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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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Health insurance in India is a critical safety net in the year 2025 to both the family and the individual. As newer plans are coming into the market and older plans are receiving an update in their features, the whole process of selecting a certain policy is more overwhelming than ever. Two of its popular health insurance plans, Care Ultimate Care Plan and ICICI Lombard Elevate Combo Plan are now frequently being compared by the buyers who want to get maximum coverage and value of money. You have come to the right place in trying to find out their differences, similarities and what suits you better.
Both Care Ultimate Care Plan and ICICI Lombard Elevate Combo plan are complete health insurance plans of two well-known Indian insurers. They are both meant to respond to the changing customer health requirements in 2025, high-value coverage, customer friendly benefits, digital servicing and value additions such as wellness perks.
Care Ultimate Care Plan is aimed at those who need a broad amount of sum insured, no co-payment, and a broad network of hospitals. It is commonly positioned as the one-stop solution to individuals seeking unlimited coverage.
ICICI Lombard Elevate Combo Plan on the other hand is a combination product. It is a combination of health cover, wellness, outpatient assistance, and prevention that is targeted at improving the overall results of healthcare and its convenience. This mixture is becoming popular among urban policyholders in 2025.
In comparing Care Ultimate Care Plan to the ICICI Lombard Elevate Combo Plan, consider the following main features:
People also ask: Q. Does ICICI Lombard Elevate Combo Plan cover abroad? A. This international cover in ICICI Lombard Elevate Combo Plan is possibly narrower and can be normally varied according to the plan. The wording should always be checked.
Each insurance coverage possesses some strong sides and some weaknesses. Here’s an overview:
Did you know? There is an increasing demand of more urban Indians to receive telehealth and wellness as a part of their health insurance, with combo and digital-first plans continuing to grow in sales by over 35 percent annually.
A hospital network is essential in order to have hassle free claims. Care Ultimate has over 21,000 network hospitals in India, which is among the largest. This guarantees fast and cashless hospitalisation both in the metros and smaller cities. It is also remarkable that Care plan has started expanding to smaller cities in the tiers.
As of 2025, ICICI Lombard Elevate Combo Plan is linked to the network hospitals of approximately 12,500 in India. Whereas this is a wide area of coverage including major cities and most towns, it might not be reaching some of the remote areas as well as CARE. But the tie-up list of ICICI Lombard is always increasing and the process of settling claims by the customers is rated high.
People also ask: Q. What is the quickest time to get cashless approval? A. The insurers have also updated to provide approvals on planned admissions in 2 hours and within 30 minutes in case of emergencies on their digital platforms.
The premiums are calculated on basis such as age, health, sum insured and location. But it will depend on what typical customers will look like in 2025, here is a quick table:
| Features | Care Ultimate Care Plan | ICICI Lombard Elevate Combo Plan. |
|---|---|---|
| Sum Insured | 5 Lakh to 6 Crore | 5 Lakh to 1 Crore |
| Annual Premium (30, couple) | 15,000 to 40,000 | 10,500 to 27,000 |
| Annual Premium (60 yrs, couple) | [?]41000 to [?]1.3 lakh | [?]27000 to [?]66000 |
| OPD/Pharmacy | Add on (nominal fee) | Included. |
| Maternity Cover | Standard | Custom/Add on. |
| No Claim Bonus | Up to 150 percent | Normal or add on. |
| International Coverage | Emergency alone | Limited and optional. |
| Annual Health Checkup | Included | Included + Wellness rewards. |
In most cases, Care Ultimate is more expensive with larger sum insureds but ICICI Lombard Elevate has inbuilt outpatient and pharmacy benefits which can at times be cost effective to those who frequently face health bills.
Care Ultimate is designed to suit individuals, who appreciate the greatest sum insured, vast, pan India cashless net and limitless restoration. In case the members of the family are elderly or you desire optimal peace of mind at all costs, it is appropriate. ICICI Lombard Elevate Combo will be most appropriate when a customer wants an all in one combo service that will include hospitalisation and regular OPD, pharmacy and health rewards. Couples and families living in urban areas and having a priority on OPD savings and digital health features incline towards this plan.
