Elevate Health Insurance Plan
Features & Eligibility
- Sum Insured Options: ₹5 lakh up to ₹3 crore.
- Policy Tenure: Flexible—choose from 1, 2, 3, 4, or 5 years.
- Age Eligibility: From 18 years up to 125 years; covers children as dependents up to 30 years under family floater.
- Network: 10,300+ healthcare providers (hospitals) available for cashless treatment.
Coverage Benefits
- Inpatient & Daycare Treatment: Covers hospitalization (including ICU) and more than 150 daycare procedures.
- Pre-hospitalization: Up to 90 days before hospitalization.
- Post-hospitalization: Up to 180 days after discharge.
- AYUSH Treatment: Included up to the sum insured.
- Organ Donor & Modern Treatment: Covers donor expenses and modern therapies without limits.
- Domiciliary Treatment & Consumables: At-home treatment and consumables (e.g. masks, nebulizers) covered via add-on.
Key Add-ons & Special Features
Infinite Sum Insured / Infinite Claim Amount:
- Infinite Sum Insured ensures coverage never runs out.
- Infinite Claim Amount allows one unlimited claim during the policy lifetime, regardless of SI limits.
- Reset Benefit: Automatically resets the sum insured to the base amount—unlimited resets—even after partial use, except for the first claim.
- Power Booster (Super Loyalty Bonus): 100% cumulative bonus each renewal year (irrespective of claims), potentially stacking indefinitely—up to the renewal sum insured.
- Jumpstart (Infinite Assurance): Enables coverage for selected pre-existing conditions (e.g., diabetes, hypertension) from just 30 days after policy inception—not typical waiting periods.
- Customization via AI: The AI engine tailors add-ons and coverage to your needs, offering a personalized health plan.
- Other In-built Covers: Includes maternity/newborn, critical illnesses, travel, preventive care, inflation protection, air ambulance, home care, personal accidents, and more—totaling 15+ built-in covers.
- Worldwide Cashless Cover: Available up to ₹3 crore; optionally available with reduced waiting period.
- OPD+ Add-on: Access cashless OPD benefits—including doctor consults, diagnostics, pharmacy, dental and vision care, and unlimited teleconsultations via the IL TakeCare app.
- Loyalty Discounts: Up to 30% renewal discounts for staying active
Other Highlights
- Tax Benefits: Premiums eligible for deduction under Section 80D of the Income Tax Act.
- Instant and Hassle-Free: No medical check-ups required; instant policy issuance; 100% claim processing with add-ons; cashless activation within 60 minutes
|
Category
|
Details
|
|---|---|
|
Sum Insured
|
₹5 lakh to ₹3 crore
|
|
Policy Term
|
1–5 years
|
|
Age Eligibility
|
18–125 years; children up to 30 years under family floater
|
|
Hospital Network
|
10,300+ cashless hospitals
|
|
Core Coverage
|
Hospitalization, daycare, pre/post-hospitalization, AYUSH, organ donor, consumables
|
|
Lifetime Features
|
Infinite SI, Infinite Claim, Reset Benefit, Power Booster
|
|
PED Advantage
|
Jumpstart allows PED benefits after 30 days
|
|
Customization
|
AI-powered personalization, 15+ built-in covers, add-ons like OPD+
|
|
Global Coverage
|
Worldwide cashless cover up to ₹3 crore
|
|
Convenience
|
No medical test, instant policy, quick claim processing, loyalty discounts
|
|
Tax Saving
|
Deduction under Section 80D
|