Insurance Plans Comparison
Care Enhance Super Top-up vs Niva Bupa HeartBeat Gold
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreEnhance Super Top-up
Additional health insurance protection beyond your deductible for major hospitalisation expenses.
What Makes It Special:
Care Enhance is a super top-up health insurance plan from Care Health Insurance that adds financial protection after eligible medical expenses cross the selected annual deductible. Enhance 1 offers cover up to ₹30 lakh, while Enhance 2 provides specified combinations up to ₹55 lakh. The plan covers eligible inpatient hospitalisation, daycare...
Best For:
Customers wanting flexible coverage levels: Applicants comparing the different sum-insured and deductible combinations available under Enhance 1 and Enhance 2.
People comfortable with a deductible: Customers who have sufficient base insurance or savings to handle expenses up to the selected threshold.
Customers planning for major hospital bills: Individuals concerned about costly inpatient treatment, ICU care and eligible daycare procedures.
Families seeking higher overall protection: Households that want to supplement an existing policy with a larger potential pool of hospitalisation cover.
People with existing health insurance: Customers who want an additional layer of financial protection once eligible annual medical expenses cross a chosen deductible.
VS
HeartBeat Gold
Niva Bupa Heartbeat Gold Plan
What Makes It Special:
Niva Bupa Heart Beat Gold is a comprehensive health insurance plan designed for families. It provides coverage options from ₹5 lakh to ₹1 crore, offering benefits like maternity cover, newborn protection, annual health check-ups, cashless treatment at 10,000+ hospitals, AYUSH and modern treatments, and no limits on ICU charges. You...
Best For:
Health-conscious individuals who value yearly check-ups
Customers who prefer comfort of a private room during hospitalization
Those planning for maternity and child care in future
Families looking for complete medical protection
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
Compare the actual policy version, not just the headline sum insured. Review hospitalisation benefits, pre- and post-hospitalisation periods, exclusions and any benefits you expect to use before choosing the plan.
Check room eligibility and co-payment. Compare the room categories under Enhance 1 and Enhance 2 and assess the financial impact of the 20% co-payment where the entry-age condition applies.
Review waiting periods before buying. The initial waiting period, specified-illness waiting period and pre-existing disease waiting period can affect when coverage becomes available.
Understand how annual expenses are counted. A super top-up generally considers eligible medical expenses accumulated during the policy year, subject to its deductible provisions. Check how multiple claims and expenses are assessed.
Match the deductible to your existing cover. Check whether your base policy's sum insured is sufficient to meet the deductible. If it is lower, you may need to fund the gap yourself.
You like yearly sum insured bonuses
You want maternity and newborn benefits after 2 years
You prefer a private AC room without extra charges
You want flexible coverage up to ₹1 crore
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Enhance Super Top-up Health Insurance Plan VS VS |
HeartBeat Gold Health Insurance Plan |
| Room Rent | |
|---|---|
Enhance Super Top-up Single private AC room eligibility, with room-category conditions varying by Enhance option. Check the schedule for the selected option before admission to avoid room-related deductions. | |
VS VS | |
HeartBeat Gold
|
| ICU Charges |
|---|
Enhance Super Top-up ICU expenses are covered up to the sum insured, with no separate ICU sub-limit listed on the insurer's product page. |
VS VS |
HeartBeat Gold No restriction on ICU room rent |
| Advanced Treatments |
|---|
Enhance Super Top-up Information Unavailable |
VS VS |
HeartBeat Gold Covered up to Sum Insured |
| Co-payment |
|---|
Enhance Super Top-up A 20% co-payment applies if the policy is purchased at age 61 or above. The insured member bears 20% of the admissible claim amount, with the balance payable subject to the policy terms. |
VS VS |
HeartBeat Gold Optional |
| Disease-wise sublimits |
|---|
Enhance Super Top-up The plan is presented as having no disease-wise sub-limits for covered hospitalisation benefits. Claims remain subject to the deductible, sum insured, exclusions, admissibility rules and other policy conditions. |
VS VS |
HeartBeat Gold Yes |
| Cashless Healthcare Providers |
|---|
Enhance Super Top-up Cashless treatment is available at the insurer's network hospitals, subject to pre-authorisation and policy terms. The insurer currently advertises a network of over 22,100 cashless healthcare providers; availability can change. |
VS VS |
HeartBeat Gold 10000+ Healthcare Providers |
| Restoration Benefit |
|---|
Enhance Super Top-up Unlimited automatic recharge is listed on the insurer's current product page. The sum insured can be recharged by an amount equal to the selected sum insured, multiple times in a policy year, subject to policy conditions. |
