Premium depends on your profile
Health Insurance · head to head
Platinum Lite Health Plan vs Rise
Niva Bupa
Rise
Premium depends on your profile
Specifications side by side
Spec
Platinum Lite Health Plan
Rise
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, 75 lakh, 1 crore
Highest sum insured
100 lakh
100 lakh
Room rent
No limits; any room of choice; no ICU day/charge limits
Up to twin sharing room without co-payment; flat 20% co-payment if above twin sharing room
Co-payment
Zero co-pay as a standard feature
Flat 20% if treatment taken outside the Rise-Tiered Network; 20% if room above twin sharing
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
180 days
Day-care treatment
Yes
Yes
AYUSH treatment
Yes
Yes
Restore benefit
—
Re-fill: once in a policy year, an amount equal to the base sum insured, added on complete or partial utilisation; any illness (same or different)
No-claim bonus
—
Loyalty Bonus: 10% of expiring Base Sum Insured every policy year, up to 100% of Base Sum Insured
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 (unlimited digital consultations only)
Insurer
Health incurred claim ratio (insurer)
57.82%
61.22%
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)
13,200
19,000+
IRDAI UIN
ACKHLIP25035V022425
NBHHLIP25041V012425
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Pros and cons
Platinum Lite Health Plan
- Pro: No co-payment on claims
- Pro: No room-rent cap
Rise
No stated figure stands out against similar models on Comparezi, either way.