T i g to C eck Before Buyi g ICICI Elevate Healt I ura ce Buying health insurance isn9t just about premiums or brand names4it9s about protection, peace of mind, and choosing the right coverage for your medical needs. Among the top choices today, ICICI Health Insurance stands out in 2025 for its comprehensive features, digital tools, and flexible sum insured options through the Elevate plan. E e tial Coverage Co ideratio When evaluating the ICICI Elevate Health Insurance , several key coverage aspects demand careful attention to ensure the policy aligns with your specific health and financial needs. 1 Coverage A ou t (Su I ured) Choose the right sum insured based on your age, location, and healthcare needs. ICICI Elevate offers options starting from ¹ 5 lakh and goes up to ¹ 50 lakh or more for comprehensive protection. 2 Roo Re t Li it Ensure the plan offers a private single room without rent capping. Some plans may restrict room eligibility, leading to deductions at the time of claims. 3 Ca le Network Ho pital Check ICICI Lombard9s hospital network to confirm top hospitals in your city are included for cashless treatment convenience. 4 Pre Po t-Ho pitali atio Expe e Ensure you get sufficient coverage4at least 60 days before and 180 days after hospitalisation4 to cover diagnostics and medications. Treat e t a d Well e Be efit Beyond basic hospitalisation, a robust health insurance plan should cover various treatments and offer benefits that promote overall wellness and long-term health management. Daycare Treat e t Coverage Modern procedures like dialysis, cataract surgery, chemotherapy, and minor operations should be covered even if they don9t require 24-hour admission. Well e Reward OPD Cover Look for features like wellness tracking, fitness-linked benefits, and OPD consultations. These can reduce your long-term health costs. Coverage for C ro ic Di ea e If you have conditions like diabetes or high blood pressure, verify if these are covered from day one or have minimal waiting periods. Fi a cial Adva tage a d Policy Feature Understanding the financial mechanisms and unique features of your health insurance policy can significantly impact its value and your out-of-pocket expenses over time. 2x No Claim Bonus (NCB) can double your coverage in a few years at no extra cost. 100% Unlimited Recharge of Sum Insured automatically refills your sum insured if exhausted. 0% Co-Payment Clause can be waived for policyholders under a certain age, avoiding partial bill payments. Additio al Rider a d Clau e Beyond the core policy, various add-on riders and specific clauses can enhance your coverage or introduce limitations. It's crucial to understand these before committing to a plan. Add-On Riders: Useful riders include critical illness cover, maternity cover, accidental coverage, and personal accident protection. Choose what9s relevant for your family. Co-Payment Clause: Avoid plans that force you to pay a part of the medical bill. Some ICICI plans waive co-payment for policyholders under a certain age. Waiting Periods for Pre-existing Conditions: Most plans have a waiting period (typically 233 years) for pre-existing diseases. Confirm this in writing before you buy. Digital Acce a d Policy Ma age e t In today's digital age, the ease of managing your health insurance policy through digital platforms is a significant convenience factor. This includes accessing policy details, managing claims, and utilising health benefits. Digital Policy Acce Mobile App Check if you can manage your policy through a mobile app4such as downloading e-cards, booking consultations, and tracking claims. Free A ual Healt C eck-up Many ICICI Elevate plans offer annual health check- ups for the insured members. A great feature to monitor your health regularly. Lo g-Ter Policy Co ideratio When selecting a health insurance policy, it's vital to think beyond immediate needs and consider the long-term implications, such as policy renewal and the ability to switch insurers without losing benefits. Policy Re ewal Ensure your policy offers lifetime renewability, providing continuous coverage as you age. Portability Verify that the policy can be ported easily if you ever want to switch insurers without losing accumulated benefits. W o S ould Co ider ICICI Elevate Healt I ura ce? The ICICI Lombard Elevate Health Insurance plan is designed to cater to a diverse range of individuals and families, offering features that align with various lifestyles and health priorities. Worki g Profe io al Ideal for salaried employees seeking comprehensive and modern health coverage. Fa ilie Suitable for families looking for benefit-rich health insurance with flexible options. I dividual wit C ro ic Di ea e Beneficial for those with conditions like diabetes or hypertension, with specific coverage considerations. Healt -Co ciou I dividual Appeals to those who value OPD and wellness benefits, promoting proactive health management. Digital-Fir t Buyer Perfect for those who prefer online access and easy claim handling through digital tools. ICICI Lombard Elevate Health Insurance is a strong health plan loaded with features and smart digital tools. But no policy fits all. Use this checklist as a practical guide to analyse your needs, read the fine print, and choose confidently. Smart health coverage starts with smart evaluation.