{"uin":"ICIHLIP27057V062627","name":"Elevate","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627","insurer":{"slug":"icici-lombard-general-insurance","name":"ICICI LOMBARD General Insurance Company Limited","url":"https://indiainsurances.com/insurer/icici-lombard-general-insurance"},"line":"health","category":"health-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Elevate is a health insurance policy with individual or floater sum insured from ₹5,00,000 to Unlimited and policy terms of one to five years. It has a 30-day initial waiting period, 36 months for pre-existing diseases, 24 months for specified diseases, and optional covers including Worldwide Cover and Elevate HER Women Care.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:28:17.482491+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"No named base-plan variants are stated. The documents name optional covers and add-on plans, which are listed under optional_covers.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"One, two, three, four or five years.","display":"1 year / 2 years / 3 years / 4 years / 5 years","note":"From the prospectus.","quote":"Policy Tenure : You can opt for a Policy with Policy period of one year / two years / three years / four years / five years.","sources":[{"clause":"1","heading":"Policy Tenure","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20130#c-1-2"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For cashless treatment, pre-authorisation must be requested at least 48 hours before planned hospitalisation and within 24 hours of hospitalisation in an emergency. For reimbursement, notice and documents must be given promptly and as soon as possible after discharge.","display":"Cashless: at least 48 hours before planned hospitalisation; emergency within 24 hours of hospitalisation. Reimbursement: promptly/as soon as possible after discharge.","note":null,"quote":"You must request pre-authorization at least 48 hours before a planned Hospitalization and in case of an Emergency Care, within 24 hours of Hospitalization. ... You or someone claiming on Your behalf must promptly and in any event as soon as possible of Your discharge from a Hospital","sources":[{"clause":null,"heading":"Pre-authorization","page":99,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-pre-authorization"},{"clause":null,"heading":"B. For Reimbursement Settlement","page":100,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-b-for-reimbursement-settlement"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Duly completed claim form signed by You and the Medical Practitioner","Original bills, receipts, and discharge certificate/ card from the Hospital/ Medical Practitioner","Original bills from chemists supported by proper prescription","Original investigation test reports and payment receipts","Indoor case papers","Medical Practitioner's referral letter advising Hospitalization in non-Accident cases","Any other document as required by Us or to investigate the claim or Our obligation to make payment for it"],"display":"Claim form, hospital bills/receipts/discharge certificate, chemist bills with prescription, investigation reports and receipts, indoor case papers, referral letter for non-accident hospitalisation, and any other document required.","note":null,"quote":"You shall be required to furnish the following documents for or in support of a reimbursement claim:\na) Duly completed claim form signed by You and the Medical Practitioner. The claim form can be downloaded from our website www.icicilombard.com.\nb) Original bills, receipts, and discharge certificate/ card from the Hospital/ Medical Practitioner.\nc) Original bills from chemists supported by proper prescription.\nd) Original investigation test reports and payment receipts.\ne) Indoor case papers.\nf) Medical Practitioner's referral letter advising Hospitalization in non-Accident cases.\ng) Any other document as required by Us or to investigate the claim or Our obligation to make payment for it.","sources":[{"clause":null,"heading":"2. Claim Documents","page":101,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-2-claim-documents"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"For cashless, the insurer will respond within 1 hour of actual receipt of the pre-authorisation request and grant final authorisation within 3 hours of the discharge authorisation request. For reimbursement, the claim will be processed within 15 days of receipt of the claim with claim form and documents.","display":"Cashless: response within 1 hour; final authorisation within 3 hours. Reimbursement: processed within 15 days of receipt of claim, claim form and documents.","note":null,"quote":"We will respond within 1 hour of the actual receipt of such pre-authorization request. Further, we shall grant final authorization within 3 hours of the receipt of discharge authorization request from the hospital. ... The claim will be processed within 