Insurance Plans Comparison
Digit Arogya Sanjeevani vs Care Heart
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreArogya Sanjeevani
Cover hospitalisation with a 5% co-pay on every admissible claim, cap room rent at 2% of the sum insured up to ₹5,000 a day, and add a 5% cumulative bonus each claim-free year up to 50%.
What Makes It Special:
Arogya Sanjeevani is a Niva Bupa standard health plan with a sum insured of ₹1 lakh to ₹5 lakh, AYUSH and modern treatment cover, and a 15-day free-look period. It excludes maternity and carries a 5% co-payment on each claim. It provides in-patient hospitalisation cover on an individual or family...
Best For:
Buyers who want AYUSH and modern treatment cover
Buyers who do not need maternity or OPD cover
Families who want a floater with parents and children under one policy
Buyers who want basic in-patient cover at an affordable premium
First-time health insurance buyers
VS
Heart
Specialised Cardiac Health Insurance with 2-Year Cardiac PED Waiting Period
What Makes It Special:
Care Heart Health Insurance is a specialized policy designed for people with existing heart conditions or cardiac risks. It provides comprehensive coverage for hospitalization, surgeries, and treatments related to heart ailments, including pre and post-hospitalization expenses. The plan also covers annual health check-ups, ambulance charges, and optional add-ons for enhanced...
Best For:
Focused Protection for Cardiac Patients
Covers Pre and Post Hospitalization
Annual Health Check-Up Included
Lifelong Policy Renewability Option
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
Call 1860-500-8888 to confirm room rent limits and the current network before buying.
Confirm the waiting periods and any cataract sublimit on your policy schedule before buying.
The sum insured is capped at ₹5 lakh, so check whether it covers your expected treatment costs.
A 5% co-payment applies to each claim, so factor that into your out-of-pocket costs.
Maternity is excluded, so choose another plan if you need it.
You have a past history of heart disease
You need coverage for cardiac-related hospitalization expenses
You want insurance despite pre-existing heart conditions
You seek affordable premiums for heart-focused care
You prefer lifelong renewability with cardiac protection
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Arogya Sanjeevani Health Insurance Plan VS VS |
Heart Health Insurance Plan |
| Room Rent |
|---|
Arogya Sanjeevani
|
VS VS |
Heart Up to ₹3 L sum insured – 1% of Sum Insured per day Above ₹3 L sum insured – Single Private Room |
| Advanced Treatments |
|---|
Arogya Sanjeevani
|
VS VS |
Heart Information Unavailable |
| ICU Charges |
|---|
Arogya Sanjeevani Covered as part of in-patient hospitalisation, up to the sum insured. Confirm any room or ICU limit on the policy schedule, or with 1860-500-8888. |
VS VS |
Heart Up to ₹3 L sum insured – 2% of Sum Insured per day Above ₹3 L sum insured – No Limit |
| Co-payment |
|---|
Arogya Sanjeevani 5% co-payment is applicable to all claims, meaning the policyholder must bear 5% of the admissible claim amount. |
VS VS |
Heart In-built co-payment: 20% if entry age ≤ 70 years, 30% if entry age > 70 years. |
| Disease-wise sublimits |
|---|
Arogya Sanjeevani A cataract sublimit may apply. The standard product in other insurers’ versions caps cataract at 25% of the sum insured or ₹40,000, whichever is lower. Confirm Niva Bupa’s sublimits on the policy schedule, or with 1860-500-8888. |