VS VS |
HeartBeat Gold 100% of base sum insured restored once every policy year for future claims |
| Cumulative Bonus |
|---|
Enhance Super Top-up The sum insured increases by 50% of the base sum insured for each policy year, up to a maximum increase of 100%. Accrued bonus is not reduced on renewal because of a claim, subject to policy terms. |
VS VS |
HeartBeat Gold Your sum insured increases by 10% every year, maximum up to 100% |
| Daycare Treatment |
|---|
Enhance Super Top-up Covers eligible daycare procedures that do not require a 24-hour hospital stay, subject to the policy terms and applicable procedure conditions. |
VS VS |
HeartBeat Gold Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| AYUSH Treatment |
|---|
Enhance Super Top-up Inpatient AYUSH treatment is covered up to the sum insured when hospitalisation takes place in an AYUSH-certified clinic, subject to policy terms. |
VS VS |
HeartBeat Gold Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Consumable Cover |
|---|
Enhance Super Top-up Routine non-medical consumables are not listed as a separate standard benefit. Check the policy's admissible-expense rules before assuming consumables such as gloves, masks or other non-medical items will be reimbursed. |
VS VS |
HeartBeat Gold Yes |
| Initial Waiting Period |
|---|
Enhance Super Top-up 30 days for illnesses from the policy start date, except injuries, subject to the policy terms. |
VS VS |
HeartBeat Gold 90 days. |
| Specific Waiting Period |
|---|
Enhance Super Top-up 24 months for specified illnesses and procedures, subject to the applicable list and policy conditions. |
VS VS |
HeartBeat Gold 2 years |
| PED Waiting Period |
|---|
Enhance Super Top-up 36 months of continuous coverage for pre-existing diseases, subject to policy terms and underwriting. |
VS VS |
HeartBeat Gold 3 years |
| Modern Treatment |
|---|
Enhance Super Top-up Covers eligible advanced technology treatments, subject to the policy's specified treatment list, medical necessity and applicable terms. Covered expenses are payable up to the sum insured. |
VS VS |
HeartBeat Gold Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Enhance Super Top-up Annual health check-ups are available for covered adult members regardless of previous claim history, subject to the policy terms. |
VS VS |
HeartBeat Gold Health check-up is available once every policy year, from day 1 of the policy |
| Pre-Hospitalisation |
|---|
Enhance Super Top-up Eligible medical expenses incurred up to 60 days before hospitalisation are covered, subject to policy conditions and the relationship of the expenses to the hospitalisation. |
VS VS |
HeartBeat Gold You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Enhance Super Top-up Eligible medical expenses for up to 180 days after discharge are covered under the insurer's current product listing, subject to policy conditions. |
VS VS |
HeartBeat Gold You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
Enhance Super Top-up Routine OPD treatment is not a core hospitalisation benefit. The plan lists unlimited general-physician e-consultations and discounts on selected healthcare services. |
VS VS |
HeartBeat Gold OPD expenses are not available |
| Deductible Option |
|---|
Enhance Super Top-up A deductible applies before the super top-up pays eligible expenses. Options vary by plan variant; the deductible must be considered alongside the base health insurance and the amount the customer can pay personally. |
VS VS |
HeartBeat Gold Available as an option |
| Coverage Options |
|---|
Enhance Super Top-up Available on an individual and family floater basis. The plan offers Enhance 1 and Enhance 2 options with different sum insured and deductible combinations. The maximum sum insured is ₹55 lakh. |
VS VS |
HeartBeat Gold Available coverage options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹30L, ₹1Cr |
| Claim Settlement Ratio |
|---|
Enhance Super Top-up Care Health Insurance's insurer-level claim settlement ratio should be displayed using the verified financial year and published methodology adopted by OneAssure. It is not a separate benefit or guarantee of an individual claim. |
VS VS |
HeartBeat Gold 92.02% |
| Maternity Cover |
|---|
Enhance Super Top-up Maternity expenses, including childbirth-related expenses, are generally excluded. The plan's healthcare-service discount programme may offer discounts on maternity services, but this is not the same as insurance coverage for maternity expenses. |
VS VS |
HeartBeat Gold Available with capping based on base sum insured. |
Insurance Plans Comparison
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Insurance Plans Comparison
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One policy covers the entire family
High sum insured with cashless care
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Maternity Health Plan
Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs
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