15 days of receipt of claim along with claim form and documents.","sources":[{"clause":null,"heading":"Pre-authorization","page":99,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-pre-authorization"},{"clause":null,"heading":"B. For Reimbursement Settlement","page":100,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-b-for-reimbursement-settlement"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Treatment of a Pre-existing Disease and its direct complications, until the expiry of 36 months","Treatment of the below-listed conditions and surgeries/treatments, until the expiry of 24 months","Treatment of the below mentioned Illnesses within 90 days from the first Policy start date","Treatment of any Illness within 30 days from the first Policy start date, except covered claims arising due to an Accident","Any admission for diagnostics and evaluation purposes only","Expenses related to any admission for enforced bed rest and not for receiving treatment","Expenses related to the surgical treatment of obesity that does not fulfil all the below conditions","Treatment, including surgical management, to change characteristics of the body to those of the opposite sex","Cosmetic or plastic surgery or any treatment to change appearance","Treatment necessitated due to participation as a professional in hazardous or adventure sports","Treatment directly arising from or consequent to Your commission or attempt to commit a breach of law with criminal intent","Treatment for alcoholism, drug or substance abuse, or any addictive condition and consequences thereof","Expenses related to sterility and infertility","Maternity: Code Excl18","War (whether declared or not) and war like occurrence or invasion"],"display":"Waiting-period exclusions for PED, specified diseases, 90-day listed illnesses and 30-day illness period, plus main standard exclusions such as diagnostics-only admission, rest cure, obesity not meeting criteria, change of gender, cosmetic surgery, professional hazardous sports, breach of law, alcohol/drug abuse, sterility/infertility, maternity and war.","note":null,"quote":"Treatment of a Pre-existing Disease and its direct complications, until the expiry of 36 months of continuous coverage after the date of inception of the first Policy with Us. ... Treatment of the below-listed conditions and surgeries/treatments, until the expiry of 24 months of continuous coverage after the date of inception of the first Policy with us. ... Treatment of the below mentioned Illnesses within 90 days from the first Policy start date ... Treatment of any Illness within 30 days from the first Policy start date, except covered claims arising due to an Accident. ... Any admission for diagnostics and evaluation purposes only, and any diagnostic expenses which are not related or not incidental to the current diagnosis and treatment. ... Expenses related to any admission for enforced bed rest and not for receiving treatment are excluded. ... Expenses related to the surgical treatment of obesity that does not fulfil all the below conditions: ... Treatment, including surgical management, to change characteristics of the body to those of the opposite sex. ... Cosmetic or plastic surgery or any treatment to change appearance ... Treatment necessitated due to participation as a professional in hazardous or adventure sports ... Treatment directly arising from or consequent to Your commission or attempt to commit a breach of law with criminal intent. ... Treatment for alcoholism, drug or substance abuse, or any addictive condition and consequences thereof. ... Expenses related to sterility and infertility. ... Maternity: Code Excl18 ... War (whether declared or not) and war like occurrence or invasion","sources":[{"clause":"Excl01","heading":"Pre-Existing Diseases - Code- Excl01","page":83,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-excl01"},{"clause":"Excl02","heading":"Specified Disease / Procedure Waiting Period / Specific Waiting Period - Code- Excl02","page":84,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-excl02"},{"clause":null,"heading":"3. 90-day Waiting Period","page":85,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-3-90-day-waiting-period"},{"clause":null,"heading":"4. 