ICICI Lombard Elevate Plan

Imagine a health insurance plan that adapts to your life. One that grows with your family, expands your coverage every year, and even offers unlimited claims. That’s not a dream—it’s exactly what the ICICI Lombard Elevate Plan is designed to deliver.

Elevate is not just another insurance policy. It’s a next-generation plan built for today’s realities and tomorrow’s possibilities. It blends infinite protection with smart tech, custom add-ons, and wellness tools. Whether you’re a first-time buyer or a seasoned policyholder looking for deeper, more dynamic coverage, Elevate could be the right fit.

What Is the ICICI Lombard Elevate Plan?

Elevate is a customisable, next-gen health insurance plan that offers modular benefits, advanced add-ons, and inflation-resistant protection. With features like infinite sum insured, reset benefits, OPD coverage, wellness discounts, and one-time unlimited claim protection, it redefines what modern insurance should feel like.

Built for families, individuals, and long-term care planners, Elevate allows you to go beyond traditional limitations. You can reduce waiting periods, protect against rising healthcare costs, and even digitise your outpatient treatments.

Did You Know?
Elevate is among the first health plans in India to offer both “infinite claims” and “infinite coverage” under dedicated add-ons. That means you can literally go beyond limits—something unheard of in most plans.

Key Features and Benefits

• Infinite Sum Insured Add-On: Say goodbye to limits. Once enabled, there is no cap on the amount payable in a year.
• Infinite Care Add-On: Covers a selected claim with an unlimited claim amount, available in the first two policy years.
• Unlimited Reset Benefit: Replenishes your sum insured automatically for every new illness. Not applicable to first claim or same illness within 45 days.
• Power Booster Add-On: Gives you 100 percent cumulative bonus every year, whether you claim or not.
• Jumpstart Add-On: Reduces waiting periods for pre-existing conditions to just 30 days under specific criteria.
• Inflation Protector: Automatically increases your base sum insured year-on-year, beating inflation.
• Claim Protector: Pays for non-payable expenses like gloves, PPE, masks, and consumables.
• BeFit Add-On: Gives full digital access to OPD treatments, diagnostics, minor procedures, and pharmacy.
• Wellness Rewards: Up to 30 percent discount on renewals for healthy behaviour tracked via app.
• Digital Benefits: FaceScan wellness insights, paperless claims, and IL TakeCare app integration.
• No Room Rent Capping, full coverage for pre and post-hospitalisation, and ambulance benefits.

Real Use Tip

Combine Infinite Sum Insured with Claim Protector and you create a zero-worry hospital experience. You don’t have to monitor limits, read fine print, or get stuck with hidden costs.

Plan Variants Based on Sum Insured (Illustrative)

Add-On Benefits explained

1. Add-On Infinite Care
   Pays unlimited on one claim selected, and the cover can be used during the first two policy years. Assists when a large event such as a surgical procedure or an injury occurs early in the policy.

2. Infinite Sum Insured Add-On
   Eliminates maximum limit on your sum insured. Claims in excess of your base amount will nevertheless be paid.

3. Power Add-On Booster
   An annual boost of 100 per cent on your sum insured, regardless of whether you make a claim or not.

4. BeFit OPD Add-On
   Cashless coverages of OPD treatments such as consultations, diagnostics, physiotherapy, and minor procedures are done through the app.

5. Jumpstart Add-On
   Limits the waiting period of declared pre-existing conditions ( such as diabetes or hypertension) to a mere 30 days only in certain circumstances.

6. Claim Protector
   There are other items on the claim that would otherwise be paid out of pocket such as gloves, disinfectants, PPE kits.

7. Inflation Protector
   Automatically increases your base sum insured to counter the cost inflation of healthcare year on year.

Expert Insight
By combining the Jumpstart and Power Booster on top of each other, you not only decrease your exposure during the early policy years, but you also increase your protection with each passing year. It is a tactical decision when you are in your 40s or when you have lifestyle-related risks.

What is in the Elevate Plan?

• Costs of hospitalisation (in-patient)
• 60 days Pre-hospitalisation costs
• 90 days after-hospitalisation cost
• AYUSH treatment cover
• Road ambulance in a state of emergency
• Procedures of the daycare
• Home treatment
• Coverage of advanced diagnostics under BeFit
• Non-payables in the event of Claim Protector being set-on
• Accumulating bonus and zeroing it out where necessary

What is Not Covered?

• Extrinsic Indian treatment
• Non medical expenses unless they are covered by Claim protector
• Cosmetic or plastic surgery which is not medically necessary
• Self-harm, alcohol or substance abuse problems
• Procedures used in experiments
• Diseases in the first waiting time of 30 days
• pre-existing conditions except Jumpstart situation or following usual waiting period
• OPD, diagnostics, or minor procedures with an exception of BeFit
• Policy wordings should be read to get a complete list of exclusions and conditions.

Waiting Periods

• Initial Waiting Period: one month on most conditions
• Pre-existing Diseases: Normal is 3 years, but it is down to 30 days with Jumpstart
• Specified Illnesses: Covered after 2 years
• Maternity (where it is offered): 2 to 4 years in other plans of the type, but not consistent in Elevate
• Reset: not applicable to the initial claim or relapsed diseases in 45 days

Cancellation and Refund Policy

• It is possible to terminate the Elevate plan and apply a premium refund according to the general policy of ICICI Lombard:
• Within 15 days (free-look period): Refund of the total in the case of no claim
• Within 15 days: you will receive a refund on pro-rata basis according to the length of operation of the policy
• Refunds: Processed between 7-10 working days after getting the cancellation request
• Cancellation may be commenced via customer care, email, or in the app.

How to Buy Elevate via Fincover.com?

Fincover makes it simpler to purchase Elevate. It is 100 percent digital, quick and customisable.

Steps:

1. Visit Fincover site and select Health Insurance
2. Choose ICICI Lombard Elevate Plan among the ones suggested
3. Input age, coverage requirement and amount of sum insured
4. Select one of the plans: Basic, Advance or Elite
5. Add optional covers such as Claim Protector, Be Fit or Power Booster
6. Compare the premium and cover
7. Secure checkout Pay online
8. Get your digital policy immediately via email and get benefits on the app

Real Story

Vineet is a 38-year-old Hyderabad-based IT manager who opted to have Elevate Advance with a cover of 25 lakh and the additional Infinite Sum Insured and BeFit. He is now enjoying teleconsultation via the IL app, saved 2000 last year towards OPD expenses and feels relaxed that any serious hospitalisation will not affect his savings.

FAQ on ICICI Elevate

Is Elevate superior to an ordinary health plan?
Of course, particularly when you need superior protection, optional OPD, increasing cover, and flexibility. Elevate provides you with greater control than historical policies.

Am I allowed to take Elevate even when I have another plan?
Yes. Elevate may be your main or second plan. It is also convenient with both new and experienced policyholders.

How can one compare Infinite Sum Insured and Infinite Care?
All the claims are covered by Infinite Sum Insured. Infinite Care entitles you with unlimited coverage of one claim of your choice during the first two years.

Is the cost of premiums increasing when I get all add-ons?
Yes, but they are still economical considering that one would need to purchase several policies in each need. You will pay more but you will receive exponentially more benefits.

Is it possible to port to Elevate?
Yes. Portability is offered on an underwritten basis and when a customer transfers to Elevate, the waiting period benefits can be transferred.