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ICICI Lombard
Elevate
The ladder that ends in Unlimited - Sum Insured from ₹5 Lakh upward with an Unlimited option at the top, on policy terms of one to five years.
PLAN SELECTION
1 plan available with 10 sum insured options
What you should know first
Where this plan is strong, where to watch - and how it performs on what matters most.
At a glance
5 strong5 to watch
What's strong
- Loyalty bonus +20% a year, claim or not - never clawed back.
- 90 days pre-, 180 days post-hospitalisation, both to full cover.
- No day-care list - any short procedure qualifies by its nature.
- Robotic surgery and oral chemotherapy paid to full cover, uncapped.
- Mental health at full parity - no sub-limit, no exclusion.
What to watch
- Pre-existing conditions wait 36 months; the buy-down is day-one only.
- Extra 90-day wait for diabetes, blood pressure and cardiac conditions.
- Reset never funds the year's first claim - one big claim gets no refill.
- Maternity caps at ₹1 lakh whatever your cover, and only at renewal.
- No funded second opinion; OPD is app-cashless only.
What Matters Most
FeatureKey DetailOur Verdict
Standard
Standard
Standard
Standard
Strong
Strong
Standard
Standard
Standard
Standard
Limited
Limited
Next
You’ve read the shape of this cover. Now put a real bill through it.
Policy Features Breakdown
Filter by the worry on your mind to see how this plan handles each concern - its sub-limits, waiting periods and the catches.
What are you worried about?
All Policy Features41 features
StandardCommonly Missed
Your room is covered up to a Single Private AC room, Take a costlier room and your room, nursing, operation theatre and doctor charges are paid on a pro-rata basis. Optional Cover, Room Modifier, removes the room limit or lowers it.
Coverage detailstap any row to understand it
Watch out
A Single Private AC room is defined as the hospital's most basic and most economical single room, so a better single room can still count as an upgrade. The room benefit needs an admission of more than 24 hours unless you buy the 2-Hour Hospitalization option.
StandardCommonly Missed
Anything a doctor diagnosed, advised on or treated in the 36 months before you bought, waits 36 months before it is paid for. You can pay to cut that wait to 24 or 12 months, but only at policy start. A separate optional cover, Jumpstart, brings six common conditions - including diabetes and high blood pressure - into cover from Day 31.
Coverage detailstap any row to understand it
Watch out
Both buy-downs have to be chosen when the policy starts; you cannot add them at a later renewal, and each must be kept for 3 continuous policy years. If you raise your Sum Insured later, the 36-month wait starts again on the increased amount. After 60 continuous months of cover, no claim can be contested except on grounds of established fraud.
Strong
ICU charges are covered at actual cost with no daily cap. The pro-rata cut for taking a costlier room does not apply to ICU charges. A cap appears only if you choose the Room Modifier option that limits ICU to 2% of the Sum Insured per day.
Coverage detailstap any row to understand it
Watch out
The 2% per day cap comes bundled with a 1% per day room cap under Optional Cover 28 - you cannot take one without the other. The default cover has no ICU limit at all.
StandardCommonly Missed
Once a claim has been paid in the year, later bills can draw up to 100% of your Sum Insured again, any number of times, for the same illness or a new one. Two limits set its real size: the first claim of each year never gets it, and a year's resets cannot cross 100% of Sum Insured.
Coverage detailstap any row to understand it
Watch out
The first claim of a policy year never gets the reset, so one large bill early in the year is paid only from your Sum Insured and accrued bonus. If you buy the Vital Essence add-on, the reset drops from unlimited times to once a year.
Standard
Called the Loyalty Bonus. 20% of your Sum Insured is added on for the next year at every renewal, whether or not you claimed, up to a ceiling of 100%. You can spend it only after the Sum Insured itself is used up, and it does not apply on the unlimited Sum Insured option.
