Health Elite
ICICI Lombard Health Insurance
Highlighted Features
Advanced Treatments
Includes cutting-edge procedures like robotic surgeries, deep brain stimulation, and bronchial thermoplasty for enhanced medical care.
Room Rent (Normal & ICU)
Provides flexibility in hospital room selection with complete cost coverage up to the sum insured.
Brochure
Policy Wording
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Our Verdict
ICICI Lombard Health Elite offers broad coverage up to ₹50 lakh with maternity, OPD, and global treatment options. Ideal for families and individuals seeking extensive, flexible health protection, though premiums may rise with add-ons.
About the Plan
The Health Elite plan by ICICI Lombard offers comprehensive health coverage with sum insured options ranging from ₹3 lakh to ₹50 lakh. It includes in-patient treatment, pre- and post-hospitalization expenses, day care procedures, emergency services, and donor expenses. Additional benefits encompass maternity coverage and outpatient treatment extensions. Policyholders can also access a vast network of over 6,700 cashless healthcare providers, ensuring quality medical care without financial strain. This plan is designed to provide extensive protection against various medical expenses, catering to diverse healthcare needs.
About the Plan
Features of the Product
Room Rent (Normal & ICU)
Normal: Coverage up to the chosen sum insured, allowing flexibility in room selection.
ICU: Expenses covered up to the sum insured, ensuring access to intensive care when necessary.
Advanced Treatments
Stem Cell Therapy
Robotic Surgeries
Oral Chemotherapy
Deep Brain Stimulation
Bronchial Thermoplasty
Intra Operative Neuro Monitoring (IONM)
Co-payment
Policyholders can opt for a co-payment of 10% or 20%, sharing a fixed percentage of the claim amount, which can help reduce premium costs.
Waiting Periods
Initial Waiting Period: 30 days from policy inception for all illnesses, except accidents.
Specific Diseases: 24-month waiting period for certain specified conditions.
Pre-existing Conditions: Coverage begins after a 36-month waiting period.
Cashless Healthcare Providers
Access to over 6,700 network hospitals and clinics for cashless treatments, ensuring convenient and hassle-free medical care.
Day Care Treatments
Covers medical procedures requiring less than 24-hour hospitalization, such as cataract surgery and chemotherapy, accommodating treatments that don't necessitate extended hospital stays.
AYUSH Treatment
Expenses for alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered when availed at government-recognized institutions, promoting holistic healthcare options.
Exclusions
Pre-existing conditions within the waiting period of 36 months.
Cosmetic or aesthetic procedures unless medically necessary due to injury.
Injuries caused by hazardous activities or self-inflicted harm.
Treatments for substance abuse, alcohol dependency, or related complications.
Non-allopathic treatments (except AYUSH) and experimental procedures not recognized by medical authorities.
Expenses related to fertility treatments, surrogacy, and childbirth outside covered maternity benefits.
Treatment outside India unless the global coverage benefit is included.
Injuries or illnesses caused by participation in illegal activities or war-related events.
Exclusions
Maternity Coverage - Coverage for maternity expenses, including pre- and post-natal care, as well as newborn baby care.
Critical Illness Rider - Provides a lump sum benefit upon diagnosis of covered critical illnesses.
Room Rent Waiver - Option to remove sub-limits on room rent for unrestricted accommodation choices.
OPD Coverage - Reimbursement for outpatient consultations, diagnostics, and pharmacy bills without hospitalization.
Worldwide Coverage - Option to include global healthcare coverage for treatment abroad.
Add-ons
Looking for a Specific Hospital ?
Why OneAssure?
We help you maximize your coverage over time for stronger protection.
About the Company
ICICI Lombard is a leading private sector general insurance company in India, offering a comprehensive range of products, including health, motor, travel, and home insurance, through multiple distribution channels.
Their Elevate Health Policy is a customizable health insurance plan designed to provide extensive coverage for hospitalization and daycare treatments. Key features include unlimited reset of the sum insured, cashless approval within two hours, and a 30% discount on renewals for active living. Additionally, the plan offers a 100% increase in the sum insured every year and unlimited sum insured on any one claim during the policy lifetime, ensuring policyholders have access to necessary medical care without financial strain.
CEO and MD of ICICI Lombard general insurance company limited, Mr Sanjeev Mantri ensures that their vision and values align with providing a financial cushion to the policyholders during any health crisis.
About the Company
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