By ICICI Lombard General Insurance Co. Ltd.
Indicative premium for a family of 4 with ₹10 Lakh cover. Actual premium varies by age, city, modules selected, and cover amount.
What makes ICICI Lombard Elevate Pro the most flexible health plan available
Add or remove coverage modules - OPD, global cover, mental health, wellness - based on your exact needs and budget. Pay only for what you use.
Sum insured restored an unlimited number of times per year once exhausted, ensuring continuous coverage without any cap on reinstatements.
Hospitalisation costs for treatment abroad covered, including major surgeries, transplants, and life-threatening conditions requiring overseas care.
Doctor consultations, pharmacy bills, and diagnostic tests outside hospitalisation are covered without requiring a separate OPD rider purchase.
In-patient psychiatric treatment and counselling sessions covered in compliance with IRDAI mental health parity regulations.
Earn wellness points for healthy habits - gym visits, health check-ups, steps tracking - redeemable against premium discounts and health benefits.
Any room category at any network hospital is covered without proportionate deductions on doctor fees, surgery costs, or nursing charges.
No co-payment clause applies. ICICI Lombard covers 100% of all eligible hospitalisation and treatment costs under the plan.
Full breakdown of inclusions and exclusions under ICICI Lombard Elevate Pro
| Coverage Feature | Details | Status |
|---|---|---|
| In-patient Hospitalisation | All hospitalisation above 24 hours | Fully Covered |
| Pre-hospitalisation | 60 days before admission | Covered |
| Post-hospitalisation | 180 days after discharge | Covered |
| Day-care Procedures | All IRDAI-listed procedures | Fully Covered |
| Room Rent | No cap - any category | No Sub-limit |
| ICU Charges | No sub-limit applicable | No Sub-limit |
| OPD Cover | Consultations, pharmacy, diagnostics | Included |
| Restoration | Unlimited restorations per year | Unlimited |
| Global Treatment | Major surgeries abroad | Covered |
| Mental Health | In-patient psychiatric treatment | Covered |
| Wellness Rewards | Points redeemable for premium discount | Covered |
| Co-payment | No co-payment clause | Zero Co-pay |
| Modular Add-ons | Add/remove modules at renewal | Flexible |
| Road Ambulance | Per hospitalisation | Covered |
| Air Ambulance | Per policy terms and sum insured | Covered |
| Domiciliary Hospitalisation | Doctor-recommended home treatment | Covered |
| Organ Donor Expenses | Medical expenses of donor | Covered |
| Modern Treatments | Including robotic surgery | Covered |
| AYUSH Treatments | At recognised AYUSH hospitals | Covered |
| Pre-existing Diseases | After 3-year waiting period | 3-yr Wait |
| Cosmetic Surgery | Unless due to accident | Excluded |
Profiles best matched to Elevate Pro
The modular plan design lets you precisely configure coverage. Tech-savvy buyers who want to build their own plan rather than accept a fixed bundle will find Elevate Pro ideal.
With OPD cover included as standard, those who visit doctors regularly, take medications, or undergo regular diagnostics will immediately use and benefit from this feature.
The global treatment cover makes this the strongest choice for professionals who travel internationally or may require treatment abroad for serious conditions.
The Wellness Rewards program rewards active lifestyle choices with tangible premium benefits, making it the only plan here that incentivises healthy behaviour financially.
An honest assessment of ICICI Lombard Elevate Pro
Common queries about ICICI Lombard Elevate Pro
Our advisors help you select the right modules for your health profile and budget - and compare Elevate Pro against all other options at no charge.
Chat on WhatsApp: +91 99301 40305See how ICICI Lombard Elevate Pro compares to other leading health insurance plans