30-day Waiting Period- Code- Excl03","page":85,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-4-30-day-waiting-period-code-excl03"},{"clause":"Excl04","heading":"Investigation & Evaluation- Code- Excl04","page":85,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-excl04"},{"clause":"Excl05","heading":"Rest Cure, Rehabilitation and Respite care- Code- Excl05","page":85,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-excl05"},{"clause":"Excl06","heading":"Obesity/ Weight Control: Code- Excl06","page":85,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-excl06"},{"clause":"Excl07","heading":"Change-of-Gender Treatments: Code- Excl07","page":86,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-excl07"},{"clause":"Excl08","heading":"Cosmetic or Plastic Surgery: Code- Excl08","page":86,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-excl08"},{"clause":"Excl09","heading":"Hazardous or Adventure Sports: Code- Excl09","page":86,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-excl09"},{"clause":"Excl10","heading":"Breach of Law: Code- Excl10","page":86,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-excl10"},{"clause":"Excl12","heading":"Alcohol, Drugs, or Substance Abuse: Code- Excl12","page":86,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-excl12"},{"clause":"Excl17","heading":"Sterility and lnfertility: Code- Excl 17","page":87,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-excl17"},{"clause":"Excl18","heading":"Maternity: Code Excl18","page":87,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-excl18"},{"clause":"Excl18(c)","heading":null,"page":88,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-excl18-c"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact ICICI Lombard through the website, toll-free number 1800 2666, email customersupport@icicilombard.com, the stated Mumbai address, or the grievance cell at a branch. If not satisfied, contact the grievance officer, then IRDAI/Bima Bharosa or the Insurance Ombudsman.","display":"Complain first to ICICI Lombard: www.icicilombard.com, 1800 2666, customersupport@icicilombard.com, Mumbai address, or branch grievance cell; then grievance officer, IRDAI/Bima Bharosa or Ombudsman.","note":null,"quote":"In case of any grievance, You may contact us through:\nWebsite: www.icicilombard.com Toll free number: 1800 2666 Email: customersupport@icicilombard.com ICICI Lombard General Insurance Co. Ltd. Ground floor- Interface 11, Sixth floor- Interface 16 Office no 601 & 602, New linking Road, Malad (West), Mumbai – 400064 ... You may also approach the grievance cell at any of Our branches with the details of grievance. ... lf You not satisfied with the redressal of grievance, You may contact the grievance officer","sources":[{"clause":null,"heading":"14. Nomination","page":93,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-14-nomination"},{"clause":null,"heading":"ICICI Lombard General Insurance Company Limited","page":93,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-icici-lombard-general-insurance-company-limited-94"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"quote-verified","value":"Minimum Sum Insured is ₹5,00,000 and maximum Sum Insured is Unlimited.","display":"Minimum ₹5,00,000; Maximum Unlimited","note":"From the prospectus.","quote":"Sum Insured : This denotes the maximum amount of cover available to You for a Policy Period of one year. Minimum Sum Insured : ₹5,00,000 Maximum Sum Insured : Unlimited","sources":[{"clause":"3","heading":"Sum Insured","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20130#c-3-2"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Does not apply to covered accident claims; applies afresh to enhanced Sum Insured.","quote":"Treatment of any Illness within 30 days from the first Policy start date, except covered claims arising due to an Accident.","sources":[{"clause":null,"heading":"4. 30-day Waiting Period- Code- Excl03","page":85,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-4-30-day-waiting-period-code-excl03"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":36},"display":"36 months","note":"Coverage after 36 months is subject to the pre-existing disease being declared at application and accepted by the insurer.","quote":"Treatment of a Pre-existing Disease and its direct complications, until the expiry of 36 months of continuous coverage after the date of inception of the first Policy with Us.","sources":[{"clause":"Excl01","heading":"Pre-Existing Diseases - Code- Excl01","page":83,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-excl01"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"months","amount":24},"display":"24 months","note":"Optional Cover 26 can reduce the Excl02 waiting period from 24 months to 12 months, if opted and subject to its conditions.","quote":"Treatment of the below-listed conditions and surgeries/treatments, until the expiry of 24 months of continuous coverage after the date of inception of the first Policy with us. ... We will reduce the waiting period applicable under Exclusion- Specified disease/procedure waiting period (Code- Excl02) from 24 months to 12 months","sources":[{"clause":"Excl02","heading":"Specified Disease / Procedure Waiting Period / Specific Waiting Period - Code- Excl02","page":84,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-excl02"},{"clause":"26","heading":"Specific Illness Waiting Period Reduction Option","page":56,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-26"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["Any types of gastric or duodenal ulcers","Benign prostatic hypertrophy","All types of sinuses","Hemorrhoids","Dysfunctional