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Health Insurance · head to head

Platinum Lite Health Plan vs Galaxy Promise - Signature Plan

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Quick verdict

  • Galaxy Promise - Signature Plan 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
Platinum Lite Health Plan
Galaxy Promise - Signature Plan
Cover
Plan type
Individual and family floater
Individual and family floater
Sum insured options
10 lakh, 25 lakh, 50 lakh, 1 crore
5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 1 crore
Highest sum insured
100 lakh
100 lakh
Entry age
—
16 days (individual / dependent children); 18 years (floater adults) to 65 years
Room rent
No limits; any room of choice; no ICU day/charge limits
SI Rs 5-20 lakh: up to Deluxe room; SI Rs 25 lakh and above: any room
Co-payment
Zero co-pay as a standard feature
No Co-payment
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
60 days
90 days
Post-hospitalisation
180 days
180 days
Day-care treatment
Yes
Yes
AYUSH treatment
Yes
Yes
Restore benefit
—
Automatic Restoration, unlimited, applicable for same disease / different diseases
No-claim bonus
—
Cumulative Bonus 100% of SI after first claim-free year, 25% of SI for every subsequent claim-free year, maximum 500%
Maternity
Optional add-on: 'Covers delivery expenses and newborn care after the applicable waiting period'
Covered: delivery up to 10% of SI or Rs 2 lakh (whichever is less) once self and spouse covered 2 years (or insured woman 3 years)
OPD
Optional add-on: 'Doctor visits, tests and chemist bills outside the hospital'
Not covered
Premium
Sample annual premium
—
₹11,573
Sample premium is for
—
1 adult (1A), age band 26-30, Sum Insured Rs 10,00,000, Signature Plan, Zone A; tax treatment not stated on the chart
Insurer
Health incurred claim ratio (insurer)
57.82%
—
Claims figures for
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
—
Network hospitals (insurer)
13,200
—
IRDAI UIN
ACKHLIP25035V022425
GHIHLIP25035V012425

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

Platinum Lite Health Plan

  • Pro: No co-payment on claims
  • Pro: No room-rent cap

Galaxy Promise - Signature Plan

  • 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
  • Pro: No room-rent cap
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