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ICICI Lombard Health Insurance ICICI Lombard Health Insurance ★ 4.4

ICICI Lombard Elevate Plan

ICICI Lombard Elevate plan is the one-stop solution for all your healt ...Read More

Up to 3 Crores
Sum insured
1
No. of plans
320+
Pan India presence
97.16%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,704 reviews
🏥 10,600+ hospitals
📊 2.69 solvency ratio
✅ 97.16% claim settlement

ICICI Lombard Elevate plan is the one-stop solution for all your healthcare-related expenses including doctor’s visits, diagnostics tests, medication bills, hospitalization expenses, and so much more.

Why do we recommend this?
  • Get 15% off as a family floater discount
  • Wellness points
  • Infinite sum insured

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
Child: 91 days - 30 years, Adult: 18 years - No limit
Plan type
Individual and Family Health Insurance
Sum insured options
₹7 L, ₹10 L, ₹50 L, ₹1 L, ₹5 L, ₹10 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1, 2, 3 years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Room rent
  • ICU charges
  • Pre and post hospitalisation
  • Daycare treatment

Cons

  • Cataract
  • IVF treatment
  • Hazardous activities

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Covered
  • Covid-19 treatment Covered
  • Cataract Not covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Covered
  • New-born baby cover Covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Covered
  • E-consultation Covered
  • Health check-up Covered
  • Second medical opinion Covered
  • Vaccination Covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Covered
  • Compassionate travel Covered
  • Global coverage Covered

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min entry age: 18 Years
  • Max entry age: No limit
  • Initial Waiting Period: 30 Days
  • Sum Insured: No Limit

Frequently Asked Questions

The 5 most-asked questions about ICICI Lombard Elevate Plan, answered.

This policy covers all of your major healthcare needs for as long as you require it, from pre-existing diseases to road and domestic air ambulance, and convalescence benefits. This health plan offers you a wide coverage benefit as well as various add-on options.
Yes, you can renew your policy within 30 days after completing the policy term.
Yes, if you convert your policy to a family floater plan then only other members including your spouse can be covered.
You can avail of the maternity and related expenses only if you opt for the optional maternity cover. This benefit stays intact when the insured member and their spouse/mother are covered under the same floater policy.
Yes, only if you opt for an accidental cover under an add-on for accidental claims such as death, disability, dismemberment, etc.

Conclusion

A modern and flexible health plan with strong customization and high coverage options, but becomes e

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 19 May 2026 · Originally published: 29 Jan 2025

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