Health Insurance

• Protects You from High Medical Costs
• Gives access to better healthcare services
• Helps you stay financially protected in case of illness or emergency
• Often covers regular check-ups and preventive care

A comprehensive health insurance plan offering:

• Flexible sum-insured options with value-added services like reward points, teleconsultations, second medical opinions, and diagnostics.

• Key benefits include unlimited reset of sum insured, 100% sum insured increase each renewal year, one unlimited claim per lifetime.

A top-up policy that kicks in after your base policy’s sum-insured is exhausted. Works on a deductible model for additional financial protection.   

• Private Insurance- Offered by companies, employers, or purchased individually.

• Family or Individual Plans- Coverage for just you or your entire family.

• You pay a regular fee yearly.

• In return, your insurance pays for a portion of your medical care.

• Some plans cover more services than others, depending on the provider and plan type.

Elevate policy by ICICI Lombard is a comprehensive health insurance policy that covers hospitalization, OPD visits, diagnostic tests, wellness programs, and more. It is designed to offer all-round protection for individuals and families.

Yes. Full body check-ups are available under the annual health check-up benefit. This is an add-on cover and can be availed by paying an additional premium.

Yes, OPD expenses are covered only if the BeFit benefit has been purchased.

Most Elevate plans offer coverage for private single AC rooms. Room eligibility depends on the variant chosen and ensures comfort during hospitalization.

The minimum age limit for taking this policy is 18 years, and there is no maximum age limit. Dependent children can be covered from 91 days and 30 years, financially dependent on the Insured and does not have his / her independent sources of income

Yes, Elevate offers both individual and family floater options. A family floater covers multiple family members under a single sum insured.

Yes, Elevate has a wide network of hospitals that includes leading corporate, private, and multispecialty hospitals across India for cashless treatment.

No, Elevate covers medical expenses only within India. Overseas treatments are not included in this policy.

Yes, selected Elevate plans offer maternity coverage after a specific waiting period . It includes delivery costs and newborn baby treatment expenses.

You can port your current health insurance policy to Elevate by applying at least 45 days before renewal.

These plan types vary in benefits and coverage. Basic offers core coverage, Essential adds extra features, and Recommended provides the most extensive protection with higher limits and additional wellness benefits.

Premiums paid for Elevate Health Insurance are eligible for tax deductions under Section 80D of the Income Tax Act—up to ₹25,000 for individuals and ₹50,000 for senior citizens.

Premiums may be revised based on your age, claims history, or product updates. However, all changes are shared transparently at the time of renewal.

You can file a claim by submitting bills, prescriptions, and reports incurred during the 60-day post-discharge period. These are reimbursed as per policy terms.

In an emergency, visit the nearest hospital and inform the insurer or TPA within 24 hours of admission. You can avail cashless treatment if the hospital is in-network.

If your claim is denied, you can submit additional documents or request a re-evaluation. You also have the right to escalate it through the grievance redressal process.

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 policy is available for 1, 2, 3,4 &5 years. Longer tenures often come with premium discounts and uninterrupted coverage.

If the policy is not renewed within the 30-day grace period, coverage will lapse and you may lose accumulated benefits like waiting period waivers and continuity.