Elevate in one table
| Insurer | ICICI LOMBARD General Insurance Company Limited |
|---|---|
| Sum insured | From ₹5 lakh, with no maximum sum insured stated in the prospectus. The Worldwide Cover option is capped at ₹3 crore |
Claim settlement and complaint figures are IRDAI-published and held centrally by NYVO, not taken from the insurer's marketing.
What Elevate covers
These are the terms that decide what you are actually paid when you claim. Room rent, co-pay and restoration do more to shape a settlement than the sum insured does, and they are read from ICICI Lombard's own policy wording.
| Feature | This plan | What good looks like |
|---|---|---|
| What kind of plan this is | Indemnity health insurance. It reimburses hospital bills up to the sum insured. | Read this first |
| Co-payment | No co-payment as standard, and no zone-based co-payment. A voluntary co-payment of 10% to 50% can be chosen for a lower premium | No Co-payment |
| Room Rent Limit | Capped at a single private A/C room. Take a higher category and a proportionate deduction applies to the associated medical expenses | No room rent capping |
| Disease sub-limit | No disease sub-limits in the base cover | No sub-limit |
| Loyalty Bonus | 20% of the sum insured for each completed and continuous policy year, up to 100%, with no reduction in the event of a claim | 50% each year (Minimum upto 100%) |
| Reset Benefit | Up to 100% of the base sum insured, unlimited times, for any illness, disease or injury. It does not apply to the first claim of the policy year | 100% restoration once in a year |
| Pre-Hospitalization | 90 days | At least 60 days |
| Post-Hospitalization | 180 days | At least 120 days |
| Consumables | Not in the base cover – the Claim Protector optional cover makes the non-payable list payable up to the sum insured | Consumables covered |
| Day Care Procedures | All day care procedures covered up to the sum insured | Covered without a capped list |
| Bariatric Surgery | Covered up to the sum insured after a two-year wait, or 30 days if Jumpstart is taken | Included |
| Convalescence and home nursing | Optional: a ₹20,000 lump sum after 10 consecutive days in hospital, and home nursing at ₹2,000 a day for up to 10 days | Included |
| AYUSH Treatment | Covered up to the sum insured, as an in-patient | Included |
| Entry age | From 6 years, with the proposer 18 or above. Children aged 91 days to 5 years only on a floater. No practical maximum entry age | No maximum entry age |
Elevate add-ons you can buy with it
Each of these costs extra and each has its own conditions. Some are genuinely worth it; several exist to patch a gap in the base plan. Ask what each one adds before it goes on your quote.
Elevate discounts you can ask for
Published discounts on this plan. Most are applied at quote stage rather than offered, so it is worth naming the ones you qualify for. Every figure is a ceiling, not a promise - what you actually get depends on the case.
| Discount | Worth | When it applies |
|---|---|---|
| Tenure discount | Up to 10% or 15% | 10% off the second year's premium on a 2-year policy, and 15% off from the third year onwards on longer policies, up to five years. |
| Zone discount | Up to 10% or 15% | 10% off the Zone A premium in Zone B and 15% in Zone C. Rest-of-NCR districts carry a 12.5% loading instead. |
| NRI Advantage | Up to 25% | For Non-Resident Indians and Overseas Citizens of India on the base cover premium, with proof of overseas residence at every renewal. |
| Network Advantage | Up to 10% | 10% off the premium for agreeing to use network hospitals. The catch is a 20% co-payment on any treatment taken at a non-network hospital. |
| Voluntary co-payment | Up to 10% to 50% | Agree to bear that share of every claim and the premium falls accordingly. |
| Voluntary deductible | Varies | Agree to fund the first slice of each year's claims yourself in exchange for a lower premium. |
| Wellness points | Varies | Points earned through health assessments, wellness activities and fitness challenges are redeemed as a discount on the next renewal premium. |
From the ICICI Lombard Elevate prospectus. Premium also varies by zone, and there is no zone-based co-payment on this plan.
Elevate waiting periods: when each part of the cover starts
Waiting periods run from the day cover began, not from the day you fall ill, and they run in parallel rather than one after another.
| Initial Waiting Period | 30 days |
|---|---|
| Diabetes, hypertension and cardiac conditions | 90 days, unless declared as pre-existing and accepted at underwriting |
| Specific Illness | 24 months, or 12 months with the reduction option |
| Pre-Existing Disease | 36 months, or 24 or 12 months with the reduction option, or 30 days for the six conditions Jumpstart covers |
The named illnesses that wait 24 months
Payable once the policy has run 24 months without a break; an accident is covered from day one. This list is indicative – the policy wording carries the full set.
Elevate exclusions: what the plan will not pay for
Every policy carries exclusions, and they are the clauses people read for the first time at claim stage. These are the ones worth knowing before you buy.
Where Elevate falls short
No plan is right for everyone, and a page that only lists strengths is not much use to you. These are the gaps we would raise on a call before recommending it.
Elevate questions, answered
Does Elevate cap the room I can take?
Yes. The base cover entitles you to a single private air-conditioned room and lists it as a sub-limit in the customer information sheet. Take a higher category and you bear a proportionate share of the associated medical expenses – the surgeon's fee, the theatre charge and so on – not just the difference in room rent. The Room Modifier optional cover removes the restriction, or you can use it to downgrade to twin sharing for a cheaper premium.
I have diabetes or high blood pressure. What should I watch for?
Two clocks, not one. Expenses for hypertension, diabetes and cardiac conditions are excluded for the first 90 days from the policy start date unless they are pre-existing and were disclosed at underwriting. If they are declared and accepted as pre-existing, the ordinary 36-month pre-existing wait applies instead, which the Jumpstart option cuts to 30 days. Either way, declaring the condition is what protects you – not declaring it leaves you exposed both ways.
Is the Loyalty Bonus a no-claim bonus?
No. The wording says the bonus of 20% is added for each completed and continuous policy year and that there is no reduction in the event of a claim. So claiming does not reset what you have built. The limit is that it stops at 100% of the sum insured, which takes five years. The optional Power Booster adds 100% a year instead, also irrespective of claims.
How many times does the Reset Benefit refill the cover?
Unlimited times in a policy year, up to 100% of the base sum insured each time, and it applies to any illness, disease or injury – including the one you have already claimed for. The single restriction is that it does not apply to the first claim of the policy year, so it is there for the second and subsequent claims.
Are consumables covered?
Not as standard. Claim Protector is an optional cover that makes the items on IRDAI's non-payable list payable up to the annual sum insured whenever a hospitalisation or day-care claim is accepted. Without it, gloves, PPE, syringes and similar charges are deducted from what you get paid. Price it into the quote before you compare.
How large a cover can I buy?
The prospectus sets a minimum sum insured of ₹5 lakh and describes the maximum as unlimited, so very large covers are available on request. The optional Worldwide Cover, which pays for planned and emergency treatment abroad including the USA and Canada, is separately capped at ₹3 crore and can only be issued to someone aged up to 65.
Read it from the insurer
We summarise. The policy wording is the contract, and it is the only document that settles a dispute. These links go to the insurer's own pages.
Understand the terms before you commit
A plan page tells you what this policy does. These explain why each term matters and what it costs you when it is missing.
Other ICICI Lombard plans we have read
ICICI Lombard files these separately, and the terms differ between them. If you are choosing within the range, compare the waiting periods and the exclusions rather than the sum insured.