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Last updated on: August 7, 2025
The key pain points associated with choosing 1 crore health insurance in India for 2025 include justifying the high sum insured, understanding the layered policy structure, and ensuring inclusion of global and specialized treatment benefits. The featured 1 Crore Health Insurance in India effectively addresses these issues by offering all-inclusive coverage for high-cost treatments, international medical care, critical illnesses, and long-term hospitalization. It is ideal for HNIs, business owners, and families seeking top-tier medical protection without financial limits. The platform enhances user clarity with transparent breakdowns, AI-driven customization based on lifestyle and risk exposure, and expert guidance to ensure maximum return on investment and seamless claims experience.
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With rising healthcare expenses in India, choosing the right health insurance plan for you and your family is more important than ever. Two popular choices many people consider today are the Care Ultimate Care Plan and ICICI Lombard Elevate Advantage Plan. Both options come from trusted insurers and offer comprehensive health benefits, but each has some unique features that can impact your decision for 2025.
In this detailed comparison, you will discover the key features, coverage details, highlights, pros and cons, and expert insights for both plans. By exploring how Care Ultimate Care Plan and ICICI Lombard Elevate Advantage Plan match up in real-world scenarios, you can make an informed choice best suited for your health and financial security.
Care Ultimate Care Plan, by Care Health Insurance, is designed to provide extensive protection for families and individuals seeking high-value medical cover. It is especially popular among people who want a blend of flexibility, cashless hospitalisation, and comprehensive additional features.
Top Features of Care Ultimate Care Plan
What are the Coverage Details?
Did you know?
More than 12,000 hospitals are networked for cashless claims under Care Health Insurance, making it one of the largest networks in India as per the updated 2025 statistics.
People also ask Q: Is maternity covered under the Care Ultimate Care Plan? A: No, maternity and newborn cover are available under some other plans, but are not part of the basic Ultimate Care Plan.
ICICI Lombard Elevate Advantage Plan was introduced to help policyholders manage rising healthcare costs, including advanced treatments that have become common in modern India. This policy is suitable for people who prefer digitised services, value-add benefits, and want to secure both present and future health needs.
Core Benefits of ICICI Lombard Elevate Advantage Plan
Main Highlights
Pros and Cons for Comparison
Both plans have their own advantages and areas where policyholders should take extra consideration.
| Feature | Care Ultimate Care Plan | ICICI Lombard Elevate Advantage Plan |
|---|---|---|
| Max Sum Insured | 6 crore rupees | 1 crore rupees |
| OPD cover | Not included | Included |
| Room rent cap | No cap | No cap |
| Day care procedures | All listed | 586 procedures |
| Network hospitals (2025 data) | 12,000+ | 10,500+ |
| No claim bonus | Up to 150 percent | 20 percent per year (max 200) |
| Wellness benefits | Limited | Personalised health management |
| Organ donor expenses | Covered | Covered |
| Maternity cover | Not included | Can be opted as addon |
| Restoration benefit | Unlimited | Up to sum insured, even unrelated |
Expert insight
The restoration benefit is most useful during critical illness or multiple claims in a policy year. However, Care’s unlimited restoration gives it an edge for people at higher health risk.
People also ask Q: Can I claim for pre existing diseases under both plans? A: Yes, but after waiting period which is typically 2 to 4 years. Always check the policy document for exact number.
Health insurance premiums are affected by several factors like age, sum insured, existing conditions, location, and selected add-ons. As of 2025, here’s a sample premium estimate for each plan for a 35 year old individual, non smoker, living in Mumbai, seeking 25 lakh rupees sum insured:
| Plan | Approx Annual Premium (2025) |
|---|---|
| Care Ultimate Care Plan | 13,500 Rupees |
| ICICI Lombard Elevate Advantage Plan | 14,200 Rupees |
Key Details
Did you know?
Opting for a higher sum insured in your early 30s usually leads to lower premium hikes as you age. Many experts advise acting sooner rather than later.
People also ask Q: Are cashless claims easy with both insurers? A: Yes, both insurers provide app-based cashless claims with thousands of network hospitals. The turnaround time is 2 to 4 hours for most claims.
Taking the best from each plan can help you decide.
Care Ultimate Care Plan Pros
Care Ultimate Care Plan Cons
ICICI Lombard Elevate Advantage Pros
ICICI Lombard Elevate Advantage Cons
Expert insight
If OPD and modern-day health management are important, the Elevate plan is attractive. But if you want absolute peace of mind for very high claims, Care Ultimate provides a bigger safety net.
People also ask Q: Can I upgrade from an individual to a family floater plan later? A: Yes, most insurers including Care and ICICI Lombard will allow you to convert during policy renewal, subject to underwriting.
By looking closely at both working professionals and families, the distinguishing points become clear.
When Care Ultimate Care Plan Is Ideal
When ICICI Lombard Elevate Advantage Plan Is Suitable
Quick Recap Table
| Parameter | Care Ultimate Care Plan | ICICI Lombard Elevate Advantage Plan |
|---|---|---|
| Premium (25L sum) | Avg 13,500 per year | Avg 14,200 per year |
| Maximum Coverage | Up to 6 Crores | Up to 1 Crore |
| OPD Coverage | Not covered | Inbuilt up to specified limits |
| Digital Features | Standard portal | Mobile app and teleconsultations |
| Wellness Programs | Annual checkups | Health coaching, family wellness packs |
Did you know?
According to the Indian Insurance Industry Report 2024, customers who utilise their annual check ups claimed 37 percent less on major hospitalisations, indicating the importance of preventive care.
Choosing between Care Ultimate Care Plan and ICICI Lombard Elevate Advantage comes down to personal priorities:
Remember, the best plan is not always the cheapest but the one that secures your health and peace of mind for today and the future.
Q1. Can I port my health insurance to Care or ICICI Lombard from another insurer?
Yes, as per IRDAI rules, you can port your policy during renewal with continuity benefits.
Q2. Are both plans valid in all Indian cities and for NRI customers?
Yes, both plans cover treatment across India. NRIs can buy these policies if they are residing in India at the time of purchase.
Q3. What documents are required for cashless claims in 2025?
Usually, basic KYC, doctor’s prescription, insurer’s claim form, and hospital documents. Some hospitals may also need a photo ID.
Q4. Is AYUSH treatment covered in both plans?
Care Ultimate offers AYUSH cover as standard. ICICI Lombard covers AYUSH in select plans and city-specific hospitals, so check the policy document.
Q5. Can I buy these policies online and what is the claim settlement ratio?
Yes, both policies are available online. As per 2024 data, Care Health Insurance and ICICI Lombard both had claim settlement ratios above 97 percent.
Sources
Care Health Insurance (https://www.careinsurance.com/)
ICICI Lombard General Insurance (https://www.icicilombard.com/)
IRDAI Annual Report 2024-2025 (https://www.irdai.gov.in/)
Indian Insurance Industry Report 2024 (https://www.ibef.org/)
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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