Galaxy Health
Galaxy Marvel - Neo Plan
Sample premium
₹6,973 a year*
Health Insurance · head to head
Galaxy Marvel - Neo Plan vs Elevate
ICICI Lombard
Elevate
Premium depends on your profile
Quick verdict
- Elevate is better for high sum insured available.
Computed from stored specifications, the published health insurance scoring rules and recorded prices. Not an opinion.
Specifications side by side
Spec
Galaxy Marvel - Neo Plan
Elevate
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, 1 crore, 2 crore
5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 1 crore, 3 crore
Highest sum insured
200 lakh
300 lakh
Entry age
From 16 days (individual / dependent children); 18 years (floater adults) (no maximum stated)
91 days (floater only); 6 years for individual to 125 years
Room rent
Any Room
Up to a Single Private AC room
Co-payment
No Co-payment
None (no zone based co-payment; optional voluntary 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
90 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
Reset Benefit: up to 100% of the Sum Insured, unlimited times in a policy year (does not trigger for the first claim)
No-claim bonus
Bonus of 100% of SI if no claim in previous policy year or 25% of SI if a claim; applicable once during the policy year, not cumulative
Loyalty Bonus: 20% of the expiring or renewed Sum Insured (whichever is lower) each policy year, regardless of claims
Maternity
Optional cover: Delivery Expense up to Rs 2 Lakhs (normal or caesarean)
Optional cover: up to 10% of Sum Insured, max Rs 1 lakh, family floater only, 24-month waiting period
OPD
Optional Outpatient Benefit (Silver/Gold/Platinum/Diamond, up to Rs 16,000)
Not covered in base (optional BeFit cover)
Premium
Sample annual premium
₹6,973
—
Sample premium is for
1 adult (1A), age band 26-30, Sum Insured Rs 10,00,000, Neo Plan, Zone A, gross premium excluding tax
—
Insurer
Health incurred claim ratio (insurer)
—
82.24%
Claims figures for
—
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
Network hospitals (insurer)
—
14,000+ (as of 30 Sep 2026)
IRDAI UIN
GHIHLIP26042V012526
ICIHLIP27057V062627
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 Marvel - Neo 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
Elevate
- Pro: 90 days of pre-hospitalisation cover, longer than 79% of the 49 health insurance plans on Comparezi that state it