uterine bleeding","Endometriosis","Stones in the urinary and biliary systems","Surgery on ears / tonsils / adenoids / paranasal sinuses","Cataracts","Hernia of all types and hydrocele","Fistulae in anus","Fissure in anus","Fibromyoma","Hysterectomy","Surgery for any skin ailment","Surgery on all internal or external tumours / cysts / nodules / polyps of any kind including breast lumps with exception of malignancy","Dialysis required for chronic renal failure","Joint replacement surgeries unless necessitated by Accident happening after the Policy risk inception date","Dilatation and curettage","Varicose veins and varicose ulcers","Non-infective arthritis and other form arthritis","Gout and rheumatism","Prolapse inter vertebral disc and spinal diseases, including spondylitis/spondylosis, unless arising from Accident"],"display":"Gastric/duodenal ulcers, BPH, sinuses, hemorrhoids, dysfunctional uterine bleeding, endometriosis, urinary/biliary stones, ENT surgeries, cataract, hernia/hydrocele, fistula/fissure, fibromyoma, hysterectomy, skin surgery, tumours/cysts/nodules/polyps, chronic renal failure dialysis, joint replacement, D&C, varicose veins/ulcers, arthritis, gout/rheumatism, and spinal disc/spinal diseases.","note":null,"quote":"e) List of conditions and surgeries/treatments:\ni) Any types of gastric or duodenal ulcers.\nii) Benign prostatic hypertrophy.\niii) All types of sinuses.\niv) Hemorrhoids.\nv) Dysfunctional uterine bleeding.\nvi) Endometriosis.\nvii) Stones in the urinary and biliary systems.\nviii) Surgery on ears / tonsils / adenoids / paranasal sinuses.\nix) Cataracts.\nx) Hernia of all types and hydrocele.\nxi) Fistulae in anus.\nxii) Fissure in anus.\nxiii) Fibromyoma.\nxiv) Hysterectomy.\nxv) Surgery for any skin ailment.\nxvi) Surgery on all internal or external tumours / cysts / nodules / polyps of any kind including breast lumps with exception of malignancy.\nxvii) Dialysis required for chronic renal failure.\nxviii) Joint replacement surgeries unless necessitated by Accident happening after the Policy risk inception date.\nxix) Dilatation and curettage.\nxx) Varicose veins and varicose ulcers.\nxxi) Non-infective arthritis and other form arthritis.\nxxii) Gout and rheumatism.\nxxiii) Prolapse inter vertebral disc and spinal diseases, including spondylitis/spondylosis, unless arising from Accident.","sources":[{"clause":"Excl02","heading":"Specified Disease / Procedure Waiting Period / Specific Waiting Period - Code- Excl02","page":84,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-excl02"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"60 continuous months","note":"For enhanced Sum Insured, 60 continuous months applies from the date of enhancement on the enhanced limits.","quote":"After completion of 60 continuous months of coverage (including portability and migration) under the Policy, no Policy and claim shall be contestable by Us except on grounds of established fraud.","sources":[{"clause":null,"heading":"12. Moratorium Period","page":93,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-12-moratorium-period"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"You can port the policy from one insurer to another by applying to the new insurer for the entire policy and all family members at least 30 days before, but not earlier than 60 days from, the renewal due date. Credits can be transferred to the extent of the Sum Insured and benefits available in the previous policy, subject to underwriting.","display":"Can port to another insurer; apply 30 to 60 days before renewal, with transfer of credits to the extent of Sum Insured and previous benefits, subject to underwriting.","note":null,"quote":"You have the choice to port your Policies from one Insurer to another. You shall apply to such insurer to port the entire policy along with all the members of Your family, if any, at least 30 days before, but not earlier than 60 days from the due date for renewal. ... You are entitled to transfer the credits gained to the extent of the Sum Insured and the benefits available in the previous Policy, subject to Our underwriting policy.","sources":[{"clause":"Excl18(a)","heading":null,"page":92,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-excl18-a-4"},{"clause":"Excl18(b)","heading":null,"page":92,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-excl18-b-4"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"quote-verified","value":true,"display":"Yes, no maximum age limit for Renewal","note":"From the prospectus.","quote":"Lifetime renewability: There is no maximum age limit for Renewal.","sources":[{"clause":"2","heading":"Lifetime renewability","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20130#c-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"Renewal premium loadings for individual products are at portfolio level and not based on any individual policy's claim experience.","display":"No individual claim-based