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Last updated on: May 20, 2025
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The future of health insurance in India in 2025 is more vibrant than ever with the involvement of the private players such as ICICI Lombard, who customizes the policies to suit the changing families and individuals. The two key products, namely the ICICI Lombard Elevate Plan and ICICI Lombard Health Advantage Plan, are unique because of their holistic cover, wellness benefits and their digital ease. But which is better, which is better though they both promise you good protection?
This review disaggregates these two popular policies: features, benefits, disadvantages, and the updates; thus you make a smart decision on your health and fortune in 2025.
The ICICI Lombard Elevate Plan is a health insurance product launched with the aim of bringing out flexibility in terms of modular benefit plans, preventive wellness plans, and quick cashless claim settlement. It is aimed at the urban audience, families, and older adults and aims to offer a digital-first experience.
The ICICI Lombard Health Advantage Plan (formerly the Health Booster), on the other hand, is targeted as a super top-up, which is a combination of a large sum insured but at a low premium. It is designed to suit those who are aiming at increasing their hospitalisation cover- particularly when they believe that their current policy is not good enough.
The two plans are indicative of the changes in the insurer to adopt smart and user-friendly solutions in accordance with the increase in healthcare cost and the use of technology in India.
Both are IRDAI-approved and constantly changing plans. Providing smoother access to healthcare, digital claim processing and cashless hospital networks have developed towards 2025.
Did you know? The majority of urban policy consumers in India (over 80 percent) rank convenience and digital claims tracking as the most significant factor when changing health insurance companies in 2025.
Expert insight: Recent policy experts observe that with the increased medical expenses, more Indians are willing to pay more to health insurance but those who buy it firstly will choose modular flexible plans to get holistic cover.
| Hedging | ICICI Lombard Elevate Plan | ICICI Lombard Health Advantage Plan. |
|---|---|---|
| Type of Cover | base health + add-ons | Top-up/super top-up. |
| Sum Insured Range | 5 lakh 2 crore | 5 lakh 50 lakh. |
| Deductible | Nil/ | default 5 lakh -10 lakh (configurable) |
| Out-patient (OPD) Cover | Yes (Optional) | Not available. |
| Wellness Reward Program | Yes | Basic. |
| No Claim Bonus | Yes (maximum 150 percent) | Yes (10 percent /year) |
| Maternity Benefits | Yes (optional) | Yes (optional) |
| Pre-existing Disease Waiting | 24 - 48 months | 24 - 48 months. |
| Room Rent Sub-limit | No capping | No capping |
| Digital Paperless Claims | Yes | Yes. |
| Premium ( 5 lakh SA, Age 30) | Approx Rs. 10,500 | Approx Rs. 4,500 |
| Uniqueness Add-ons | Critical illness, PA, OPD | Nil. |
| Ideal For | Full first cover | Addition to existing policy. |
SA = Sum Assured, PA = Personal Accident.
Elevate plan is best suited to complete family coverage comprising of wellness, day care and various add-ons.
Elevate as well as Health Advantage has cashless claims on a huge network of 7000 plus hospitals in India. It has become virtually completely digital:
Claim-free wellness rewards can also be earned by the elevate plan users which can be redeemed in case of renewal discounts or health check-up.
The holders of Health Advantage Plan will most likely rely on it when the sum insured of their base policy becomes drained due to huge hospital bills.
Did you know? By 2025, 90 percent of the intended health insurance claims at ICICI Lombard are digitally processed and pre-authorization approvals take place the same day.
Oh, yes, you may pair them to be as safe as thieves. The top-up of Health Advantage should be used as an augment to Elevate which is your base plan and top-up of large claims.
Both plans exclude:
Never neglect to read policy wordings. There are some exceptions that are allowed after the waiting period or purchase of add-ons.
Expert insight: The insurers in 2025 have begun to waive off some of the exclusions provided that you are taking annual wellness or chronic management programs.
Elevate plan directly refers to modern care such as robotic surgeries in 2025 whereas Health Advantage will cover it as long as your base plan covers it.
What is valuable depends upon your needs:
For premium differences:
Did you know? In 2025, the regulation altered the super top-up policies to be more transparent in the calculation of claims, and Health Advantage has become a trend among salaried professionals.
It is always best to re-examine your particular needs and verify the latest rules and tax benefits in the IRDAI as well as the new features and exclusions and then purchase in 2025.
Q1. What papers will be required to settle the claims in 2025?
A1. You require your e-policy number, hospital bills, discharge summary and valid ID proof, which can be uploaded digitally.
Q2. Under these plans, how soon will I be covered by the maternity cover?
A2. The two plans usually have a waiting period of 2 to 4 years before they start benefiting on maternity.
Q3. Does ICICI Lombard extend to COVID19 and new viral outbreaks in 2025?
A3. Yes, I have considered both plans since 2022 under policy guidelines, including COVID19 and emerging infectious diseases.
Q4. Are these policies sold to NRIs or Indian residents outside of the country?
A4. Any Indian citizen in India is eligible. NRIs have the right to purchase, provided they offer valid Indian address documents and they are in the country.
Q5. Is it mandatory that preventive health check-up is required under Elevate?
A5. Not, but it is free and very much recommended to get greater points in terms of wellness and receive benefits.
To read more and compare the official brochures and the recent IRDAI notifications, see:
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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