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ICICI Lombard Elevate vs Niva Bupa Aspire (Titanium+) with Disease Management Rider
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ICICI Lombard Elevate vs Niva Bupa Aspire (Titanium+) with Disease Management Rider
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Compare ICICI Lombard Elevate and Niva Bupa Aspire (Titanium+) with Disease Management Rider
Claims Track Record:
ICICI Lombard Elevate
ICICI Lombard General Insurance boasts an impressive claim settlement ratio of 80.97% and a claims incurred ratio of 78.85%. They resolved 99.78% of claims within just 30 days and received fewer complaints than many other insurers.
Service Experience:
ICICI Lombard Elevate
Customer support at ICICI Lombard is accessible via a toll-free helpline and its Twitter account. While the toll-free response time is average, it’s important to note that Twitter responses can be slower.
Product Benefits:
ICICI Lombard Elevate
The ICICI Lombard Elevate Plan provides comprehensive coverage that encompasses hospitalisation costs, as well as pre and post-hospitalization expenses. Pre-hospitalization expenses are covered for up to 90 days before admission, while post-hospitalization expenses are covered for up to 180 days after discharge, both within the sum insured. Additionally, the policy covers all daycare treatments, domiciliary treatments (except for 15 illnesses), expenses of donors for organ donation procedures, and modern treatments all up to the sum insured. Please note that non-medical expenses are covered up to the sum assured as an add-on. Moreover, the plan offers the flexibility to choose any room without imposing room rent limits, though it is available as an add-on. There are no limits on ICU rent or deductibles. Also, this plan offers an optional co-payment of 10% to 50%. The policy covers common medical treatments and surgeries, such as cataract and joint replacement surgeries, up to the sum insured. However, it’s important to note that pre-existing conditions and specific conditions have a 12-month waiting period (as an add-on). As an add-on, this plan allows a 90-day waiting period for conditions like BP, Diabetes, and Heart Disease (unless these diseases are classified as pre-existing conditions).