Short answer

The ICICI Lombard Elevate Health Insurance Plan offers sum insured options starting from Rs. 5 lakh with an unlimited sum insured option, along with benefits such as unlimited Reset Benefit, Loyalty Bonus and a range of optional covers. These include maternity, worldwide hospitalisation, OPD and waiting-period reduction options. Premiums are advertised from Rs. 11/day under specific eligibility and discount conditions. Pre-existing diseases are subject to the applicable waiting period, while the Jumpstart add-on can reduce the waiting period to 30 days for selected conditions. GST on individual and family floater health insurance premiums is currently 0%, as stated by ICICI Lombard.

₹5L–UnlimitedSum Insured
13,000+Network Hospitals
0%GST on Premium
₹11/dayStarting Premium*

ICICI Lombard Elevate Health Insurance Plan

A single night in a private room at a decent city hospital can run past Rs. 15,000 before any tests or medicines are added to the bill. Add a surgery, a week of recovery and a round of physiotherapy after discharge and a routine hospitalisation can wipe out months of savings in one go. That is the gap the ICICI Lombard Elevate Health Insurance Plan is built to close, with a sum insured option that can go up to unlimited, a Reset Benefit that can restore the base sum insured for eligible subsequent claims, and 0% GST on individual and family floater health insurance premiums. By the end of this guide, you will know exactly what Elevate covers, what it leaves out, what it costs and whether it fits your family's situation.

What Is the ICICI Lombard Elevate Health Insurance Plan?

Elevate is ICICI Lombard's flagship comprehensive health cover, sold under UIN ICIHLIP27057V062627 and product code 4225. It is built around a simple idea: most families do not want a fixed, one-size-fits-all policy, they want to pick the sum insured, the tenure and the add-ons that match their actual health risk and budget.

The base policy covers hospitalisation, day care procedures, AYUSH treatment, pre and post hospitalisation expenses and comes with a growing list of built-in benefits like the Reset Benefit and Loyalty Bonus. On top of that sits a long menu, over 20 optional covers, that let you add maternity cover, worldwide treatment, OPD expenses, or a reduced waiting period for a pre-existing condition you already know about. In our experience advising families on this plan, flexibility is the real selling point. Two people with the same sum insured can end up with very different policies depending on which add-ons they choose.

Who Should Buy the ICICI Lombard Elevate Plan?

The proposer must be at least 18 years old. The policy can cover individuals from 6 years to a maximum entry age of 125 years. Children aged 91 days to 5 years can be covered only under a family floater policy, while dependent children can remain covered under the floater up to 30 years, subject to the policy terms. ICICI Lombard also states that there is no maximum age limit for renewal.

If you already have a pre-existing condition such as diabetes or hypertension, you are not locked out either. You can apply for Elevate even if you have a pre-existing disease, subject to ICICI Lombard's underwriting and applicable premium. The standard waiting period for an accepted pre-existing disease is 36 months. The Jumpstart add-on can reduce the waiting period to 30 days for selected conditions, including asthma, diabetes, hypertension, high cholesterol, obesity and certain cases of coronary artery disease, subject to the policy terms.

Key Features and Benefits of ICICI Lombard Elevate

The base Elevate plan is not thin on its own. Here is what comes built in, before you add a single optional cover.

Reset Benefit

Restores up to 100% of the Annual Sum Insured for eligible subsequent claims when the available sum insured is insufficient. Can trigger multiple times in a policy year. Does not apply to the first claim, and isn't available with the Unlimited Sum Insured option.

Loyalty Bonus

A 20% increase in the Annual Sum Insured at the end of each policy year, subject to the applicable terms, with the cumulative bonus going up to 100% of the Annual Sum Insured.

Cashless Treatment

Access to over 13,000 network hospitals across India, with ICICI Lombard's IL Sahayak service providing on-ground support for admission, pre-authorisation, hospital coordination, discharge and claim-related paperwork.

Cashless Everywhere

Cashless treatment at hospitals across India, subject to the applicable terms and conditions, giving policyholders an option beyond the standard network-hospital route.

Pre and Post Hospitalisation Cover

Medical expenses are covered for 90 days before admission and 180 days after discharge, a longer runway than what many competing plans offer.

Wellness Benefits

Eligible policyholders can earn benefits for maintaining healthy habits, with up to 30% renewal discount currently advertised for staying active, subject to the applicable terms.