renewal loading; loadings are at portfolio level.","note":"The clause also says a discount may be provided for good claims experience.","quote":"For individual products, the loadings on renewal premium shall be at portfolio and not based upon any individual Policy claim experience.","sources":[{"clause":"Excl18(d)(iv)","heading":null,"page":91,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-excl18-d-iv"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"quote-verified","value":["Excl04 Investigation & Evaluation","Excl05 Rest Cure, Rehabilitation and Respite care","Excl06 Obesity/ Weight Control","Excl07 Change-of-Gender Treatments","Excl08 Cosmetic or Plastic Surgery","Excl09 Hazardous or Adventure Sports","Excl10 Breach of Law","Excl11 Excluded Providers","Excl12 Alcohol, Drugs, or Substance Abuse","Excl13 Hydrotherapy","Excl14 Dietary Supplements","Excl15 Refractive Error","Excl16 Unproven Treatments","Excl17 Sterility and lnfertility","Excl18 Maternity","War (whether declared or not) and war like occurrence or invasion","Nuclear, chemical or biological attack or weapons","Out-Patient treatment, unless Optional Cover - BeFit has been opted","Treatment taken outside the geographical limits of India","Intentional self-injury"],"display":"Permanent exclusions include Excl04 to Excl18, plus war, nuclear/chemical/biological attack, outpatient treatment unless BeFit is opted, treatment outside India unless Worldwide Cover is opted, and intentional self-injury.","note":"Excl01 to Excl03 are waiting-period exclusions and are not included here.","quote":"Excl04 Investigation & Evaluation- Code- Excl04 ... Excl05 Rest Cure, Rehabilitation and Respite care- Code- Excl05 ... Excl06 Obesity/ Weight Control: Code- Excl06 ... Excl07 Change-of-Gender Treatments: Code- Excl07 ... Excl08 Cosmetic or Plastic Surgery: Code- Excl08 ... Excl09 Hazardous or Adventure Sports: Code- Excl09 ... Excl10 Breach of Law: Code- Excl10 ... Excl11 Excluded Providers: Code- Excl11 ... Excl12 Alcohol, Drugs, or Substance Abuse: Code- Excl12 ... Excl13 Hydrotherapy: Code- Excl13 ... Excl14 Dietary Supplements: Code- Excl14 ... Excl15 Refractive Error: Code- Excl15 ... Excl16 Unproven Treatments: Code- Excl 16 ... Excl17 Sterility and lnfertility: Code- Excl 17 ... Excl18 Maternity: Code Excl18 ... War (whether declared or not) and war like occurrence or invasion ... Nuclear, chemical or biological attack or weapons ... Out-Patient treatment, unless Optional Cover - BeFit has been opted. ... Treatment taken outside the geographical limits of India. ... Intentional self-injury (whether arising from an attempt to commit suicide or otherwise).","sources":[{"clause":"Excl04","heading":"Investigation & Evaluation- Code- Excl04","page":85,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-excl04"},{"clause":"Excl05","heading":"Rest Cure, Rehabilitation and Respite care- Code- Excl05","page":85,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-excl05"},{"clause":"Excl06","heading":"Obesity/ Weight Control: Code- Excl06","page":85,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-excl06"},{"clause":"Excl07","heading":"Change-of-Gender Treatments: Code- Excl07","page":86,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-excl07"},{"clause":"Excl08","heading":"Cosmetic or Plastic Surgery: Code- Excl08","page":86,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-excl08"},{"clause":"Excl09","heading":"Hazardous or Adventure Sports: Code- Excl09","page":86,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-excl09"},{"clause":"Excl10","heading":"Breach of Law: Code- Excl10","page":86,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-excl10"},{"clause":"Excl11","heading":"Excluded Providers: Code- Excl11","page":86,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-excl11"},{"clause":"Excl12","heading":"Alcohol, Drugs, or Substance Abuse: Code- Excl12","page":86,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-excl12"},{"clause":"Excl13","heading":"Hydrotherapy: Code- Excl13","page":86,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-excl13"},{"clause":"Excl14","heading":"Dietary Supplements: Code- Excl14","page":86,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-excl14"},{"clause":"Excl15","heading":"Refractive Error: Code- Excl15","page":87,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-excl15"},{"clause":"Excl16","heading":"Unproven Treatments: Code- Excl 16","page":87,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-excl16"},{"clause":"Excl17","heading":"Sterility and lnfertility: Code- Excl 17","page":87,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-excl17"},{"clause":"Excl18","heading":"Maternity: Code Excl18","page":87,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-excl18"},{"clause":"Excl18(c)","heading":null,"page":88,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-excl18-c"},{"clause":"Excl18(c)","heading":"Biological attack or