Insurance Company
ICICI LOMBARD General Insurance
Policy Name
Elevate
Expert Overview -
ICICI Lombard was established in 2001 and is among India’s most experienced private general insurers. Its long operating history has helped it build a robust health insurance business with consistent service standards.
Plan Strategy -
Premium health insurance policy offering enhanced medical coverage and comprehensive benefits for complete healthcare needs including extended post-hospitalization coverage
Network Hospitals
10,500+
>8,500 recommended
Claim Ratio
84.28%
>95% recommended
Complaints
11.649
<20 recommended
Policy Features
Policy Analysis Detail
Inbuilt Value
Strategic Verdict
Co-payment
If yes, you will have to pay part of bill
No co-payment
No Co-payment
Room Rent Limit
If higher-category room, you pay part of the bill
No room rent capping
No room rent capping
Disease sub-limit
Leads to some disease not getting covered fully
No sub limit applicable
No sub-limit
No Claim Bonus
Bonus you receive every year on renewal
20% cumulative bonus up to 100%
50% each year (Minimum upto 100%)
Restoration Benefit
Even after claim, base cover gets restored
Unlimited restoration available
100% restoration once in a year
Pre-Hospitalization
Days covered before hospitalization
90 days
At least 60 days
Post-Hospitalization
Days covered after hospitalization
180 day
At least 120 days
Consumables
Coverage for non-medical consumable items
Non-medical consumables excluded
Consumables covered
Based on IRDAI Public Disclosures (2025-26)
Enhanced Coverage
Key Add Ons Available
Power BoosterEach policy year, earn a cumulative bonus of up to 100% of your annual sum insured for Indenfinite period
JumpstartReduces the waiting period to just 30 days for treatments and conditions like asthma, diabetes, and hypertension
Claim ProtectorNon Payable Items
Room ModifierInsured can upgrade or downgrade as per choice
Critical illness20 Listed Critical illness
Timing Constraints
Waiting Period Analysis
Initial Waiting Period
30 days
Specific Illness
2 years
Pre-Existing Disease
3 years