AYUSH Treatment

Ayurveda, Yoga, Unani, Siddha and Homeopathy treatments taken at a recognised AYUSH hospital are covered up to the full sum insured, not a reduced sub-limit.

Infinite Care

An optional cover, if chosen at inception or the first renewal, that removes the sum insured cap entirely for one claim during the lifetime of the policy. Must be decided at the time of purchase — it cannot be added later.

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What's New in ICICI Lombard Elevate in 2026?

ICICI Lombard's current Elevate offering has expanded beyond traditional hospitalisation cover, with a wider set of personalisation and health-support options. The current product page highlights Cashless Everywhere, customisable waiting periods, OPD services, worldwide cashless hospitalisation, wellness rewards and a women-focused Elevate HER add-on. ICICI Lombard also currently lists 13,000+ network hospitals, with the figure stated as of 15 July 2026.

The Elevate HER offering is designed around women's health needs across different life stages and includes services such as gynaecologist consultations, diagnostic tests, preventive care and support related to areas such as PCOS, fertility, maternity and menopause, subject to the selected cover and policy terms.

What Is Covered and What Isn't

The exact coverage depends on the base policy and the optional covers selected. Here's the full breakdown, subject to the applicable terms and conditions.

  • In-patient hospitalisation: Covers eligible medical expenses incurred during hospitalisation.
  • Daycare procedures: Covers eligible treatments that require less than 24 hours of hospitalisation.
  • Pre- and post-hospitalisation: Covers eligible medical expenses incurred before and after hospitalisation for the specified periods.
  • AYUSH treatment: Covers eligible in-patient treatment under Ayurveda, Yoga, Unani, Siddha and Homoeopathy.
  • Technological advancements and treatments: Covers eligible modern and technologically advanced treatments listed under the policy.
  • Bariatric surgery: Covered when the applicable medical and policy conditions are met.
  • Domiciliary hospitalisation: Covers eligible treatment taken at home when the conditions specified in the policy are satisfied.
  • Road ambulance: Covers eligible domestic road ambulance expenses.
  • Organ donor expenses: Covers eligible hospitalisation expenses incurred by an organ donor.
  • Surrogate mother and oocyte donor expenses: Eligible in-patient hospitalisation expenses are covered, subject to the applicable limit and policy conditions.
  • Reset Benefit: The policy provides a Reset Benefit for eligible subsequent claims, subject to the applicable conditions.
  • Loyalty Bonus: The policy can increase the Annual Sum Insured through the Loyalty Bonus, subject to the policy terms.
  • Pre-existing diseases during the applicable waiting period: Treatment related to a declared pre-existing disease is subject to the applicable waiting period unless a valid waiting-period reduction applies.
  • Initial waiting period: Illness-related treatment during the first 30 days is generally not covered, except where the policy provides an exception, such as accidents.
  • Specified diseases and procedures: Listed conditions and procedures are subject to a 24-month waiting period under the standard policy terms.
  • Cosmetic or plastic surgery: Generally excluded unless it falls within the medically necessary situations specified by the policy.
  • Investigation and evaluation: Hospitalisation primarily for investigation or evaluation, without eligible treatment, is excluded.
  • Rest cure and rehabilitation: Certain expenses related to rest cure, rehabilitation or respite care are excluded.
  • Other policy exclusions: The policy wording contains additional exclusions that should be checked before making a claim.

Add-On Covers You Can Choose

This is where Elevate genuinely earns its reputation for flexibility. You are not paying for benefits you don't need, you pick and choose.

Add-on coverWhat it offers
Infinite CareUnlimited claim amount for one claim, lifetime of the policy
Power Booster100% loyalty bonus every year, no upper cap
JumpstartReduces the waiting period to 30 days for selected pre-existing conditions, subject to the conditions listed in the policy wording
Worldwide CoverCashless hospitalisation abroad, up to Rs. 3 crore
Maternity BenefitCovers delivery expenses up to 10% of sum insured, capped at Rs. 1 lakh; standard waiting period is 24 months
BeFit (OPD)Cashless OPD consultations, diagnostics, pharmacy and counselling
Claim ProtectorPays for items usually excluded as "non-payable"
Inflation ProtectorGrows sum insured in line with CPI inflation each year
Room ModifierUpgrades room eligibility beyond Single Private AC
Chronic Disease ManagementCashless monitoring for declared chronic conditions

Note: Figures are based on ICICI Lombard's published policy wording as of September 2026 and can change at renewal. Always verify current terms against your policy schedule before relying on any limit.

