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Insurance Plans Comparison

ICICI Lombard Elevate (Direct) vs Niva Bupa Health Premia Platinum

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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ICICI Lombard

Elevate (Direct)

Get comprehensive health insurance with customisable benefits, flexible sum insured options and a 5% online purchase discount with Elevate Direct.

What Makes It Special:

ICICI Lombard Elevate Direct is the online-purchase variant of the Elevate health insurance plan. It offers the same underlying coverage and customisation options as standard Elevate, including hospitalisation benefits, pre- and post-hospitalisation expenses, restoration features and a range of optional benefits. Customers can customise their protection through available add-ons for...

Best For:

  • Value-conscious customers: People who want the same core Elevate plan benefits while saving through the online purchase discount.

  • Additional benefit seekers: Buyers interested in optional benefits such as worldwide cover, maternity, chronic care or Claim Protector.

  • Higher coverage requirements: Customers considering a range of sum insured options, including high-cover options subject to eligibility.

  • Customisable health protection: Buyers who want to select coverage and add-ons based on their needs.

  • Online insurance buyers: Customers who prefer purchasing and managing their policy digitally and want the 5% online discount.

VS
Niva Bupa

Health Premia Platinum

Health Premia Platinum offers ₹1-3 Crore cover with any room, OPD cover, ₹2 Lakh maternity, multi-trip travel cover and specified illness treatment abroad.

What Makes It Special:

Health Premia Platinum is Niva Bupa’s top Health Premia plan, combining ₹1-3 Crore cover with no room category limit, OPD, ₹10,000 annual health check-up, worldwide second opinion, child vaccination, specified illness treatment abroad and annual multi-trip international cover up to ₹1 Crore.

Best For:

  • Buyers who want treatment abroad for major specified illnesses like cancer and heart attack

  • People who want OPD, health check-up and child vaccination covered

  • Couples planning a family who want ₹2 Lakh maternity cover worldwide (excl. USA/Canada)

  • Frequent international travellers who want annual multi-trip medical cover

  • Families wanting very high cover of ₹1-3 Crore

Insurance Plans Comparison

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Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Quick Decision Guide

ICICI Lombard Elevate (Direct)

  • Purchase online to save: Elevate Direct offers a 5% online purchase discount, while the underlying coverage remains the same as standard Elevate.

  • Compare add-ons: Consider whether options such as Claim Protector, Worldwide Cover, Maternity Benefit or Infinite Care meet your needs and budget.

  • Check zone-based conditions: Review any applicable zone-based co-payment and room eligibility conditions before purchasing.

  • Review waiting periods: Check the 30-day initial waiting period, 24-month specified-disease waiting period and 36-month pre-existing disease waiting period.

  • Choose the right sum insured: Compare the available cover options against your family size, existing insurance and expected healthcare expenses.

Niva Bupa Health Premia Platinum

  • Reasons to Consider: Loyalty Additions grow cover by 10% of Base Sum Insured every year up to 100%, even if you claim.

  • Reasons to Consider: A 100% Re-fill of Base Sum Insured is available once a year for any illness.

  • Reasons to Consider: Pre- and post-hospitalisation are covered for 90 and 180 days.

  • Reasons to Consider: PED waiting period is 24 months and specific disease waiting period is 12 months.

  • Reasons to Consider: Any room category, OPD cover and annual multi-trip international cover are built in.

  • Things to Consider: Maternity cover is only for Family Floater / Family First policies after 24 months of continuous cover.

  • Things to Consider: Zone 2 pricing means a 20% co-payment for treatment in Mumbai, Delhi NCR, Kolkata and Gujarat.

  • Things to Consider: Non-payable items such as gloves need the paid Safeguard add-on.

  • Things to Consider: Robotic surgery, some mental disorders and HIV/AIDS have sub-limits; mental illness has a 36-month wait.

  • Things to Consider: Premium is higher because of ₹1-3 Crore cover and the built-in extras.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Elevate (Direct)
Elevate (Direct)

Health Insurance Plan

Brochure

Policy Wording

VS
Health Premia Platinum
Health Premia Platinum

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Elevate (Direct)

Room eligibility depends on selected plan; Room Modifier add-on for eligible SI amounts.

VS

Health Premia Platinum

Covered up to Sum Insured, no room category restriction (Any Room, incl. suite)

ICU Charges

Elevate (Direct)

Covered as per applicable policy terms and eligible room category.

VS

Health Premia Platinum

Covered up to Sum Insured as part of In-patient Care; no separate ICU cap stated

Co-payment

Elevate (Direct)

Voluntary co-payment available as optional cover.

VS

Health Premia Platinum

No mandatory co-payment with Zone 1 pricing. With Zone 2 pricing, 20% co-pay applies to treatment in Mumbai (incl. Navi Mumbai & Thane), Delhi NCR, Kolkata and Gujarat. OPD claims under International Coverage have 20% co-pay

Disease-wise sublimits

Elevate (Direct)

Not Available.

VS

Health Premia Platinum

No sublimits on common conditions like cataract or joint replacement. Sublimits apply to: robotic surgeries (₹1 Lakh, with exceptions), specified mental disorders (₹1,00,000), HIV/AIDS (₹50,000 per year), LASER surgery (up to ₹1,00,000), non-network road ambulance (₹2,000 per event)

Cashless Healthcare Providers

Elevate (Direct)

Network hospitals plus Cashless Everywhere option for any hospital in India.

VS

Health Premia Platinum

Cashless treatment at Niva Bupa network hospitals across India; 10,000+ network hospitals (approximate, per Platinum brochure and Annual Report FY 2024-25; subject to change). Pre-authorisation target of 30 minutes

Restoration Benefit

Elevate (Direct)

Reset Benefit restores SI for future claims; unlimited resets per year.

