The ICICI Lombard Elevate Plan is a comprehensive health insurance plan designed to provide financial protection against medical expenses. The plan offers flexible sum insured options, lifelong renewability, and tax benefits.
Key Features:
1. Sum Insured Options: The plan offers sum insured options ranging from ₹5 lakhs to ₹1 crore.
2. Lifelong Renewability: The plan offers lifelong renewability, ensuring that you remain covered for life.
3. Pre-Existing Disease Coverage: The plan covers pre-existing diseases after a waiting period of 2-4 years, depending on the disease and the plan variant.
4. No Claim Bonus: You can earn a no-claim bonus of up to 100% of the sum insured for each claim-free year.
5. Tax Benefits: You can avail tax benefits under Section 80D of the Income Tax Act, 1961.
6. Preventive Health Check-Ups: The plan covers preventive health check-ups, promoting health and wellness.
7. Organ Donor Expenses: The plan covers organ donor expenses, including hospitalization and medical expenses.
8. Domiciliary Hospitalization: The plan covers domiciliary hospitalization expenses, including medical expenses incurred at home.
Benefits:
1. Comprehensive Coverage: The plan provides comprehensive coverage for medical expenses, including hospitalization, surgery, and diagnostic tests.
2. Financial Protection: The plan provides financial protection against medical emergencies, ensuring that you receive the best possible treatment without worrying about the costs.
3. Flexibility: The plan offers flexibility in terms of sum insured options, policy tenure, and payment frequencies.
4. Promotes Health and Wellness: The plan promotes health and wellness by covering preventive health check-ups and offering discounts on premium for healthy habits.
Who Can Buy:
1. Individuals: The plan can be purchased by individuals between the ages of 18 and 65 years.
2. Families: The plan can be purchased for families, including spouses, dependent children, and parents.
How to Buy:
1. Online: You can buy the plan online through the ICICI Lombard website or through online insurance aggregators.
2. Offline: You can buy the plan offline through ICICI Lombard branches or through authorized agents.
Documents Required:
1. Age Proof: Proof of age, such as a birth certificate or passport.
2. Identity Proof: Proof of identity, such as a PAN card or driving license.
3. Address Proof: Proof of address, such as a utility bill or bank statement.
4. Medical Certificate: A medical certificate may be required for individuals with pre-existing diseases.
Add-Ons:
- Reduction in PED: Reduces the pre-existing disease waiting period from 36 months to 24 or 12 months.
- Claim Protector: Provides extended coverage for excluded items like syringes, gloves, and PPE kits.
- Power Booster: Offers an additional 100% of the base sum insured as a bonus, with no maximum capping .
- Maternity Waiting Period Reduction: Reduces the maternity waiting period from 2 years to 1 year.
- Personal Accident Cover: Provides a lump sum payout of up to ₹50 lakh in case of accidental death.
- Room Modifier: Modifies the room rent restriction from single private room to any room or twin-sharing room.
- Reduction in Specific Illness Waiting Period: Reduces the specific illness waiting period from 2 years to 1 year.
- Compassionate Visit: Covers the cost of an economy-class air ticket for an immediate family member visiting the insured during hospitalization.
- Durable Equipment Cover: Covers the cost of durable medical equipment like ventilators, wheelchairs, and prosthetic devices.
- Co-payment: Allows you to opt for co-payment between 10% to 50%.
- Jumpstart: Reduces the waiting period for certain diseases like asthma, diabetes, and hypertension from 3 years to 30 days.
- Annual Health Check-up: Provides free health check-ups every year, subject to certain limits and tests.
- Maternity: Offers added coverage for maternity expenses, limited to 10% of the base sum insured, up to ₹1 lakh.
- Critical Illness: Provides a lump sum payout in case of critical illness diagnosis.
- OPD+: Offers cashless coverage for outpatient care, including doctor consultations, diagnostics, and pharmacy expenses.
- Worldwide Cover: Provides cashless coverage for hospitalization abroad, up to ₹3 crore.
- Infinite Care: Offers unlimited coverage for any one claim of your choice during the policy lifetime.
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