Our advisors usually point first-time buyers toward Claim Protector and Room Modifier, since these two quietly close the gap between what a policy pays and what a hospital actually bills, without adding much to the premium.

Waiting Periods Under the ICICI Lombard Elevate Policy

Every health policy in India carries waiting periods and Elevate is no exception. Knowing these upfront avoids the disappointment of a rejected claim in the first year.

Waiting period typeDurationCan it be reduced?
Initial waiting period30 days (except accidents)No
Pre-existing disease36 months look-back, standard exclusion until declaredYes, via Jumpstart for 6 listed conditions (to 30 days)
Specified disease/procedure24 monthsYes, via Waiting Period Reduction add-on
Maternity Benefit24 monthsNo
Worldwide Cover24 months (accidental emergencies exempt)Yes, via Worldwide Cover Waiting Period Reduction
Bariatric surgerySubject to the applicable policy waiting period and termsVerify the applicable waiting-period reduction option

Note: These are standard waiting periods under the policy wording effective 2026. Specific waiting periods may vary based on the plan variant and add-ons selected in your policy schedule.

How Much Does the ICICI Lombard Elevate Plan Cost?

ICICI Lombard currently advertises Elevate health insurance from Rs. 11/day. This is an illustrative starting premium based on specific conditions, including a Rs. 5 lakh sum insured, an age of 21-25 years, Zone C location, no pre-existing condition and applicable discounts. Your actual premium will depend on factors such as age, location, sum insured, tenure, health status and selected add-ons.

One change worth knowing about: the GST Council reduced tax on individual and family floater health insurance premiums to 0%, so the premium you see quoted today is what you pay, without an 18% tax loaded on top the way it used to be. That alone has made a meaningful dent in the final cost of comprehensive plans like this one.

If you are trying to figure out the right sum insured for your family's budget and city, it helps to have someone actually run the numbers against a few tenure and add-on combinations rather than guessing. At SMC Insurance, our advisors do exactly that, comparing Elevate against other ICICI Lombard plans like MaxProtect for high sum insured needs, so you are not paying for cover you will not use, or under-insuring against a real risk.

How to File a Claim Under ICICI Lombard Elevate

For a cashless claim at a network hospital, the process is fairly linear. You submit your health card and photo ID at the hospital's TPA desk on admission, the hospital sends a pre-authorisation request to ICICI Lombard and the insurer processes it within an hour if the documentation is complete. Final approval on discharge is typically given within 3 hours of receiving the hospital's discharge request. For planned hospitalisation, you need to notify the insurer at least 48 hours in advance and within 24 hours for an emergency admission.

If your treating hospital is outside the network, you pay upfront and file for reimbursement instead, through the IL TakeCare app, the toll-free number 1800 2666, the website, or by emailing ihealthcare@icicilombard.com. If you're weighing Elevate against ICICI Lombard's other health products before you commit, it's worth comparing it with the Health AdvantEdge plan for a lower entry-cost family floater, or Golden Shield if you're specifically shopping for senior citizen parents.

Quick facts

Sum InsuredRs. 5 lakh–Unlimited
Network Hospitals13,000+
GST on Premium0%
Pre-Auth TurnaroundWithin 1 hour
Discharge ApprovalWithin 3 hours
Free Look Period30 days

How to Buy ICICI Lombard's Elevate Plan Online?

