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Health Insurance · head to head

Elevate vs OneHealth 10.0

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ICICI Lombard

Elevate

Premium depends on your profile

Quick verdict

  • Elevate is better for longer pre- and post-hospital cover.

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

Specifications side by side

Spec
Elevate
OneHealth 10.0
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, 4 lakh, 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 50 lakh, 1 crore, 2 crore, 3 crore
Highest sum insured
300 lakh
300 lakh
Entry age
91 days (floater only); 6 years for individual to 125 years
From 91 days (no maximum stated)
Room rent
Up to a Single Private AC room
Single private AC room
Co-payment
None (no zone based co-payment; optional voluntary co-payment)
20% if entry age is 61 years or more
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
60 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)
100% of SI for unlimited times and all illness on exhaustion and insufficiency from 2nd claim onwards
No-claim bonus
Loyalty Bonus: 20% of the expiring or renewed Sum Insured (whichever is lower) each policy year, regardless of claims
For SI < 10L - 20% of SI, for SI >= 10L - 50% of SI, subject to a maximum of 100%
Maternity
Optional cover: up to 10% of Sum Insured, max Rs 1 lakh, family floater only, 24-month waiting period
Optional: up to INR 1,00,000 or 2,00,000; waiting period 24 months (Option A) or 12 months with 3+ year tenure (Option B)
OPD
Not covered in base (optional BeFit cover)
Optional Outpatient Cover: Option A up to INR 10,000 or Option B up to INR 20,000
Premium
Sample annual premium
—
₹7,682
Sample premium is for
—
1 Adult, age band 26-30, Sum Insured 10,00,000, Zone 1 (highest-priced zone), base covers excluding PA and CI, office rate, excluding GST
Insurer
Health incurred claim ratio (insurer)
82.24%
85.54%
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)
—
IRDAI UIN
ICIHLIP27057V062627
MAGHLIP27040V012627

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

OneHealth 10.0

  • Con: Co-payment: 20% if entry age is 61 years or more
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