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Health Insurance · head to head

Elevate vs MediCare Select

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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
MediCare Select
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, 75 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 0 days (no maximum stated)
Room rent
Up to a Single Private AC room
Single Private Room
Co-payment
None (no zone based co-payment; optional voluntary co-payment)
None
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
90 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 Infinity Plus: unlimited restorations of base sum insured during a policy year
No-claim bonus
Loyalty Bonus: 20% of the expiring or renewed Sum Insured (whichever is lower) each policy year, regardless of claims
Cumulative Bonus 50% of base SI per claim-free year, max 100% (50% decrease after a claim) OR 1% discount in renewal premium
Maternity
Optional cover: up to 10% of Sum Insured, max Rs 1 lakh, family floater only, 24-month waiting period
Optional cover: 10% of SI max Rs 1,00,000 per policy year, 2-year waiting period
OPD
Not covered in base (optional BeFit cover)
Not covered
Insurer
Health incurred claim ratio (insurer)
82.24%
76.24%
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)
13,000+
IRDAI UIN
ICIHLIP27057V062627
TATHLIP27061V022627

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

MediCare Select

  • 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 on claims
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