Insurance Plans Comparison
ICICI Lombard Elevate vs Niva Bupa Health Premia Platinum
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreElevate
Comprehensive health insurance with high coverage, loyalty bonus and flexible optional benefits
What Makes It Special:
ICICI Lombard’s Elevate health insurance policy is designed to provide comprehensive protection and flexibility. It covers hospitalisation, day-care treatments, pre- and post-hospitalisation expenses (90 to 180 days), AYUSH treatments, ambulance services (road and air), and even worldwide cashless hospitalisation. The policy offers unlimited reset of sum insured, 100% annual increase...
Best For:
Comprehensive All-Round Protection
Global Health Insurance Coverage
Advanced Critical Illness Cover
Tech-Enabled Seamless Support
VS
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
Get Personalized Advice
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
You want global and all-round health coverage
You need CIBIL discount on good credit score
You need coverage on conditions like Asthma, BP, Cholesterol, Diabetes from Day 1
You need a good customer app which has a simplified claims experience
You need unlimited sum insured restoration benefits and high cumulative bonus
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 Health Insurance Plan VS VS |
Health Premia Platinum Health Insurance Plan |
| Room Rent |
|---|
Elevate Single private AC room is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category (Option to modify room category) |
VS VS |
Health Premia Platinum Covered up to Sum Insured, no room category restriction (Any Room, incl. suite) |
| ICU Charges |
|---|
Elevate No restriction on ICU room rent |
VS VS |
Health Premia Platinum Covered up to Sum Insured as part of In-patient Care; no separate ICU cap stated |
| Co-payment |
|---|
Elevate Available as an option |
VS 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 No |
VS 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) |
| Restoration Benefit |
|---|
Elevate Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses (per claim in a policy year for related/unrelated illnesses) |
VS 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 |
| Cashless Healthcare Providers |
|---|
Elevate 10300+ Healthcare Providers |
VS 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 |
| Daycare Treatment |
|---|
Elevate Covers medical expenses for treatments not requiring 24-hour hospitalization, up to annual sum insured |
VS VS |
Health Premia Platinum All listed day care procedures (Annexure III) covered up to Sum Insured |
| Cumulative Bonus |
|---|
Elevate Your sum insured increases by 20% every year maximum upto 100%. However, you can pay an additional premium to increase sum insured up to 100%, every year. (Option to boost coverage by 1x annually) |
VS 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% |
| AYUSH Treatment |
|---|
Elevate Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS 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 |
| Consumable Cover |
|---|
Elevate No. However, available as an add-on |
VS 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) |
| Initial Waiting Period |
|---|
Elevate 30 days |
VS VS |
Health Premia Platinum 30 days (not for accidents or renewals) |
| Specific Waiting Period |
|---|
Elevate 2 years |
VS 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 3 years |
VS VS |
Health Premia Platinum 24 months of continuous cover |
| Modern Treatment |
|---|
Elevate Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS 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 Health checkup is not included as part of base cover. However, available as an add-on |
VS VS |
Health Premia Platinum Annual from Day 1: tests up to ₹10,000 per insured (Family First Platinum: ₹5,000) |
| Pre-Hospitalisation |
|---|
Elevate You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved |
VS VS |
Health Premia Platinum Up to 90 days before admission, covered up to Sum Insured |
| Post-Hospitalisation |
|---|
Elevate You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it. |
VS VS |
Health Premia Platinum Up to 180 days after discharge, covered up to Sum Insured |
| Outpatient Department Cover (OPD Expense) |
|---|
Elevate OPD expense is not included as part of base cover. However, available as an add-on |
VS 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 Not available |
VS VS |
Health Premia Platinum Not available (the policy wording has no deductible option for Health Premia) |
| Coverage Options |
|---|
Elevate Available sum insured options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr, ₹3 Cr and unlimited sum insured |
VS 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 97.16% |
VS 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 No. However, available as an add-on. |
VS 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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