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The head-to-head.

Two policies, every clause that decides your claim. No commissions, no sponsored winners.

vs
Platinum Health InsuranceAcko · ★ 4.6
vs
ReAssure 2.0 (Platinum+)Niva Bupa · ★ 4.1
Financial Limits
No limit
Room Rent Limit
No limit
No limit
ICU Limit
No limit
No
Co-Pay
No
No
Disease Sub-limit
No
Waiting Periods
0
Initial Waiting (Days)
30
0
Specific Disease Waiting (Years)
2
0
Pre-existing Disease Waiting (Years)
3
Pre/Post-Hospitalisation
60 days (Covered up to: sum insured)
Pre-Hospitalisation
60 days
120 days (Covered up to: sum insured)
Post-Hospitalisation
180 days
Yes
Daycare Procedures
Yes (Covered up to: sum insured)
Yes (Covered up to: sum insured)
Domiciliary
No (Covered up to: sum insured)
Yes (Covered up to: sum insured)
Organ Donor Cover
No
Yes
Modern Treatments
Yes
Coverage Features
Available
Refill on Exhaustion
Available
Unrelated illness
Refill Illness Applicability
Related and unrelated illness
Partial exhaustion of Sum Insured
Refill Trigger
Partial exhaustion of Sum Insured
Unlimited times in a policy year
Refill Limit
Unlimited times in a policy year
Subsequent claims
Refill Applicable Claim
First paid claim
Yes
Consumables
Yes
Bonus
10%
Bonus Rate
500%
100%
Bonus Max Limit
500%
No reduction
Reduction in Bonus on Claim
No
Claims Experience
99.66%
% Settled < 30 Days
99.95%
0.16%
% Complaints on Claims
0.43%
58.43%
Incurred Claim Ratio
61.64%
92.44%
Claim Settlement Ratio (No.)
90.64%
81.11%
Claim Settlement Ratio (Value)
74.32%
4.24%
Claim Rejection Ratio
7.30%
11,500+
Cashless Hospitals
10,000+
Pricing & Extras
Expensive
Affordability
NA
Individual
Plan Type
Individual / Family Floater

Verdict: Platinum Health Insurance takes it.

Winner: Platinum Health Insurance
Platinum Health Insurance · ★ 4.6/5ReAssure 2.0 (Platinum+) · ★ 4.1/5

Across 16 compared features, Platinum Health Insurance leads on 11 and ReAssure 2.0 (Platinum+) on 5. Platinum Health Insurance is the stronger overall pick, notably on Initial Waiting (Days), Specific Disease Waiting (Years) and Pre-existing Disease Waiting (Years). ReAssure 2.0 (Platinum+) still wins on Post-Hospitalisation, Daycare Procedures and Bonus Rate, so weigh those if they matter to you.

Winner is decided by how many of the 16 compared features each plan leads on, with our coverage-and-claims score breaking a tie. Always confirm the fine print before you buy.

Read Platinum Health Insurance review →Read ReAssure 2.0 (Platinum+) review →