VS

Health Premia Platinum

Re-fill Benefit: up to 100% of Base Sum Insured once per policy year, for the same or a different illness, after the Sum Insured is partly or fully used. Not available under the Family First variant

Daycare Treatment

Elevate (Direct)

Eligible day-care procedures covered under base plan.

VS

Health Premia Platinum

All listed day care procedures (Annexure III) covered up to Sum Insured

Cumulative Bonus

Elevate (Direct)

Loyalty Bonus: guaranteed 20% annual SI increase, up to 100% maximum.

VS

Health Premia Platinum

Loyalty Additions of 10% of expiring Base Sum Insured every policy year, up to 100%, even if you claim. Optional Enhanced Loyalty Addition: 20% per year, up to 200%

Consumable Cover

Elevate (Direct)

Covered under Claim Protector add-on for specified items (gloves, syringes, masks)

VS

Health Premia Platinum

Allowable consumables paid within hospital bills; IRDAI non-payable items are not covered in the base plan. Covered with the optional Safeguard (List I) or Safeguard+ (Lists I-IV) add-on (Add-on UIN NBHHLIA24109V022324)

AYUSH Treatment

Elevate (Direct)

In-patient AYUSH hospitalisation covered up to applicable SI

VS

Health Premia Platinum

In-patient Ayurveda, Unani, Siddha and Homeopathy treatment in an AYUSH hospital covered up to Sum Insured, with 90/180 days pre/post-hospitalisation

Initial Waiting Period

Elevate (Direct)

30 days from policy start for specified illnesses.

VS

Health Premia Platinum

30 days (not for accidents or renewals)

Specific Waiting Period

Elevate (Direct)

24 months for specified diseases.

VS

Health Premia Platinum

12 months for listed conditions (e.g. cataract, hernia, joint/spine disorders, piles). Accidents covered from day 1; cancer after the 30-day wait. Mental illness and LASER surgery: 36 months. HIV/AIDS: 48 months

PED Waiting Period

Elevate (Direct)

36 months for pre-existing diseases.

VS

Health Premia Platinum

24 months of continuous cover

Modern Treatment

Elevate (Direct)

Covers modern treatments as specified per policy with applicable per-treatment conditions.

VS

Health Premia Platinum

Covered up to Sum Insured (12 listed procedures, e.g. robotic surgery, oral chemotherapy, immunotherapy, stem cell therapy). Robotic surgeries capped at ₹1 Lakh, except robotic radical prostatectomy, cardiac, partial nephrectomy and cancer surgeries

Annual Health Checkup

Elevate (Direct)

Optional cover with cashless package worth up to 0.5% of SI (max ₹5,000).

VS

Health Premia Platinum

Annual from Day 1: tests up to ₹10,000 per insured (Family First Platinum: ₹5,000)

Pre-Hospitalisation

Elevate (Direct)

Up to 90 days before hospitalisation for eligible expenses.

VS

Health Premia Platinum

Up to 90 days before admission, covered up to Sum Insured

Post-Hospitalisation

Elevate (Direct)

Up to 180 days after hospitalisation for eligible expenses.

VS

Health Premia Platinum

Up to 180 days after discharge, covered up to Sum Insured

Outpatient Department Cover (OPD Expense)

Elevate (Direct)

Available via optional BeFit benefit for cashless OPD, pharmacy, physiotherapy, diagnostics.

VS

Health Premia Platinum

Covered up to ₹50,000 per policy per year (Family First: ₹35,000) for consultations, diagnostics and prescribed medicines; 80% of unused amount carried forward, total capped at 2.5x the annual limit. Unlimited e-consultations included in all plans

Deductible Option

Elevate (Direct)

Voluntary deductible available as optional cover.

VS

Health Premia Platinum

Not available (the policy wording has no deductible option for Health Premia)

Coverage Options

Elevate (Direct)

Flexible SI options including unlimited sum insured option.

VS

Health Premia Platinum

Individual / Family Floater: ₹1 Crore, ₹2 Crore or ₹3 Crore Base Sum Insured. Family First variant: Base Individual SI ₹10-15 Lakh per person with a shared floater layer on top. Policy types: Individual, Family Floater (up to 6 members, max 4 children) and Family First (up to 19 relationships). Entry age: adults 18-65, children 91 days-30 years. 1, 2 or 3-year terms; lifelong renewal

Claim Settlement Ratio

Elevate (Direct)

Not publicly specified on official product page.

VS

Health Premia Platinum

93.5% of claims settled (by number) for Health Premia in FY 2025-26. Source: Niva Bupa Public Disclosures FY2025-26 (Form NL-47), https://transactions.nivabupa.com/pages/doc/pub-dis/quarterly-reports/Website-Public-Disclosures-Mar-2026.pdf. Company-level: 94.4% (Niva Bupa Annual Report FY 2025-26)

Maternity Cover

Elevate (Direct)

Optional add-on for normal/C-section deliveries: up to 10% SI (max ₹1L) after 24 months WP.

VS

Health Premia Platinum

Covered only under Family Floater / Family First (not Individual), after 24 months continuous cover, up to 2 pregnancies/terminations: up to ₹2,00,000 worldwide excl. USA & Canada (Family First Platinum ₹1,00,000). USA/Canada extension available as optional add-on. New born covered up to SI till end of policy year; newborn vaccination in first year

Insurance Plans Comparison

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Insurance Plans Comparison

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Insurance Plans Comparison

Frequently Asked Questions (FAQs)

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