weapons","page":88,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-excl18-c-2"},{"clause":null,"heading":"ICICI Lombard General Insurance Company Limited","page":88,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-icici-lombard-general-insurance-company-limited-89"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"You may cancel by giving 7 days' written notice. The insurer refunds proportionate premium for the unexpired period for policies up to 1 year if a claim was made during the policy period, and refunds premium for unexpired policy years for terms over 1 year where risk cover has not commenced; no refund is made if any claim has been admitted or lodged or any benefit availed.","display":"7 days' written notice; proportionate/unexpired premium refund as applicable, but no refund if any claim is admitted/lodged or any benefit availed.","note":"Cancellation during the free-look period is governed by the free-look clause.","quote":"You may cancel this policy by giving 7 days’ written notice and in such an event, We shall: ... Refund proportionate premium for unexpired Policy Period, if the term of the Policy is up to 1 year and claim was made during the Policy Period. ... Refund premium for the unexpired Policy Period, in respect of Policies with term more than 1 year and risk coverage for such Policy Years has not commenced. ... no refunds of premium shall be made in respect of cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by You under the Policy.","sources":[{"clause":null,"heading":"4. Multiple Policies","page":90,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-4-multiple-policies"},{"clause":"Excl18(d)(i)","heading":null,"page":90,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-excl18-d-i"},{"clause":"Excl18(d)(ii)","heading":null,"page":91,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-excl18-d-ii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"Medical treatment is covered in India only unless the optional Worldwide Cover has been opted.","display":"India only, unless Optional Cover - Worldwide Cover is opted","note":null,"quote":"All medical treatment for the purpose of this insurance will have to be taken in India only, unless Optional Cover - Worldwide Cover has been opted for.","sources":[{"clause":null,"heading":"20. Territorial Limit","page":96,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-20-territorial-limit"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Refund is subject to deduction of proportionate risk premium, medical examination expenses and stamp duty charges.","quote":"Under a new individual health Policy, , You shall be provided a free look period of 30 days beginning from the date of receipt of the Policy, whether received electronically or otherwise, to review the terms and conditions of such Policy.","sources":[{"clause":null,"heading":"4. Multiple Policies","page":90,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-4-multiple-policies"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days; 15 days where premium payment mode is on an installment basis","note":"The definition clause says fifteen days where premium payment mode is monthly and thirty days in all other cases; the instalment clause says 15 days where premium payment mode is on an installment basis.","quote":"At the end of the Policy Period, the Policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of benefits without Break in Policy. ... The grace period is 15 days where premium payment mode is on an installment basis, and 30 days in all other cases.","sources":[{"clause":"Excl18(d)(iii)","heading":null,"page":91,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-excl18-d-iii"},{"clause":null,"heading":"ICICI Lombard General Insurance Company Limited","page":91,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-icici-lombard-general-insurance-company-limited-92"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Minimum entry age is 6 years for an individual policy, with proposer at least 18 years; maximum entry age is up to 125 years. Children aged 91 days to 5 years can be insured only under a floater, and dependent children under a floater can be covered up to 30 years.","display":"Minimum 6 years; maximum up to 125 years. Children 91 days to 5 years floater only; proposer 18 years and above.","note":"From the prospectus.","quote":"Entry age : This Policy can be offered to an individual with minimum age of 6 years (Proposer needs to be 18 years and above). Maximum entry age is up to 125 years. Children between ages of 91 days to 5 years can be insured only under a floater only. Maximum age for dependent children under Floater Policy is 30 years.","sources":[{"clause":"1","heading":"Entry age","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20130#c-1"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["quarterly","half-yearly","monthly"],"display":"quarterly, half-yearly, or monthly","note":"The policy wording