  1. Go to www.icicilombard.com and navigate to "Health Insurance" and choose "Elevate" (or search "ICICI Lombard Elevate" and click through to the official policy page). Click the "Get Quote" button to begin.
  2. Enter your city/pincode, the number of family members you want to insure and their ages. Provide your name, mobile number and email ID so ICICI Lombard can generate a personalized premium quote and send you policy communication.
  3. Compare the available sum insured options and select the coverage amount that fits your needs and budget. Choose between individual or family floater cover and select a policy tenure of 1, 2, 3, 4, or 5 years.
  4. Select optional add-ons based on your requirements, such as:
    • Infinite Care – unlimited coverage for one claim of your choice
    • Power Booster (Super Loyalty Bonus) – up to 100% bonus on your sum insured every year
    • Worldwide Cover – cashless hospitalisation abroad up to INR 3 crore
    • Jumpstart – reduces the waiting period to 30 days for conditions like diabetes, hypertension, and asthma
    • OPD+ – cashless outpatient coverage (consultations, diagnostics, pharmacy, dental, vision, mental health)
    • Maternity Benefit, Elevate HER (women's health add-on), Health Check-Up, and others
    Note: add-ons are optional and attract an additional premium.
  5. Complete the online proposal form with personal, contact, nominee and health-related details for yourself and any family members being covered. Full and accurate disclosure of medical history is required to avoid claim issues later.
  6. Pay securely online using any of the following:
    • Credit Card (Visa, Mastercard, Amex, RuPay, Diners Club)
    • Debit Card
    • Net Banking (ICICI Bank or 50+ other banks)
    • UPI and e-wallets (Google Pay, PhonePe, BHIM UPI)
    • Credit/debit card EMI
  7. Once payment is confirmed, your digital policy document is issued instantly to your registered email. You also get a 30-day Free Look period to review the policy — if it doesn't meet your needs, you can cancel it and receive a refund of the premium paid (excluding proportionate risk premium, medical examination cost, and stamp duty).

How to Buy Through SMC Insurance

SMC Insurance offers an assisted route to the same Elevate Plan, with a human advisor guiding you through each stage. Here's how that process typically works:

  1. Reach out to SMC Insurance: Get in touch through their website, over the phone, or by email, and share basic details such as your age, desired sum insured, and the number of family members to be covered.
  2. Review your options: SMC's advisors put together quotes for you (factoring in any discounts they have access to) and walk you through how the Elevate Plan stacks up against comparable policies in the market.
  3. Get help with the paperwork: From filling out the health declaration to organizing the required documents and processing your premium payment, the SMC team handles the administrative back-and-forth on your behalf.
  4. Receive your policy and ongoing support: Once your payment goes through, SMC shares your policy documents and remains available for questions later on, including help if you ever need to file a claim.

Going through an advisory platform like SMC can be a good fit if you'd prefer someone to talk through your options with, rather than navigating the online form independently, particularly when it comes to choosing the right add-ons or understanding which hospitals to prioritize.

Why Choose SMC Insurance?

Side-by-side plan comparison: Advisors lay the Elevate Plan out next to comparable policies so you can see where it holds up and where it doesn't, helping you avoid overpaying for coverage you don't need.

Guidance on the fine print: Waiting periods, exclusions and which add-ons are actually worth it for your situation aren't always obvious from a policy document alone; an advisor can walk you through what matters for your specific case.

A hand during claims: If a claim runs into complications, having someone act as a go-between with the insurer can take pressure off you at a stressful time.

Coverage tailored to your situation: Rather than working through the options solo, you get input on how to match the plan and its add-ons to your family's actual health history and budget.

ICICI Lombard Elevate Policy Wording and Brochure

You can also visit ICICI Lombard’s Downloads page, select Health Insurance, and choose Brochure or Policy Wordings to access the relevant documents. Your individual policy document is available under My Policies after you log in using your registered mobile number on the ICICI Lombard website or through the IL TakeCare app. Before quoting any figures or benefits from a policy document, check that its UIN matches the UIN mentioned on your policy schedule.

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Downloads

Policy Brochure

Policy Wording

How Good is ICICI Lombard Health Insurance’s Customer Service?

ICICI Lombard offers multiple customer support channels, including 24x7 assistance, WhatsApp support, email, phone and its IL TakeCare app. Customers can also track claims and access policy-related services online.

However, service experience can vary by the nature of the request, claim and individual case. Before buying, it is worth checking the insurer’s claim process, grievance redressal mechanism and service terms, rather than judging customer service on availability of support channels alone.

Summing Up

The ICICI Lombard Elevate Health Insurance Plan is not the cheapest policy on the market and it isn't meant to be. What it offers instead is genuine flexibility, a sum insured that scales from Rs. 5 lakh to unlimited, a reset benefit that protects you from running dry mid-year and an add-on menu deep enough to build a policy around your actual health profile rather than a generic template. The trade-off is that you need to actually engage with the choices, pick the right add-ons, declare pre-existing conditions honestly and understand the waiting periods, or you risk paying for cover you never fully use. For most families comparing high-value comprehensive plans in 2026, Elevate deserves a serious look, particularly with GST now at zero on the premium. Talk to an advisor, run your numbers against a couple of sum insured options and buy based on what your family is actually likely to need, not just the headline sum insured.

