ICICI Lombard Elevate Health Insurance ICICI Lombard Elevate

Hospitalisation expenses are covered, including room rent, doctor's fees, operation theatre charges, medicines and consumables.

Procedures that do not require 24 hour hospitalisation due to technological advancement in treatment are covered.

Eligible medical expenses are covered from 90 days before hospitalisation until 180 days after discharge.

In-patient AYUSH treatment is covered up to the sum insured.

The sum insured resets to the base amount whenever the remaining balance is not enough for a claim, with no cap on the number of resets.

A cumulative bonus is added to the sum insured for every claim free policy year.

Medically necessary bariatric surgery is covered, subject to policy terms.

Road ambulance expenses within India are covered up to the sum insured.

Medical expenses for organ harvesting from a donor are covered up to the sum insured.

Reward points and premium discounts of up to 30% are available for maintaining a healthy lifestyle.

In-patient hospitalisation expenses for a surrogate mother or oocyte donor are covered, subject to policy terms.

Expenses related to pre-existing diseases are not covered until the applicable waiting period is completed.

Expenses related to specified diseases are not covered for the first 24 months of the policy.

Treatments undertaken to alter or improve appearance for aesthetic purposes are not covered.

Injuries caused intentionally through self-harm are not covered.

Treatment arising from war, invasion or nuclear threats is not covered.

Treatments that are not established or recognised methods for treating an illness or injury are not covered.

Unlimited coverage for any one claim of your choice during the lifetime of the policy.

Personalised healthcare support across key life stages, including preventive care, gynaecological health, fertility, maternity, menopause and women-specific cancer care.

A cumulative bonus of up to 100% of the annual sum insured every policy year, irrespective of claims.

Ongoing support for listed chronic conditions, including consultations and diagnostic tests.

Coverage for maternity related hospitalisation expenses, subject to the selected sum insured and waiting period.

Coverage for a new born baby from birth, including vaccination in the first year.

Digital tools to track fitness and health goals, linked to wellness rewards.

Cashless coverage up to ₹3 crore for planned hospitalisation abroad.

Protects specific claim amounts that are otherwise reduced due to standard deductions.

Increases the sum insured periodically to help keep pace with rising medical costs.

Covers air ambulance expenses within India up to the selected limit.

Covers the cost of a qualified nurse for home care after hospitalisation.

Covers an economy-class air or railway ticket for one Immediate Family Member to visit you if your hospitalisation exceeds 5 consecutive days, up to ₹20,000 per policy year.

Periodic health check-ups for policyholders, subject to plan terms.

Covers accidental death and disability, with the payout based on the selected sum insured.

Option to reduce premium by agreeing to bear a share of each claim.

Option to reduce premium by agreeing to a claim threshold before the policy pays out.

Covers the cost of durable medical equipment prescribed during treatment.

Option to reduce standard waiting periods, other than those covered under Jumpstart.

Option to customise room rent eligibility as per your requirement.

Accidental emergency cover designed for NRI policyholders.

Unlimited teleconsultation access through the IL TakeCare app.