VS VS |
Heart Yes |
| Cashless Healthcare Providers |
|---|
Arogya Sanjeevani Access to over 16,400 cashless network hospitals across India. |
VS VS |
Heart 21700+ Healthcare Providers |
| Restoration Benefit |
|---|
Arogya Sanjeevani Kindly refer to the policy wording. |
VS VS |
Heart Provides 1 restoration of the base cover upon exhaustion, applicable for unrelated illnesses only |
| Daycare Treatment |
|---|
Arogya Sanjeevani Covers medical procedures requiring hospitalization for less than 24 hours, such as cataract surgery, chemotherapy, and dialysis, when conducted in a recognized hospital. |
VS VS |
Heart Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Cumulative Bonus |
|---|
Arogya Sanjeevani Kindly refer to the policy wording. |
VS VS |
Heart Your sum insured increases by 10% each policy year as a No-Claim Bonus, up to 50% of the sum insured. The bonus reduces by 10% for every claim paid |
| AYUSH Treatment |
|---|
Arogya Sanjeevani Covers Ayurveda, Yoga, Unani, Siddha, and Homeopathy (AYUSH) inpatient treatments up to the sum insured, provided the treatment is taken at an AYUSH-recognized hospital. |
VS VS |
Heart Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Consumable Cover |
|---|
Arogya Sanjeevani Kindly refer to the policy wording. Confirm with Niva Bupa on 1860-500-8888. |
VS VS |
Heart No. However available as an add-on. |
| Initial Waiting Period |
|---|
Arogya Sanjeevani 30 days from inception, except for accidents |
VS VS |
Heart 30 days |
| Specific Waiting Period |
|---|
Arogya Sanjeevani Kindly refer to the policy wording. |
VS VS |
Heart 2 years |
| PED Waiting Period |
|---|
Arogya Sanjeevani Up to 48 months under the IRDAI standard. Confirm on the policy schedule, or with 1860-500-8888. |
VS VS |
Heart 2 years |
| Modern Treatment |
|---|
Arogya Sanjeevani Covered up to 50% of the sum insured, including robotic surgery and oral chemotherapy (BankBazaar). Confirm the limit on the policy schedule. |
VS VS |
Heart Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Arogya Sanjeevani Kindly refer to the policy wording. Confirm with Niva Bupa on 1860-500-8888. |
VS VS |
Heart Health check-up is available from the first policy year |
| Pre-Hospitalisation |
|---|
Arogya Sanjeevani Up to 30 days before admission under the IRDAI standard product. Confirm on the policy schedule, or with 1860-500-8888. |
VS VS |
Heart You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Arogya Sanjeevani Up to 60 days after discharge under the IRDAI standard product. Confirm on the policy schedule, or with 1860-500-8888. |
VS VS |
Heart You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it. |
| Outpatient Department Cover (OPD Expense) |
|---|
Arogya Sanjeevani Not covered (not listed in the standard product’s benefits) |
VS VS |
Heart OPD expense is not included |
| Deductible Option |
|---|
Arogya Sanjeevani kindly refer to the policy wording. |
VS VS |
Heart Not available |
| Coverage Options |
|---|
Arogya Sanjeevani Individual or family floater, within the ₹1 lakh to ₹5 lakh sum insured range |
VS VS |
Heart Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L |
| Claim Settlement Ratio |
|---|
Arogya Sanjeevani Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27). |
VS VS |
Heart 96% |
| Maternity Cover |
|---|
Arogya Sanjeevani Not covered. Maternity expenses are excluded. |
VS VS |
Heart Not available |
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?