states instalment modes; it does not expressly list annual mode in the extracted clauses.","quote":"If You have opted for payment of premium on an installment basis ie quarterly, half-yearly, or monthly, as mentioned in the Policy Schedule","sources":[{"clause":null,"heading":"ICICI Lombard General Insurance Company Limited","page":91,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-icici-lombard-general-insurance-company-limited-92"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["Infinite Care","Power Booster (Super Loyalty Bonus)","Jumpstart","Chronic Disease Management Program","Maternity Benefit","New Born Baby Cover","Vaccinations for Newborn Baby in the first year","BeFit","Worldwide Cover","Claim Protector","Inflation Protector","Domestic Air Ambulance Cover","Convalescence Benefit","Nursing at Home","Compassionate Visit","Health Check-Up","Critical Illness","Personal Accident","Voluntary Co-Payment","Voluntary Deductible","Dependent Accommodation Benefit","Durable Medical Equipment Cover","Tele Consultation(s)","Waiting Period Reduction Option","Maternity Waiting Period Reduction Option","Specific Illness Waiting Period Reduction Option","Worldwide Cover Waiting Period Reduction Option","Room Modifier","Network Advantage","NRI Advantage - Cover for NRI","Senior Care Value Added Services","2 - Hour Hospitalization","Vital Essence","Elevate HER – Women Care Add-on","Power Booster Plus"],"display":"35 optional covers including Infinite Care, Power Booster, Jumpstart, CDMP, maternity/newborn/vaccination, BeFit, Worldwide Cover, Claim Protector, Inflation Protector, Air Ambulance, Convalescence, Nursing at Home, Compassionate Visit, Health Check-Up, Critical Illness, Personal Accident, voluntary co-pay/deductible, Room Modifier, Network/NRI Advantage, Senior Care, 2-Hour Hospitalization, Vital Essence, Elevate HER and Power Booster Plus.","note":"Clause 15(IV)(a) states no additional premium is required for Voluntary Co-Payment, Voluntary Deductible, Network Advantage, NRI Advantage and Vital Essence; the policy still lists them under Optional Covers.","quote":"ii. Optional Covers (Applicable if opted by the Insured): -\nc. ii.1\n1. Infinite Care - Unlimited coverage for any one claim ... 2. Power Booster (Super Loyalty Bonus) ... 3. Jumpstart ... 4. Chronic Disease Management Program (Only Cashless Basis) ... 5. Maternity Benefit ... 6. New Born Baby Cover ... 7. Vaccinations for new born baby in first year ... 8. BeFit ... 9. Worldwide Cover ... 10. Claim Protector ... 11. Inflation Protector ... 12. Domestic Air Ambulance Cover ... 13. Convalescence benefit ... 14. Nursing at Home ... 15. Compassionate Visit ... 16. Health Check-up ... 17. Critical Illness ... 18. Personal Accident ... 19. Voluntary Co-Payment ... 20. Voluntary Deductible ... 21. Dependent Accommodation Benefit ... 22. Durable Medical Equipment Cover ... 23.Tele Consultation(s) ... 24. Waiting Period Reduction Option ... 25. Maternity Waiting Period Reduction Option ... 26. Specific Illness Waiting Period Reduction Option ... 27. Worldwide Cover Waiting Period Reduction Option ... 28. Room Modifier ... 29. Network Advantage ... 30. NRI Advantage- Cover for NRI ... 31. Senior Care Value Added Services ... 32. 2 – Hour Hospitalization: ... 33) Vital Essence : ... 34) Elevate HER Women Care: ... 35) Power Booster Plus:","sources":[{"clause":"15","heading":"Wellness Program","page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/19827#c-15"},{"clause":null,"heading":"ICICI Lombard General Insurance Company Limited","page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/19827#c-icici-lombard-general-insurance-company-limited-2"},{"clause":null,"heading":"ICICI Lombard General Insurance Company Limited","page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/19827#c-icici-lombard-general-insurance-company-limited-3"},{"clause":null,"heading":"ICICI Lombard General Insurance Company Limited","page":4,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/19827#c-icici-lombard-general-insurance-company-limited-4"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Coverage is not available during the renewal grace period. If premium is paid in instalments during the policy period, the insurer will offer coverage during the grace period.","display":"No cover during renewal grace period; coverage during grace if premium is paid in instalments during the policy period.","note":"The instalment-premium clause creates the exception for instalments paid during the policy period.","quote":"Coverage will not be available during the period for which no premium is received. ... At the end of the Policy Period, the Policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of benefits without Break in Policy. Coverage is not available during the Grace Period. ... We will offer coverage during the grace period, if the premium is paid in installments during the Policy Period.","sources":[{"clause":null,"heading":"ICICI Lombard General Insurance Company Limited","page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-icici-lombard-general-insurance-company-limited-2"},{"clause":"Excl18(d)(iii)","heading":null,"page":91,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-excl18-d-iii"},{"clause":null,"heading":"ICICI Lombard General Insurance Company Limited","page":91,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442#c-icici-lombard-general-insurance-company-limited-92"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for the hospital room, or the room category allowed. If you take a costlier room, other bills can be cut in proportion.