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Health Insurance · head to head
Platinum Lite Health Plan vs Narayana Aditi
Narayana Health
Narayana Aditi
Premium depends on your profile
Quick verdict
- Platinum Lite Health 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
Narayana Aditi
Cover
Plan type
Individual and family floater
Individual and family floater
Sum insured options
10 lakh, 25 lakh, 50 lakh, 1 crore
5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 1 crore
Highest sum insured
100 lakh
100 lakh
Entry age
—
From 18 years (principal); 3 months (dependent children) (no maximum stated)
Room rent
No limits; any room of choice; no ICU day/charge limits
Plan 1/Plan 2: General Ward; Plus/Prime: Private Room at actuals at Preferred and Verified Provider Network
Co-payment
Zero co-pay as a standard feature
Zero co-payment on base benefits except non-intimation 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
60 days
Post-hospitalisation
180 days
90 days
Day-care treatment
Yes
Yes
AYUSH treatment
Yes
Yes
Restore benefit
—
Optional 'Revive': reinstatement of Base Sum Insured for subsequent claim in the same Policy Year upon complete or partial utilisation
No-claim bonus
—
Optional 'Accumulate Plus': additional SI of 25% or 50% per policy year, up to 100% of Base SI
Maternity
Optional add-on: 'Covers delivery expenses and newborn care after the applicable waiting period'
Not covered
OPD
Optional add-on: 'Doctor visits, tests and chemist bills outside the hospital'
Not covered (discretionary discounts on OPD services)
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
NHIHLIP27048V062627
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
Narayana Aditi
- Pro: No co-payment on claims
- Pro: No room-rent cap