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Health Insurance
Why buy Elevate Health Insurance Policy?
Inflation Protector i
The Inflation Protector Cover is designed to protect the Annual Sum Insured against rising inflation, with automatic increases linked to the Consumer Price Index (CPI).
Network Advantage
Get a 10% discount on every renewal premium, including the first year. If treatment is done outside PPN (Preferred Provider Network), a 20% co-payment will be applicable on each claim.
Infinite Care a
Rest easy with no limits on any single claim during your policy, ensuring full coverage when you need it most.
Elevate Health Insurance Plans
Elevate: Overview of Features
Power Booster b
(Super Loyalty Bonus) - Get a 100% loyalty bonus every year, regardless of claims (Note: This option is not available with the unlimited sum insured).
Domestic Air Ambulance f
Covers air ambulance costs up to your annual sum insured, for emergency transfers to the nearest hospital.
Claim Protector g
Covers non-payable items like gloves, syringes, and masks up to the sum insured (Available for domestic coverage only).
Tele Consultation d
Unlimited access to qualified healthcare professionals for routine consultations via phone, video, or app.
Health Check-Up
Get a predefined health check-up package worth up to 0.5% of your annual sum insured (up to ₹ 5000), on a cashless basis.
Room Modifierk
Upgrade or downgrade your room category as per your preference (Available for sum insured options ₹ 5L and ₹ 7.5L).
BeFit h
Enjoy cashless benefits like OPDm, pharmacy, physiotherapy, and diagnostics via our mobile app (Available for first-time buyers under 65).
Maternity Benefit
Covers normal and C-section deliveries up to 10% of the annual sum insured (up to ₹ 1 lakh) after a 2-year waiting period.
New Born Baby Cover
Covers hospitalization expenses for your newborn up to 90 days, with double the maternity coverage amount.
Infinite Carea
Covers medical expenses for single claim during the lifetime of the policy without any limits on the Annual Sum Insured.
For more information Download Policy wording.
Elevate Health Insurance: 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 c
- Domestic Road Ambulance
- Donor Expenses
- Wellness Program
- In patient Hospitalisation (Surrogate and Oocyte Donor)
Add On Benefits
- Infinite Care a
- Power Booster (Super loyalty Bonus)
- Chronic disease Management
- Maternity Benefit
- New Born Baby Cover
- Vaccination for new born baby in first year
- BeFit h
- Worldwide Cover n
- Claim Protector
- Inflation Protector i
- Domestic Air Ambulance Cover f
- Nursing At Home
- Compassionate Visit
- Health Check-Up
- Personal Accident
- Tele consultation(s) (Unlimited Times)
- 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 l
- Specific Illness Waiting Period Reduction
- Worldwide Cover n Waiting Period Reduction
- Room Modifier k
- Network Advantage
- NRI Advantage ( Accidental Emergency Cover for NRI)
Note: It is only an indication of the inclusion list of the policy. For complete details, please refer the complete policy documents including the policy wordings.
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 IRDA
Specified Disease
- Expenses related to specified disease for 24 months.
- If the specified disease/procedure falls under the waiting period specified for the pre-existing disease – the longer of the two waiting periods shall apply, such as-
- 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 curettage
- Varicose veins
- Non-infective arthritis
- Gout Rheumatoid
Note: It is only an indication of the exclusion list of the policy. For complete details, please refer to the complete policy documents including the policy wordings.
How can you buy Elevate policy online
Individual Health Policy
This policy covers one person’s medical expenses, including hospital stays, treatments, and other healthcare needs. It ensures financial support during emergencies or long-term illnesses. Each family member needs a separate policy under this plan.
Family Floater Policy
A family floater covers multiple family members under a single policy with a shared sum insured. One premium covers the policyholder, spouse, children, and sometimes parents. Any member can use the insured amount as needed.
Lower Premiums
Younger individuals pay lower premiums as they are less likely to face serious health issues.
Pocket-friendly Start
Starting early locks in lower premium rates. Premiums may increase later due to age changes, tax revisions, or product updates.
Lifestyle Diseases
Modern lifestyles have increased conditions like obesity, diabetes, and hypertension. Early insurance can help manage future costs.
Affordable Coverage
Features like maternity benefits and ambulance charges are available at lower costs when insured at a younger age.
