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| Feature | Care - Insurance Senior Health Advantage | ICICI Lombard - Elevate (Value) |
|---|---|---|
| Room Rent Limit | Capped | NA |
| Disease Sub-limit | Yes | NA |
| Pre-existing Disease Waiting (Years) | 1 | 1 |
| Daycare Procedures | Yes (Covered up to: sum insured) | NA |
| Domiciliary | No | NA |
| Organ Donor Cover | No (Covered up to: sum insured) | NA |
| Modern Treatments | Yes | NA |
| Refill on Exhaustion | Available | Available |
| Refill Illness Applicability | Related and unrelated illness | Related and unrelated illness |
| Refill Trigger | NA | Partial exhaustion of Sum Insured |
| Refill Limit | Once in a policy year | Unlimited times in a policy year |
| Refill Applicable Claim | Subsequent claims | Subsequent claims |
| Consumables | No | NA |
| % Settled < 30 Days | Quick | 99.94% |
| % Complaints on Claims | 0.47% | 0.14% |
| Incurred Claim Ratio | 66.28% | 85.53% |
| Claim Settlement Ratio (No.) | 95.19% | 82.79% |
| Claim Settlement Ratio (Value) | 87.97% | 63.92% |
| Claim Rejection Ratio | 3.10% | 14.11% |
| Cashless Hospitals | 22,100+ | 10,700+ |
| Affordability | Expensive | NA |
| Plan Type | Individual | Individual |