Oneassure

Partner with us

Insurance Plans Comparison

Aditya Birla Activ Health Platinum Essential vs Niva Bupa HeartBeat Enhanced

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

Read more
Aditya Birla

Activ Health Platinum Essential

Activ Health Platinum Essential

What Makes It Special:

Activ Health Platinum Essential combines hospitalization protection with wellness and chronic-care features, including Day 1 coverage for specified chronic conditions under the applicable product terms.

Best For:

  • Customers wanting health assessment support

  • Buyers looking for wellness benefits

  • People with listed lifestyle conditions

  • Customers looking for an affordable, comprehensive plan

VS
Niva Bupa

HeartBeat Enhanced

HeartBeat Enhanced

What Makes It Special:

HeartBeat focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.

Best For:

  • Not available

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

Aditya Birla Activ Health Platinum Essential

  • Customers wanting health assessment support

  • Buyers looking for wellness benefits

  • People with listed lifestyle conditions

  • Customers looking for an affordable comprehensive plan

Niva Bupa HeartBeat Enhanced

Not available

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Activ Health Platinum Essential
Activ Health Platinum Essential

Health Insurance Plan

Brochure

VS
HeartBeat Enhanced
HeartBeat Enhanced

Health Insurance Plan

Brochure

Room Rent

Activ Health Platinum Essential

Any room.

VS

HeartBeat Enhanced

Covered up to Sum Insured

Covered up to Sum Insured

ICU Charges

Activ Health Platinum Essential

Covered

VS

HeartBeat Enhanced

Information Unavailable

Advanced Treatments

Activ Health Platinum Essential

Information Unavailable

VS

HeartBeat Enhanced

Not mentioned — verify from policy wordings.

Co-payment

Activ Health Platinum Essential

20% mandatory unless applicable waiver is selected.

VS

HeartBeat Enhanced

Optional 10% or 20% co-payment available for customers below 65 years to obtain premium discounts.

Disease-wise sublimits

Activ Health Platinum Essential

Applicable.

VS

HeartBeat Enhanced

Information Unavailable

Waiting Period

Activ Health Platinum Essential

Information Unavailable

VS

HeartBeat Enhanced

90 days

Gold Plan – 24 months; Silver Plan – 48 months

24 months

Cashless Healthcare Providers

Activ Health Platinum Essential

16,500 + current insurer network

VS

HeartBeat Enhanced

3,500+ network hospital

Restoration Benefit

Activ Health Platinum Essential

Available as add-on.

VS

HeartBeat Enhanced

Information Unavailable

Cumulative Bonus

Activ Health Platinum Essential

10% per year, up to 100%

VS

HeartBeat Enhanced

Information Unavailable

Daycare Treatment

Activ Health Platinum Essential

Covered.

VS

HeartBeat Enhanced

Covered

Consumable Cover

Activ Health Platinum Essential

Optional/subject to policy.

VS

HeartBeat Enhanced

Information Unavailable

AYUSH Treatment

Activ Health Platinum Essential

Covered.

VS

HeartBeat Enhanced

Not mentioned — verify from policy wordings

Initial Waiting Period

Activ Health Platinum Essential

30 days

VS

HeartBeat Enhanced

Information Unavailable

Specific Waiting Period

Activ Health Platinum Essential

24 months

VS

HeartBeat Enhanced

Information Unavailable

PED Waiting Period

Activ Health Platinum Essential

36 months

VS

HeartBeat Enhanced

Information Unavailable

Modern Treatment

Activ Health Platinum Essential

Covered.

VS

HeartBeat Enhanced

Information Unavailable

Annual Health Checkup

Activ Health Platinum Essential

Once every policy year

VS

HeartBeat Enhanced

Information Unavailable

Pre-Hospitalisation

Activ Health Platinum Essential

30 days

VS

HeartBeat Enhanced

Information Unavailable

Post-Hospitalisation

Activ Health Platinum Essential

60 days

VS

HeartBeat Enhanced

Information Unavailable

Outpatient Department Cover (OPD Expense)

Activ Health Platinum Essential

Not standard base limit

VS

HeartBeat Enhanced

Information Unavailable

Deductible Option

Activ Health Platinum Essential

Subject to applicable optional benefit

VS

HeartBeat Enhanced

Information Unavailable

Coverage Options

Activ Health Platinum Essential

Individual / Family Floater

VS

HeartBeat Enhanced

Information Unavailable

Claim Settlement Ratio

Activ Health Platinum Essential

97%

VS

HeartBeat Enhanced

Information Unavailable

Maternity Cover

Activ Health Platinum Essential

Available as an add-on

VS

HeartBeat Enhanced

Information Unavailable

Insurance Plans Comparison

Still Confused? Get Expert Advice

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

Why Choose Our Expert Consultation?

End-to-End Support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

Smart, Tech-Enabled Experience

  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

Compare With Other Health Insurance Plans

Activ Health Platinum Essential vs Optima Secure

Activ Health Platinum Essential vs Optima Secure Plus

Activ Health Platinum Essential vs Cancer Cover Activ Cancer Secure Plan

Activ Health Platinum Essential vs Women Care

Activ Health Platinum Essential vs Activate Booster Plan A

HeartBeat Enhanced vs Optima Secure

HeartBeat Enhanced vs Optima Secure Plus

HeartBeat Enhanced vs Cancer Cover Activ Cancer Secure Plan

HeartBeat Enhanced vs Women Care

HeartBeat Enhanced vs Activate Booster Plan A

Oneassure

Health Insurance

Compare Health Insurance Plans

Activ Health Platinum Essential Vs Heartbeat Enhanced

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.