Pre-existing Disease Coverage
Buying early ensures you complete waiting periods sooner, enabling future claims for treatments.
Managing Waiting Period
Early purchase helps overcome waiting periods before needing major treatments.
- Sum Insured
- Type of Policy
- Waiting Period
- Cashless Treatment Facility
- Additional Sum Insured
- Age: Younger individuals pay lower premiums.
- Medical History: Family history of serious diseases may increase premiums.
- Body Mass Index (BMI): Higher BMI can result in higher premiums.
- Smoking Status: Smokers may have higher premium rates.
- Pre-existing Conditions: Health issues before purchase can raise costs.
- Location: Living in areas with higher medical costs may impact premiums.
- Occupation: Stressful or hazardous jobs can lead to higher premiums.
Mediclaim
- Covers only hospitalisation expenses.
- Limited coverage up to ₹5 lakh.
- No add-ons and little flexibility.
Health Insurance
- Covers hospitalisation, annual check-ups, OPD expenses, AYUSH treatments, and more.
- Offers add-ons like Critical Illness and Maternity Cover.
- Flexible and customisable as per needs.
- Waiting Period
- Incorrect Information
- Permanent Exclusions
- Lapsed Policy
- Delay in Claim Submission
- Coverage: Ensure the plan covers essential treatments, including pre-existing conditions if needed.
- Premiums: Select a plan that fits your budget without compromising essential coverage.
- Network Hospitals: Check the list of hospitals covered, including options for out-of-network hospitals.
- Deductibles: Choose an affordable deductible to avoid high out-of-pocket costs later.
- Co-payments: Understand the co-payment terms to ensure it is manageable during a medical
Yes, your spouse can be added either at the time of renewal or during the policy term (subject to conditions). A revised premium will apply.
The information mentioned herein above is only for consumption by the client and such material should not be redistributed.
ICICI Securities Ltd. ( I-Sec). Registered office - ICICI Venture House, Appasaheb Marathe Marg, Prabhadevi, Mumbai - 400 025, India, Tel No : 022 - 6807 7100. I-Sec acts as a Composite Corporate agent having registration number –CA0113. Corporate Agent of ICICI Prudential Life Insurance Company Ltd, HDFC Life Insurance Company Limited, ICICI Lombard General Insurance Company Ltd, Care Health Insurance Ltd, Star Health and Allied Insurance Ltd, HDFC ERGO General Insurance Company Limited, ManipalCigna Health Insurance Company Ltd, Aditya Birla Health Insurance Co. Limited, Tata AIG General Insurance Company Limited & Go Digit General Insurance Limited. Please note, Insurance related services are not Exchange traded products and I-Sec is acting as a corporate agent to solicit these products. All disputes with respect to the distribution activity, would not have access to Exchange investor redressal forum or Arbitration mechanism. The contents herein above shall not be considered as an invitation or persuasion to trade or invest. I-Sec and affiliates accept no liabilities for any loss or damage of any kind arising out of any actions taken in reliance thereon. Investments in securities market are subject to market risks, read all the related documents carefully before investing. Insurance is the subject matter of the solicitation. The advertisement contains only an indication of the cover offered. For more details on risk factors, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale. ICICI Securities Ltd. does not underwrite the risk or act as an insurer.
ICICI Securities Ltd Having registered address at ICICI Venture House, Appasaheb Marathe Marg, Prabhadevi, Mumbai - 400025, India. ICICI Securities Ltd (I-Sec) is a Corporate Agent (CA0113) of ICICI Lombard General Insurance Company Limited (“ICICI Lombard”). Insurance is underwritten by ICICI Lombard. ICICI Securities Ltd customer participation in the policy is entirely voluntary. The advertisement contains only an indication of cover offered. For more details on risk factors, terms, conditions and exclusions, please read the sales brochure / policy wordings carefully before concluding a sale. ICICI trade logo displayed above belongs to ICICI Bank and is used by ICICI Lombard GIC Ltd. under license and Lombard logo belongs to ICICI Lombard GIC Ltd. ICICI Lombard General Insurance Company Limited, ICICI Lombard House, 414, P. Balu Marg, Off Veer Savarkar Road, Near Siddhi Vinayak Temple, Prabhadevi, Mumbai 400025. Toll Free: 1800 2666 Fax No: 022 61961323 IRDA Reg. No. 115 CIN: L67200MH2000PLC129408 Customer Support Email Id: customersupport@icicilombard.com Website Address: www.icicilombard.com. Product Name: Elevate UIN: ICIHLIP25048V042425
a. Disclaimer for Infinite Care Add-on: “Infinite care add-on can be opted only during first 2 policy years for domestic coverage only”.
