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Health Insurance · head to head

Galaxy Promise - Signature Plan vs Rise

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Niva Bupa

Rise

Premium depends on your profile

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
Galaxy Promise - Signature Plan
Rise
Cover
Plan type
Individual and family floater
Individual and family floater
Sum insured options
5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 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
Entry age
16 days (individual / dependent children); 18 years (floater adults) to 65 years
—
Room rent
SI Rs 5-20 lakh: up to Deluxe room; SI Rs 25 lakh and above: any room
Up to twin sharing room without co-payment; flat 20% co-payment if above twin sharing room
Co-payment
No Co-payment
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
90 days
60 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
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
Cumulative Bonus 100% of SI after first claim-free year, 25% of SI for every subsequent claim-free year, maximum 500%
Loyalty Bonus: 10% of expiring Base Sum Insured every policy year, up to 100% of Base Sum Insured
Maternity
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)
Not covered
OPD
Not covered
Not covered (unlimited digital consultations only)
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)
—
61.22%
Claims figures for
—
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
Network hospitals (insurer)
—
19,000+
IRDAI UIN
GHIHLIP25035V012425
NBHHLIP25041V012425

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

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

Rise

No stated figure stands out against similar models on Comparezi, either way.

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