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ICICI Lombard Elevate Health Insurance Policy

Taken from original ICICI product page.

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. This health insurance 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(s), pharmacy and diagnostic services, online chat with doctors, second opinions, and more. Additional benefits include pre-existing disease cover, domestic and air ambulance, and convalescence benefits.

Taken from original ICICI product page.

Top reasons to buy Elevate health insurance

  • Hospitalisation & day care treatment cover

  • Unlimited reset of sum insured

  • Cashless EverywhereQ (cashless treatment at any hospital in India)

  • Up to 30% discount on renewals for staying active

  • 100% sum insured increase every yearY, irrespective of claims

  • Unlimited coverage for any 1 claim of your choice during policy lifetimeY

  • AYUSH treatment covered up to sum insured

  • Pre & post hospitalisation expenses from 90 days until 180 days

  • Road & air ambulanceY covered up to sum insured

  • Customisable waiting periodsY

  • Cashless OPD services like ordering medicines, booking lab tests, etc. (with additional premium)

  • Cashless hospitalisation worldwideGY

Taken from original ICICI product page.

What value additions does the Elevate policy offer?

Infinite care - Unlimited coverage for any one claim of your choice during your policy lifetime, ensuring reliable coverage whenever you need it the most.

Power booster (Super loyalty bonus) - Each policy year, earn a cumulative bonus of up to 100% of your annual sum insured (expiring or renewed sum insured, whichever is lower).

Reset benefits- If your remaining sum insured isn’t enough for a claim, it will reset to the base sum insured for future claims—and this can happen unlimited times.

Worldwide cover- Get coverage up to INR 3 crore on a cashless basis for hospitalisation abroad, including planned treatments. Top this up with the Worldwide cover waiting period reduction optionY and you can access the benefits of this cover in just a year instead of 2 years.

Jumpstart - Reduces the waiting period to just 30 days for treatments and conditions like asthma, diabetes, and hypertension, as long as they’re declared when you buy the policy.

OPD+ - With this rider, you get cashless coverage for outpatient care—doctor consultations, diagnostics, mental health, pharmacy, dental care, vision care, and more—via the IL TakeCare app, up to your chosen sum insured. The best part? There’s no capping on sum insured, and you get unlimited teleconsultations and mental health counselling too.

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Who needs Elevate health policy?

Any 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.

What’s included and what’s not?

Benefits Covered

  • Inpatient Treatment

  • Daycare Procedure

  • Technological advancements and Treatments

  • Pre & Post Hospitalisation

  • In patient AYUSH Hospitalisation

  • Loyalty Bonus

  • Bariatric Surgery

  • Reset Benefit

  • Domestic Road Ambulance

  • Donor Expenses

  • Wellness Program

  • In patient Hospitalisation (Surrogate and Oocyte Donor)

Add On Benefits

  • Infinite Care

  • Power Booster (Super loyalty 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)

  • Tele consultation(s) (Unlimited Times)Z

Exclusions

 

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 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

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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 as per policy terms

  • There's a waiting period of 24 months from the time this cover is opted for.

  • Applicable to all or any female Insured person between age 18 to 50 years as selected by proposer.

  • Available for your spouse provided both are covered under the same family floater Policy.

Want to know more about ICICI Lombard Elevate Health Insurance Policy or want to buy it for protection of you family please call me on 7973915519 or mail at licgaganptk@gmail.com

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