b. Disclaimer for Power Booster Add-on: “Power Booster (Super Loyalty Bonus Add on) cannot be opted with unlimited sum insured option. Bonus can be utilised only after annual sum insured is exhausted”.
c. Disclaimer for Reset Benefit for Elevate: “Reset Benefit will not trigger for the first claim made during the Policy Year and reset benefit amount cannot be carried forward to subsequent years. Applicable for domestic coverages only”.
d. Disclaimer for Tele Consultation(s): “The Medical Practitioner may suggest/recommend/prescribe over the counter medications based on the information provided, if required on a case to case basis. However, the services under this Benefit should not be construed to constitute medical advice and/or substitute the Insured Person's visit/ consultation to an independent Medical Practitioner/Healthcare professional”.
e. Disclaimer for Credit Score for Elevate: “Maximum up to 15% discount based on credit score”.
f. Disclaimer for Domestic Air Ambulance Cover: “Available where Domestic Road Ambulance services are not available. Certificate of Medical Practitioner, stating transportation is for medically necessary treatment, is required”.
g. Disclaimer for Claim Protector for Elevate: “For domestic coverage only. Any Sum Insured accrued under loyalty Bonus / Inflation Protector / Reset benefit will not be available for this cover”.
h. Disclaimer for Befit for Elevate: “BeFit add-on can only be opted by Insured Person(s) up to the age of 65 years during first time issuance”.
i. Disclaimer for Inflation Protector for Elevate: “The Annual Sum Insured will be increased on cumulative basis at each Renewal on the basis of inflation rate in previous year. Inflation rate would be computed as the average Consumer Price Index of the entire calendar year published by the Central Statistical Organization (CSO). The % increase will be applicable only on Annual (base) Sum Insured under the Policy and not on Loyalty Bonus or any other Covers which leads to increase in Sum Insured”.
j. Disclaimer for Health Assistance for Elevate: “These services are a part of wellness program”.
k. Disclaimer for Room Modifier for Elevate: “Downgrade to 1% of Annual Sum Insured for normal room and 2% of Annual Sum Insured for ICU per day is only available for SI options, Rs. 5 L and 7.5 L. Room upgrade option is not available for Rs. 5 and 7.5L SI”.
l. Disclaimer for Option to Reduce Maternity Waiting Period: “Once chosen, this optional cover will have to be opted for a period of 2 continuous policy years”.
m. Disclaimer for OPD Claims Elevate: “The feature is only available if Befit cover is opted and additional premium is paid”.
n. Disclaimer for Worldwide Cover: “Negatively listed countries and countries exhibiting negative geographies are excluded from the scope of coverage under Worldwide Cover. Negatively listed countries and countries exhibiting negative geographies means those countries / territories / geographies which are placed in the Grey and Black List by the FATF (Financial Action Task Force). For updated list please visit: https://www.fatf-gafi.org/en/countries/black-and-grey-lists.html. This add-on can be availed by customers up to the age of 65 years residing in India and are within the geographical boundaries of India during Policy issuance. We will cover only the Insured Person for Hospitalization expenses including planned Hospitalization incurred outside India and anywhere across the world including USA and Canada, up to the Sum Insured subject to a maximum of Rs. 3 Cr, subject to the terms & conditions specified in the policy documents. Worldwide cover is available only on cashless basis”.
o. Disclaimer for AI Elevate: “Additional Coverages will be recommended basis the information provided”.
p. Disclaimer for Discounts on Services/Products: “These services are a part of wellness program”.
Disclosure: Insurance Products are regulated by Insurance Regulatory and Development Authority of India. ICICI Securities Limited (I-Sec) is a IRDA registered Corporate Agent with Reg. no.: CA0113.
I-Sec is just acting as distributor and all disputes with respect to such distribution activity, would not have access to SCORES/ODR, Exchange investor redressal forum or Arbitration mechanism.
*Please note Brokerage would not exceed the SEBI prescribed limit.