore and buy a new policy.

Chat now
Available 24 x 7

Error message here