Premium depends on your profile
Health Insurance · head to head
Platinum Lite Health Plan vs Aspire
Niva Bupa
Aspire
Premium depends on your profile
Specifications side by side
Spec
Platinum Lite Health Plan
Aspire
Cover
Plan type
Individual and family floater
Individual and family floater
Sum insured options
10 lakh, 25 lakh, 50 lakh, 1 crore
3 lakh, 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 1 crore
Highest sum insured
100 lakh
100 lakh
Room rent
No limits; any room of choice; no ICU day/charge limits
No limit (any room); optional room type modification
Co-payment
Zero co-pay as a standard feature
None mandatory; optional Tiered Network carries 20% co-payment outside the network
Waiting periods
Initial waiting period
30 days
30 days
Pre-existing disease waiting
36 months
—
Specific illness waiting
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
—
ReAssure Forever: triggers after the 1st claim; unlimited; each claim up to the Base sum insured
No-claim bonus
—
Booster+: unutilised Base sum insured carries forward, up to 1X-10X by variant and entry age
Maternity
Optional add-on: 'Covers delivery expenses and newborn care after the applicable waiting period'
Covered under M-iracle sum insured; waiting period 48 months (Gold+), 24 months (Diamond+), 9 months (Platinum+/Titanium+)
OPD
Optional add-on: 'Doctor visits, tests and chemist bills outside the hospital'
Not covered in base (unlimited e-consultation); optional WellConsult OPD wallet
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
NBHHLIP26049V022526
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
Aspire
- Pro: No co-payment unless you choose one for a lower premium
- Pro: No room-rent cap