ICICI Lombard Elevate
ICICI Lombard · health insurance
“Why waste time say lot word, when few word do trick?”
A feature-rich modular plan: a claim-proof loyalty bonus, long pre/post windows and add-ons such as Jumpstart. We have not yet verified its sum insured range, entry age or pre-existing wait.
- Not scored yet
- Pricing band: Quote-based (age, city and cover)
- Best for: families, metro-buyers
Key facts
- Score
- Not scored yet
- Pricing
- Quote-based (age, city and cover)
- Best for
- families, metro-buyers
Plan details from the policy wording
Product UIN ICIHLIP27057V062627. Checked on 2026-10-18. Fields marked “Not yet verified” were not in the documents we reviewed.
| Sum insured options | Not yet verified |
|---|---|
| Entry age | Not yet verified |
| Room rent | Up to a single private AC room (Room Modifier add-on available) |
| Co-payment | None mandatory; voluntary co-payment and voluntary deductible are optional covers |
| Pre-existing disease wait | Not yet verified |
| Initial waiting period | Not yet verified |
| Specific illness wait | Up to 24 months (policy definition) |
| Restoration / reset | Reset Benefit: up to 100% of sum insured, unlimited times a year; not triggered for the first claim and not available with unlimited sum insured |
| No-claim / cumulative bonus | Loyalty Bonus of 20% of sum insured a year up to 100%, credited whether or not you claim. Optional Power Booster adds 100% a year |
| Pre / post hospitalisation | 90 days before / 180 days after |
| Day care | Covered |
| AYUSH | In-patient AYUSH covered at government-recognised AYUSH hospitals or day care centres |
| Notable optional add-ons | Infinite Care (one claim without a sum insured limit), Jumpstart (listed chronic conditions covered from day 31), Power Booster, BeFit OPD, Worldwide Cover up to Rs 3 crore |
Sources
Insurers revise wordings. The policy wording issued with your policy is what counts, so check it before you buy.
Detailed review
Pros
- Loyalty Bonus grows cover by 20% a year even if you claim
- 90-day pre- and 180-day post-hospitalisation windows
- Jumpstart add-on covers listed conditions such as diabetes and hypertension from day 31
Cons
- Room cover stops at a single private AC room unless you buy the Room Modifier
- Reset Benefit does not trigger on the first claim of the year
Our verdict
tldr.money editorial score: Not scored yet
A feature-rich modular plan: a claim-proof loyalty bonus, long pre/post windows and add-ons such as Jumpstart. We have not yet verified its sum insured range, entry age or pre-existing wait.
This is our editorial assessment, not a customer rating, and we do not publish testimonials. See how we score.
Alternatives to compare
| Criteria | ICICI Lombard Elevate | ICICI Lombard Health Shield 360 |
|---|---|---|
| Score | Not scored yet | 7.9/10 |
| Pricing | Quote-based (age, city and cover) | Rs 16k-31k |
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FAQ
Does ICICI Lombard Elevate have a room-rent limit?
Up to a single private AC room (Room Modifier add-on available). Source: ICICI Lombard Elevate policy wordings, UIN ICIHLIP27057V062627.
What are the waiting periods in ICICI Lombard Elevate?
Specific illnesses: Up to 24 months (policy definition).
Is there a co-payment in ICICI Lombard Elevate?
None mandatory; voluntary co-payment and voluntary deductible are optional covers
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