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"room_category","label":"Room category allowed","section":"Limits and co-pay","meaning":"Shared room, single private room or any room, by plan, when the limit is a room type rather than a rupee amount.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"proportionate_deduction","label":"Proportionate deduction","section":"Limits and co-pay","meaning":"If you choose a room above your limit, whether the insurer reduces associated charges (doctor fees, tests, procedures) by the same proportion.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself, and when it applies (age, zone, choice of hospital).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments (cataract, knee replacement...), even if the sum insured is higher.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days after discharge that are paid if related to the hospitalisation.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital (chemotherapy, dialysis, cataract) and whether all or only listed ones are covered.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"domiciliary","label":"Treatment at home","section":"Cover","meaning":"Whether treatment at home is covered when hospital admission is not possible or a doctor advises it.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 1","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 2","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 1","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II A.I(1)","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"modern_treatments","label":"Modern treatments","section":"Cover","meaning":"Robotic surgery, immunotherapy, oral chemotherapy, stem cell therapy and the like, and any cap on them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"consumables","label":"Consumables and non-medical items","section":"Cover","meaning":"Gloves, PPE, syringes and other items hospitals bill that standard policies exclude; whether this policy pays them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 3","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch III I","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(4)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 2(1)(s)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(1)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"}]},{"key":"health_checkup","label":"Health check-up","section":"Cover","meaning":"Free preventive check-ups and how often.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"opd","label":"Out-patient (OPD) cover","section":"Cover","meaning":"Doctor consultations, tests and medicines without admission, and the limit.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"zone_pricing","label":"Zone or city-based premium","section":"Premium","meaning":"Whether premium or co-pay depends on the city you are treated in.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Elevate","pages":111,"fetched_at":"2026-10-20 02:40:01+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/elevate8c0007ff45fd68ff8a0df0055fa76070.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20442"},{"kind":"prospectus","label":"Elevate","pages":70,"fetched_at":"2026-10-20 02:18:33+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/elevate-prospectus_.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/20130"},{"kind":"cis","label":"Elevate","pages":16,"fetched_at":"2026-10-20 01:54:39+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/elevate-cis8c0007ff45fd68ff8a0df0055f9cca66.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/19827"},{"kind":"brochure","label":"Elevate HER","pages":14,"fetched_at":"2026-10-20 02:02:48+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/elevate-her-brochure-(2).pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627/document/19931"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"ICICI LOMBARD General Insurance official website","url":"https://www.icicilombard.com","note":"Website as listed by IRDAI. Not checked: the site blocks automated requests (bot wall) for our crawler on 2026-10-19; we do not bypass walls."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Elevate (UIN ICIHLIP27057V062627), IndiaInsurances, https://indiainsurances.com/policy/icici-lombard-general-insurance/elevate-icihlip27057v062627"}