ICICI Lombard Elevate Plan

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.

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This ICICI Lombard health insurance policy covers pre-existing diseases, such as diabetes, hypertension, asthma, obesity, etc., after 30 days with the Jumpstart benefit. Additionally, it also comes with attractive benefits like inflation protector, claim protector, BeFit benefit, NRI Advantage, etc.

ICICI Lombard Elevate Plan: Key Highlights

Benefits of ICICI Lombard Elevate Plan

Check out some of the ICICI Lombard Elevate plan benefits below:

1. Unlimited Claim Amount

   Policyholders can claim unlimited medical expenses once in the lifetime of the policy regardless of the sum insured with the Infinite Care benefit. However, this optional cover can only be purchased during the first two policy years.

2. PED Coverage from Day 30

   Under this health insurance policy, the waiting period for pre-existing obesity, hypertension, coronary artery disease, diabetes, asthma and hyperlipidemia is reduced to 30 days with the JumpStart optional cover. However, the cover should be chosen for a period of three consecutive policy years.

3. Unlimited Restoration of the Sum Insured

   With the Reset benefit, the sum insured of your ICICI Lombard Elevate policy will be restored by 100% unlimited times a year if the original coverage amount was exhausted due to a claim.

4. Discount on Renewal Premium

   Policyholders can earn a wellness discount of up to 30% on renewal premiums if they successfully accumulate a minimum of 9000 wellness points.

5. Wellness Programs

   With this mediclaim insurance policy, you get access to wellness services, including a health assistance team, ambulance assistance and discounts on medical services and products.

6. Guaranteed Cumulative Bonus

   The ICICI Lombard General Insurance Company will provide a guaranteed cumulative bonus of 20% for up to 100% if no claims have been raised in the previous policy year.

7. Tax Benefits

   According to Section 80D of the Income Tax Act, policyholders can claim tax deductions on the premiums paid to buy this ICICI Lombard medical insurance policy.

ICICI Lombard Elevate Plan Eligibility Criteria

Take a look at the ICICI Lombard Elevate plan eligibility criteria below:

Inclusions of ICICI Lombard Elevate Plan

The ICICI Lombard Elevate plan includes the following coverage:

• In-patient Treatment - It pays for the medical expenses incurred during in-patient hospitalization of at least 24 hours.
• Day Care Procedures/Treatment - It covers day care procedures or treatments that require a hospitalization of less than 24 hours.
• Modern Treatments - It pays for 12 modern treatments or procedures, including robotic surgeries, stem cell therapy and oral chemotherapy.
• Pre-hospitalization Medical Expenses - It covers the medical expenses incurred for up to 90 days before hospital admission.
• Post-hospitalization Medical Expenses - It pays for the medical costs incurred for up to 180 days after hospital discharge.
• In-patient AYUSH Hospitalization - It covers the cost of availing in-patient treatment at an AYUSH hospital or day care centre.
• Domestic Road Ambulance - It pays for the medical expenses incurred by availing road ambulance services to transport the insured to the nearest hospital for emergency care.
• Donor Expenses - It covers the hospitalization expenses incurred by the donor while donating the organ for the transplant surgery of the insured.
• Domiciliary Hospitalization - It pays for the cost of domiciliary hospitalization of at least 3 consecutive days in case admission to a hospital is not possible.
• Bariatric Surgery Cover - It covers the hospitalization expenses incurred on availing surgical procedure/treatment for obesity.
• In-patient Hospitalization for Surrogate Mother - It pays for the in-patient hospitalization expenses incurred by the surrogate mother due to pregnancy and post-partum delivery complications.
• In-patient Hospitalization for Oocyte Donor - It covers the in-patient hospitalization expenses incurred by the oocyte donor due to oocyte retrieval complications.

Optional Covers:

• Infinite Care - It 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.
• Power Booster - It provides a 100% cumulative bonus for up to an unlimited sum insured amount if no claims have been filed in the previous policy year.
• JumpStart - It covers pre-existing asthma, diabetes, hypertension, obesity, hyperlipidemia and coronary artery disease after a reduced waiting period of 30 days.
• Chronic Disease Management Program - It 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.
• Maternity Benefit - It covers the maternity-related expenses incurred by the insured woman during pregnancy, including delivery, pre-natal and post-natal expenses.
• 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 - It covers the 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 - It provides global coverage for planned or emergency hospitalization expenses incurred across the world, including the USA and Canada.
• Claim Protector - It pays for non-payable items or consumables used during hospitalization that are usually excluded under most health insurance plans.
• Inflation Protector - It increases the sum insured amount on a cumulative basis at each renewal based on the previous year’s inflation rate.
• Domestic Air Ambulance Cover - It covers the cost of availing air ambulance services to transport the insured to the nearest hospital for emergency care.
• Convalescence Benefit - It pays a fixed allowance to the insured in case of more than 10 days of continuous hospitalization.
• Nursing at Home - It pays a daily allowance for up to a maximum of 10 days after hospital discharge to avail the services of a qualified nurse.
• Compassionate Visit - It covers the cost of the economy class air ticket 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 - It provides a preventive health check-up facility once in a policy year at an empanelled or network provider of the insurance company.
• Critical Illness Cover - It pays a lump sum benefit to the policyholder on the first-time diagnosis of any of the 20 listed critical illnesses.
• Personal Accident Cover - It pays a fixed amount as compensation in case the insured suffers from permanent total/partial disablement or dies due to an accidental injury.
• Voluntary Co-Payment - It provides a discount on renewal premiums if the policyholder agrees to pay a co-payment on all claims.
• Voluntary Deductible - It offers a renewal premium discount in case the policyholder decides to pay a deductible during claim settlement.
• Dependent Accommodation Benefit - It pays a daily allowance for the accommodation of the dependent in the hospital 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 the room rent eligibility to any room category with no restrictions, twin sharing room or a sub-limit of 1% of the sum insured.
• 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:

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