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Elevate vs Sarvah Uttam

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ICICI Lombard

Elevate

Premium depends on your profile

Specifications side by side

Spec
Elevate
Sarvah Uttam
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
5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 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 (children); 18 years (adults) (no maximum stated)
Room rent
Up to a Single Private AC room
Single Private AC Room; optional modification to Any room or Twin Sharing AC room
Co-payment
None (no zone based co-payment; optional voluntary co-payment)
None mandatory (no zonal co-pay); optional voluntary co-payment 10%/20%/30%
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)
Optional cover: multiple Restoration in a Policy Year for all illnesses or injury, related or unrelated
No-claim bonus
Loyalty Bonus: 20% of the expiring or renewed Sum Insured (whichever is lower) each policy year, regardless of claims
Optional Gullak: guaranteed increase of 100% of Base Sum Insured each policy year, up to 1500%, irrespective of claims
Maternity
Optional cover: up to 10% of Sum Insured, max Rs 1 lakh, family floater only, 24-month waiting period
Optional cover with 36 months waiting period
OPD
Not covered in base (optional BeFit cover)
Not covered (unlimited tele-consultation with network General Physician)
Insurer
Health incurred claim ratio (insurer)
82.24%
74.81%
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)
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IRDAI UIN
ICIHLIP27057V062627
MCIHLIP27040V032627

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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

Sarvah Uttam

  • Pro: 90 days of pre-hospitalisation cover, longer than 79% of the 49 health insurance plans on Comparezi that state it
  • Pro: No co-payment unless you choose one for a lower premium
  • Pro: No room-rent cap
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