Niva Bupa Health Insurance Heart Beat Gold vs Aditya Birla Health Insurance VIP

All room categories are covered

No restriction on ICU room rent

No restriction on ICU room rent

Covered up to Sum Insured

Yes

No

Optional

Yes

100% of base sum insured restored once every policy year for future claims

Not available

10000+ Healthcare Providers

11000+ Healthcare Providers

Your sum insured increases by 10% every year, maximum up to 100%

Your sum insured increases by 50% every year, maximum up to 100%

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Yes

Yes

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

90 days.

30 days

2 years

2 years

3 years

3 years

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Health check-up is available once every policy year, from day 1 of the policy

Not available

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

OPD expenses are not available

OPD expenses are covered

Available as an option

Not available

Available coverage options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹30L, ₹1Cr

Available coverage options: ₹50 Lacs, ₹75 Lacs, ₹1 Cr, ₹2 Cr, ₹3 Cr, ₹4 Cr, ₹5 Cr, ₹6 Cr

90.10%

93.70%

Available with capping based on base sum insured.

Available