Disclaimer: The information provided on this platform is intended for general awareness and educational purposes. While every effort is made to ensure accuracy, some details may change with policy updates, regulatory revisions, or insurer-specific modifications. Readers should verify current terms and conditions directly with relevant insurers or through professional consultation before making any decision.

All views and analyses presented are based on publicly available data, internal research and other sources considered reliable at the time of writing. These do not constitute professional advice, recommendations, or guarantees of any product's performance. Readers are encouraged to assess the information independently and seek qualified guidance suited to their individual requirements. Customers are advised to review official sales brochures, policy documents and disclosures before proceeding with any purchase or commitment.

Health Insurance Reviews & Ratings

4.5 / 5 (Based on 1431 Reviews) (Showing Newest to Oldest)
Jyoti Sharma
Kanpur, April 08, 2025

Simple Process

We were fortunate enough to have selected SMC as our Health Insurance Broker for they have been very helpful in resolving our queries related to health insurance.

Gayathri yaz
Kanpur, June 10, 2025

Simple Process

I had to make a health insurance claim recently, and SMC Insurance made the whole process smooth and stress-free. Really thankful for their support.

Pramod Kumar
Pune, April 07, 2025

Simple process

I have purchased health insurance and found the plan to be very supportive and affordable. The entire process was smooth, and the team provided clear guidance at every step.

Parth Agarwal
Mumbai, April 06, 2025

Quick Response

A very professional broker. When the insurance company initially denied my claim, the SMC team actively followed up and fought on my behalf until the claim was successfully settled. Thank you SMC team.

Guruprabhu D
Delhi, September 18 , 2025

Quick Response

I want to thank SMC Insurance for helping me choose the best health insurance plan of my family. Your advice and guidance made it easy for me to understand and make the right decision for our future

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ICICI Lombard Elevate Plan FAQs

It is ICICI Lombard's comprehensive health insurance policy offering sum insured options from Rs. 5 lakh to unlimited, with built-in benefits like Reset, Loyalty Bonus and AYUSH cover, plus over 20 optional add-ons for maternity, worldwide treatment and OPD expenses.

The proposer must be at least 18 years old. The policy can cover individuals from 6 years up to a maximum entry age of 125 years. Children aged 91 days to 5 years can be covered only under a floater policy, while dependent children can be covered under the floater up to 30 years, subject to the policy terms. There is no maximum age limit for renewal.

Yes, you can buy the policy even with a declared pre-existing disease by paying an additional premium. Pre-existing diseases are subject to a standard 36-month waiting period, subject to declaration and acceptance by ICICI Lombard. The Jumpstart add-on can reduce the waiting period to 30 days for selected conditions, including conditions such as diabetes, hypertension and asthma, subject to the policy terms.

ICICI Lombard currently advertises Elevate health insurance from Rs. 11/day under specific conditions, including a Rs. 5 lakh sum insured, age of 21-25 years, Zone C location, no pre-existing condition and applicable discounts. The actual premium varies based on factors such as age, location, sum insured, tenure, health status and add-ons.

The Reset Benefit can restore up to 100% of the Annual Sum Insured for eligible subsequent claims when the available sum insured is insufficient. It can be triggered multiple times during the policy year, subject to the policy terms. The benefit does not apply to the first claim and is not available with the Unlimited Sum Insured option.

Yes, the Worldwide Cover add-on provides cashless hospitalisation abroad up to Rs. 3 crore, including planned treatments, subject to its terms. The standard waiting period is 24 months, while the Worldwide Cover Waiting Period Reduction option can reduce it to 12 months. Accidental emergency hospitalisation is exempt from the waiting period.

Submit your health card and ID at the network hospital's TPA desk on admission. The hospital sends a pre-authorisation request to ICICI Lombard, which is processed within an hour, with final approval typically issued within 3 hours of the discharge request.

It works well for families that want one policy covering everyone under a shared sum insured, with the flexibility to add maternity cover, newborn cover and vaccination benefits as the family's needs change at each renewal.

ICICI Lombard Elevate — from ₹11/day Get a quote