ICICI Lombard Elevate

The **ICICI Lombard Elevate** plan is a comprehensive health insurance policy offering a wide range of benefits with a focus on personalization and a high sum insured. The plan is designed to be flexible, allowing you to choose from various add-on covers to suit your specific healthcare needs. It incorporates modern features like digital wellness tools and a simple claims process, aiming to provide a seamless and worry-free experience.

• In-Patient Hospitalization: Covers expenses for hospitalization of over 24 hours, including room rent, ICU charges, doctor's fees, and surgical expenses.
• Pre & Post Hospitalization: Covers medical expenses incurred **90 days** before and **180 days** after hospitalization.
• Unlimited Sum Insured Restoration: The policy offers an unlimited reset of the sum insured for future claims in a policy year, if the base sum is exhausted.
• Day Care Procedures: Covers a wide range of medical procedures that do not require 24 hours of hospitalization due to advancements in medical technology.
• AYUSH Treatment: Expenses for in-patient treatment under Ayurveda, Yoga, Unani, Siddha, and Homeopathy are covered up to the sum insured.
• Modern Treatment Coverage: Covers new-age and high-end treatments like robotic surgeries, stem cell therapy, and more.
• Guaranteed Cumulative Bonus: A 20% guaranteed cumulative bonus is added at the end of each policy year, irrespective of claims, up to a maximum of 100% of the sum insured.

The policy does not cover expenses for the following:

• Initial Waiting Period: Expenses for any illness within the first **30 days** of the policy, except for injuries resulting from an accident.
• Pre-existing Diseases: Pre-existing diseases are covered after a specified waiting period, which can be reduced with certain add-ons.
• Specified Diseases: Certain diseases like cataracts, hernias, and joint replacements have a specific waiting period, typically **24 months**.
• Cosmetic & Aesthetic Surgery: Procedures performed for cosmetic purposes are generally not covered unless required due to an accident.
• Harmful Habits: Treatment for injuries or illnesses arising from alcohol, drug abuse, or self-inflicted harm is excluded.
• Non-Medical Expenses: Costs for items like gloves, cotton, syringes, and other consumables are generally not covered unless a specific add-on is chosen.
• Adventure Sports: Injuries from participation in hazardous or adventure sports are excluded from the policy.