Skip to content

Health Insurance · head to head

Elevate vs Health Infinity

Save New comparison

ICICI Lombard

Elevate

Premium depends on your profile

Quick verdict

  • Health Infinity is better for high sum insured available.

Computed from stored specifications, the published health insurance scoring rules and recorded prices. Not an opinion.

Specifications side by side

Spec
Elevate
Health Infinity
Cover
Plan type
Individual and family floater
Individual and family floater
Sum insured options
5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 1 crore, 3 crore
3 lakh, 5 lakh, 10 lakh, 15 lakh, 25 lakh, 50 lakh, 1 crore, 2 crore, 3 crore, 4 crore, 5 crore
Highest sum insured
300 lakh
500 lakh
Entry age
91 days (floater only); 6 years for individual to 125 years
91 days to 65 years
Room rent
Up to a Single Private AC room
—
Co-payment
None (no zone based co-payment; optional voluntary co-payment)
None for Zone A premium; 20% if Zone B premium and treated in Zone A
Waiting periods
Initial waiting period
30 days
30 days
Pre-existing disease waiting
36 months
36 months
Specific illness waiting
24 months
24 months
Benefits
Pre-hospitalisation
90 days
90 days
Post-hospitalisation
180 days
180 days
Day-care treatment
Yes
Yes
AYUSH treatment
Yes
Yes
Restore benefit
Reset Benefit: up to 100% of the Sum Insured, unlimited times in a policy year (does not trigger for the first claim)
Restore Benefit equal to 100% of the Sum Insured, applied once per Policy Year (optional Unlimited Restore)
No-claim bonus
Loyalty Bonus: 20% of the expiring or renewed Sum Insured (whichever is lower) each policy year, regardless of claims
—
Maternity
Optional cover: up to 10% of Sum Insured, max Rs 1 lakh, family floater only, 24-month waiting period
Optional add-on (Mother and Child Care), 12/24-month waiting as opted
OPD
Not covered in base (optional BeFit cover)
Optional add-on (OPD Cover)
Insurer
Health incurred claim ratio (insurer)
82.24%
87.34%
Claims figures for
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
Network hospitals (insurer)
14,000+ (as of 30 Sep 2026)
10,000+
IRDAI UIN
ICIHLIP27057V062627
RELHLIP23120V042223

A tick marks the better value where the category rules say higher (or lower) is better. Text values are shown without a winner. Ties have no winner.

Pros and cons

Elevate

  • Pro: 90 days of pre-hospitalisation cover, longer than 79% of the 49 health insurance plans on Comparezi that state it

Health Infinity

  • Pro: 90 days of pre-hospitalisation cover, longer than 79% of the 49 health insurance plans on Comparezi that state it
  • Pro: Sum insured up to ₹5 crore, higher than 88% of the 52 health insurance plans on Comparezi that state it
Compare