What is the Elevate Health Insurance Policy?

The increasing expenses of medical care, covering everything from doctor appointments to lab tests and prescription costs, have become an unavoidable reality in today’s society. The overall financial burden of comprehensive treatment can quickly become overwhelming for many individuals.

ICICI Lombard's Elevate policy is specifically tailored to provide comprehensive support for your health needs. With a flexible sum insured and an array of add-on covers, the policy ensures that you have the necessary coverage at every stage of your health journey. Additionally, it offers various value-added services such as reward points for healthy habits, video/teleconsultation, pharmacy and diagnostic services, online chats with doctors and second opinions, among others.

In addition to those benefits, the insurance plan also offers coverage for pre-existing medical conditions, flexibility in choosing healthcare providers and the option for domestic or air ambulance services. Moreover, it provides rehabilitation benefits to help clients recover from illness or injury.

Elevate Health Policy Specifications

Specification	Details
Policy Name	Elevate Health Insurance
Provider	ICICI Lombard
Key Features	Personalized coverage plans powered by Artificial Intelligence Unlimited insurance coverage Unlimited claim amount 100% cumulative bonus Reset cover amount benefit 30-day waiting period for pre-existing conditions coverage Fitness discounts in wellness programmes Increased sum insured yearly to protect against inflation Coverage for non-payable claim expenses
Target Audience	Seeking comprehensive health insurance with customizable options and high coverage limits
Add-ons Available	Unlimited claim limit Unlimited bonus Reset Benefit Jumpstart Wellness Program Inflation Protector Claim Protector
Waiting Period	30 days for general conditions 30 days coverage for pre-existing diseases with Jumpstart add-on
Premium Payment	Coverage and add-ons determine the cost, but no specific amounts are provided
Unique Selling Proposition	AI integration improves health insurance experiences and speeds up claim processing
Overall Benefits	Full coverage, flexible claims and wellness rewards for a healthier life
Recent Launch	July 2024

Coverage Benefits of ICICI Elevate Health Insurance Policy

The coverage benefits offered by the ICICI Elevate health insurance policy are as follows.

Feature	Details
Hospitalization & Day Care Treatment Cover	Full hospitalization and daycare coverage
Unlimited Reset of the Sum Insured	Unlimited sum insured resets allowed
Cashless Approval	Cashless claims approved in 2 hours
Renewal Discount	30% discount on renewals when you continue to lead an active lifestyle
Annual Sum Insured Increase	Annual 100% increase in the coverage amount
Unlimited Sum Insured on Claims	No claim limit for each claim throughout the policy duration
AYUSH Treatment Coverage	AYUSH treatments covered up to the sum insured amount
Pre & Post-Hospitalization Expenses	Covers medical expenses incurred 90 days before hospitalization and continues to provide coverage for 180 days post-hospitalization
Ambulance Services	Coverage for both road and air ambulances up to the sum insured amount
Customizable Waiting Periods	Customizable waiting periods for individual needs
OPD Benefits	Additional premium offers outpatient department benefits

What’s Covered and Not Covered in Elevate Health Insurance

ICICI Elevate Health Insurance Policy Inclusions

Domestic Road Ambulance
Wellness Program
Inpatient AYUSH Hospitalisation
Bariatric Surgery
Guaranteed Cumulative Bonus
Daycare Procedure
Reset Benefit
Pre & Post Hospitalisation
Modern Treatment
Inpatient Treatment
Donor Expenses
In-patient Hospitalization (Surrogate and Oocyte Donor)

ICICI Elevate Health Insurance Policy Waiting Periods

Hospitalizations are not covered in the first 30 days, except for accidents
1 to 2-year waiting period for specific illnesses before claiming
3-year waiting period for pre-existing diseases in the policy
Hospitalizations for diabetes, hypertension and cardiac conditions are not covered if not diagnosed as PEDs at purchase

Add-On Benefits

Worldwide Cover
Nursing At Home
Maternity Benefit
Claim Protector
Compassionate Visit
Chronic Disease Management
Personal Accident
Health Check-Up
Vaccination for Newborn Babies in the First Year
Voluntary Co-Payment
Voluntary Deductible
Room Modifier

Network Advantage
NRI Advantage (Accidental Emergency Cover for NRI)
Teleconsultation (Unlimited Times)
Inflation Protector
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

New Born Baby Cover
BeFit
Power Booster (Super Guaranteed Bonus)
Dependent Accommodation Benefit
Domestic Air Ambulance Cover
Voluntary Co-Payment
Voluntary Deductible
Room Modifier
Network Advantage