Smart Health Insurance Plan
ICICI Lombard Health Insurance
Highlighted Features
Room Rent & ICU Coverage
Covers hospital room and ICU charges up to the sum insured, ensuring policyholders receive necessary medical care without additional financial burden.
Advanced Medical Treatments
Includes robotic surgeries, stem cell therapy, deep brain stimulation, bronchial thermoplasty, and IONM, offering access to cutting-edge medical procedures for complex health conditions.
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Policy Wording
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Our Verdict
ICICI Lombard Smart Super Health Insurance offers extensive coverage with sum restoration and AYUSH benefits. Ideal for individuals and families seeking high coverage with comprehensive hospitalization support.
About the Plan
The ICICI Lombard Smart Super Health Insurance Plan offers comprehensive coverage with sum insured options ranging from ₹5 lakh to ₹1 crore. It includes in-patient hospitalization, pre-hospitalization (60 days), post-hospitalization (90 days), day care treatments, and domiciliary hospitalization. The plan features a 100% sum insured restoration benefit and covers alternative treatments under AYUSH. Policyholders can avail cashless treatment across a vast network of hospitals. Pre-existing diseases are covered after a 48-month waiting period.
About the Plan
Features of the Product
Room Rent (Normal & ICU)
Normal: Covered Up to Sum Insured
ICU: Covered Up to Sum Insured
Advanced Treatments
Robotic surgeries
Stem cell therapy
Deep brain stimulation
Bronchial thermoplasty
Intra-operative neuro monitoring (IONM)
Co-payment
A co-payment applies in certain cases. If treatment is availed in a higher-tier city while paying a lower-tier premium, a 20% co-payment applies.
Waiting Periods
Initial Waiting Period: 30 days (except for accidental injuries).
Pre-existing Diseases: Covered after 48 months
Specific Illnesses & Surgical Procedures: 24-month waiting period
Cashless Healthcare Providers
The policy provides access to over 10,000+ network hospitals, ensuring cashless treatment at recognized healthcare facilities.
Day Care Treatments
Covers all day care procedures requiring hospitalization of less than 24 hours. Treatments such as cataract surgery, chemotherapy, and minor surgical procedures are included.
AYUSH Treatment
Alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy (AYUSH) are covered.
Exclusions
30-day initial waiting period for all claims (except accidents).
24-month waiting period for specific illnesses and surgical procedures.
48-month waiting period for pre-existing diseases.
Self-inflicted injuries, suicide attempts, or injuries due to substance abuse.
Cosmetic or plastic surgeries, unless medically necessary.
Injuries from hazardous sports or professional adventure activities like mountaineering, deep-sea diving, or racing.
War, terrorism, or nuclear exposure-related treatments.
Experimental treatments or unproven procedures without medical backing.
Exclusions
Hospital Cash Allowance - Provides daily cash benefits of ₹500, ₹1,000, ₹2,000, or ₹3,000 (up to 30 days) for hospitalization.
Maternity Benefit - Covers maternity expenses after a 9-month waiting period, up to ₹1,00,000 for maternity and newborn expenses.
Newborn Baby Cover - Covers medical expenses for the newborn for 90 days after birth.
Critical Illness Benefit - Offers a lump sum payout of ₹2 lakh to ₹30 lakh for specified critical illnesses.
Outpatient Dental Emergency (Accident Only) - Covers emergency dental treatment expenses up to a specified limit.
Domestic Air Ambulance - Provides coverage for emergency air ambulance services up to ₹2,00,000 per policy year
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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