Coverage detailstap any row to understand it
Watch out
Two optional covers lift the yearly bonus to 100% of Sum Insured with no ceiling - Power Booster and Power Booster Plus - but you can hold only one of them at a time. None of the accrued bonus is available for Worldwide Cover, Bariatric Surgery Cover or Claim Protector claims.
Limited
Elevate funds no separate pool above your Sum Insured. Cover beyond it comes from the Reset Benefit: one claim is paid from your Sum Insured, then the bonuses, then up to 100% of your Sum Insured in reset money, so a single bill can be paid past what you bought. The first claim of each policy year gets none of it.
Coverage detailstap any row to understand it
Watch out
It applies only to claims admitted under In-patient Treatment, Day Care Treatment or In-patient AYUSH Hospitalisation, and only inside India.
Specific Illness Waiting Periods
These conditions are covered after a waiting period - not excluded. Once the wait is over, they're treated like any other illness. Select a body region, or view the entire body, to see which ones this plan names.
How long you wait, for what
Accidents
Day 1Covered from the first day, with no waiting at all.
Illness, in general
30 daysAfter the first month, ordinary illness is covered.
The listed conditions
24 monthsEach one is then covered, like any other illness.
What you already had
36 monthsConditions you declared when you bought the plan.
Nothing more to prove
60 monthsAfter this, only proven fraud can be held against a claim.
Already diagnosed with one of these? A different rule applies - conditions you already have follow the pre-existing waiting period. See how that works
Entire Body
33 ConditionsWaiting Period: 24 months
Kidney & Urinary System
Renal Calculi
Kidney Stones
Lower Abdomen & Pelvis
Hard stone-like deposits in the kidney, ureter or bladder that can block urine and cause severe pain.
The exact words
“Stones in the urinary and biliary systems.”
Section d.i.2 (Excl02) · page 84
Chronic Kidney Disease
Long-term kidney failure
Lower Abdomen & Pelvis
The kidneys slowly lose their power to clean the blood; the late stage needs dialysis or a transplant.
The exact words
“Dialysis required for chronic renal failure.”
Section d.i.2 (Excl02) · page 84
Reproductive Health
Abnormal Uterine Bleeding
Abnormal menstrual bleeding
Lower Abdomen & Pelvis · Female
Very heavy or unusual bleeding during periods.
The exact words
“Dysfunctional uterine bleeding.”
“Dilatation and curettage.”
Section d.i.2 (Excl02) · page 84
Endometriosis
Lower Abdomen & Pelvis · Female
A painful problem where womb tissue grows outside the womb.
The exact words
“Endometriosis.”
Section d.i.2 (Excl02) · page 84
Benign Prostatic Hyperplasia
Enlarged prostate
Lower Abdomen & Pelvis · Male
A common swelling of a male gland that causes trouble urinating.
The exact words
“Benign prostatic hypertrophy.”
Section d.i.2 (Excl02) · page 84
Policy Exclusions
What this plan won’t pay for
We read all 34 exclusion clauses in this policy. 18 clauses change what you’d actually claim.
Never paid
4 clausesNo waiting period reaches these - the plan does not cover them at all.
Paid, but only if…
13 clausesWritten as exclusions, but the policy states a way in. The condition is the whole point.
Not yet - a wait applies
1 clauseCovered eventually, on a clock that isn't part of the standard waiting periods.
Premium discounts
Ways to pay less
Every discount printed in this policy’s own documents - what it’s worth, who qualifies, and what it asks in return.
Just for qualifying
3 discountsNothing is given up in return - you either meet the condition or you don't.
Policy discount
up to
About the provider
ICICI Lombard
Filed plan · UIN ICIHLIP27057V062627
General insurerSince 2000
Comparisons· 10 pairs
Put it next to another plan
Elevate beside each of the other plans on the shelf: every clause that differs, read from the policy wording.
Sources
Everything on this page is read from the insurer’s own filings. It is an educational summary - not advice, not a recommendation to buy, and we sell nothing.
Plan facts last updated 17 Aug 2026.
IRDAI UIN: ICIHLIP27057V062627