Expert View: Insurance consultant at Mumbai, Sugandha Rao, believes that on an everyday savings, Elevate Combo can provide saving in the form of OPD and pharmacy inclusions to a nuclear family with children or even the middle aged policyholders. However, unlimited coverage provided by Care Ultimate should be considered by those who are at a greater risk of health or have family members who are older.
The two plans have certain eye catching benefits that can lean you towards them.
People also ask: Q. What is the plan that does not have a capping of the room rent? A. The 2025 plans also do not limit room rent on regular and higher variants, as it guarantees greater options at the time of staying in the hospital.
The digital first, paperless claim solutions provided by both insurers are what will be required in 2025. Customers are now able to initiate, track and settle claims in totality online. In less than 30 minutes, it is possible to do emergency cashless claims in metros.
Care Ultimate relies on the Care customer app and helpline as the quick turnaround, and the complex issues go to the grievance desk.
ICICI Lombard Elevate uses the IL Take Care app that also includes doctor appointments, pharmacy orders and claim tracking-highly convenient in case you are technologically inclined.
The two options allow uploading of documents online and immediate claim status verification. Specific claim advisors in case of chronic or high value cases.
Did you know? According to IRDAI statistics in 2025, the settlement of claims by the two insurers is above 95 percent in case of eligible claims and this shows the trust of the market.
These details will transform your experience in the long-term.
Both policies provide standard waiting days, which include 30 days (except accident), 24 to 48 months pre existing conditions waiting, and maternity waiting period. The waiting periods can be purchased out of additional cost in some variants. Both plans do not cover non medical expenses and certain procedures (primarily cosmetic, fertility or experimental treatments). The renewal possibility is lifelong after 2025 and most of them cannot have a maximum entry age.
ICICI Lombard has an instant helpline service, video advisory, wellness challenges, tied up gym and pharmacy orders, all via the app.
Care Ultimate concentrates on 24 x 7 phone and application services, wellness websites, and Doctor on Call in case of emergency. They both provide claim support whenever required and digital habit trackers.
People also ask: Q. Is it possible to change my plan or port to another insurance provider by 2025? A. Yes, you have an option of porting between these plans or to other insurers on renewal according to IRDAI provisions, and carry with you the continuity benefits.
Care Ultimate Care Plan is the most suitable as it has high sum of insured and peace of mind with infinite recharge, broad network, no limit in room rent, suits large family, or individual who requires extensive hospital cover. ICICI Lombard Elevate Combo Plan will be most appropriate to the urban that is digitally savvy families, are more concerned with health and OPD, pharmacy and wellness rewards, lower premiums at moderate coverage, and app health management. The prices vary according to age, sum insured and whether or not you require additional covers such as maternity covers or critical illnesses. The two are IRDAI approved, trusted and in 2025 are now working on digital claims hassle free and wellness assistance.
Q. Which is the more cost effective plan?
A. When you require high sum insured and regular hospital cover alone, Care Ultimate can be more of value. Elevate Combo gives you greater savings in case you are using OPD, pharmacy, or telemedicine monthly.
Q. Does it matter whether it has global coverage or not?
A. In case of travelling outside the country frequently or in case of expectancy of seeking emergency hospitalisation outside the country, you need to remember that the cover of Care Ultimate is emergency cover only. Elevate Combo can sell applicable top ups at an additional price.
Q. Will I be able to treat cashless everywhere in India in 2025?
A. The two insurers cover the majority of the leading hospitals and even the tier two cities, though constantly reviewing the lists of hospitals in your choice of city.
Q. Is day one cover over pre existing diseases?
A. The two plans like most insurance companies impose waiting periods on pre existing diseases of up to 2 to 4 years except when buy out is performed.
Q. Which includes lifestyle and wellness perks?
A. ICICI Lombard Elevate Combo deals more with wellness, OPD, pharmacy, and rewards structure in 2025.
Q. Is settlement of claims hassle free?
A. Care and ICICI Lombard are both offering more than 95 percent quick claim settlements through the digital platform in the year 2025.
Q. Does it have family floater options?
A. The two plans have an individual and family floater in accordance with the IRDAI norm in 2025.
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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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