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
Insurance Plans Comparison
Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
Explore Our Most Popular Plans
Compare With Other Health Insurance Plans
Arogya Sanjeevani vs Supreme Senior Premium
Arogya Sanjeevani vs Energy Silver Without Copay
Arogya Sanjeevani vs Ultimate
Arogya Sanjeevani vs EquiCover
Arogya Sanjeevani vs Optima Secure Global Plus
Arogya Sanjeevani vs Optima Secure
Arogya Sanjeevani vs Super Mediclaim
Arogya Sanjeevani vs Critical Illness Platinum Plan
Arogya Sanjeevani vs Health Recharge
Arogya Sanjeevani vs Golden Shield
Arogya Sanjeevani vs Optima Secure Plus
Arogya Sanjeevani vs Cancer Cover Activ Cancer Secure Plan
Arogya Sanjeevani vs LifeTime Health Global
Arogya Sanjeevani vs Women Care
Arogya Sanjeevani vs Aspire Diamond+
Arogya Sanjeevani vs Activate Booster Plan A
Arogya Sanjeevani vs myHealth Medisure Super Top-up
Arogya Sanjeevani vs Health Super Saver Standard
Arogya Sanjeevani vs Active Care Premier
Arogya Sanjeevani vs ProHealth Accumulate
Arogya Sanjeevani vs Health Booster SuperTopup Individual Adult 1 Year N
Arogya Sanjeevani vs Supreme Shine
Arogya Sanjeevani vs Health Shield 360 Retail
Arogya Sanjeevani vs Health Cardiac Care Silver & Gold Plan
Arogya Sanjeevani vs myHealth Suraksha Gold
Arogya Sanjeevani vs Max Protect Premium
Arogya Sanjeevani vs Elder Care
Arogya Sanjeevani vs Young Star Gold
Arogya Sanjeevani vs Assure
Arogya Sanjeevani vs Active Fit Plus
Arogya Sanjeevani vs Cancer Care Platinum
Arogya Sanjeevani vs Health Connect Elite
Arogya Sanjeevani vs OneHealth Premium
Arogya Sanjeevani vs ProHealth Prime Protect
Arogya Sanjeevani vs Optima Lite
Arogya Sanjeevani vs Medicare Plus
Arogya Sanjeevani vs Activ Health Platinum Essential
Arogya Sanjeevani vs GoActive
Arogya Sanjeevani vs Criti Shield Family Shield
Arogya Sanjeevani vs Medicare Senior
Arogya Sanjeevani vs Enhance Super Top-up Two
Arogya Sanjeevani vs Reassure 3.0
Arogya Sanjeevani vs Medicare Protect
Arogya Sanjeevani vs Health AdvantEdge Plus
Arogya Sanjeevani vs Activ One SAVR
Arogya Sanjeevani vs Active Assure Diamond
Arogya Sanjeevani vs Activ One VIP
Arogya Sanjeevani vs Health Pulse Classic
Arogya Sanjeevani vs Advantage
Arogya Sanjeevani vs Mediclaim Insurance Policy
Arogya Sanjeevani vs iHealth
Arogya Sanjeevani vs Special Care Gold
Arogya Sanjeevani vs Energy Gold Without Copay
Arogya Sanjeevani vs Activ One Max
Arogya Sanjeevani vs Smart Super Health
Arogya Sanjeevani vs Classic
Arogya Sanjeevani vs Activ One Vytl
Arogya Sanjeevani vs Supreme
Arogya Sanjeevani vs Freedom
Arogya Sanjeevani vs Sarvah Pratham
Arogya Sanjeevani vs Joy Today
Arogya Sanjeevani vs Medi Classic
Arogya Sanjeevani vs Activate Booster Plan B
Arogya Sanjeevani vs Aspire Gold+
Arogya Sanjeevani vs Health Gain
Arogya Sanjeevani vs Aspire Platinum+
Arogya Sanjeevani vs Plus Complete
Arogya Sanjeevani vs Health Companion Family First Plan
Arogya Sanjeevani vs Reassure 2.0 Platinum+
Arogya Sanjeevani vs Reassure 3.0 Elite
Arogya Sanjeevani vs Enhance Super Top-up One
Arogya Sanjeevani vs Joy Tomorrow
Arogya Sanjeevani vs Reassure 3.0 Select
Arogya Sanjeevani vs Activ One VIP+
Arogya Sanjeevani vs Red Carpet Senior Citizens
Arogya Sanjeevani vs Super Surplus Gold
Arogya Sanjeevani vs Health SuperCharge
Arogya Sanjeevani vs Health Elite Plus
Arogya Sanjeevani vs Medicare Premier
Arogya Sanjeevani vs Family Health Optima
Arogya Sanjeevani vs Health Companion Variant 2022
Arogya Sanjeevani vs Health Companion Variant 3
Arogya Sanjeevani vs Plus Youth
Arogya Sanjeevani vs ProHealth Prime Advantage
Arogya Sanjeevani vs Critical Illness Silver Plan
Arogya Sanjeevani vs Health Premia Gold
Arogya Sanjeevani vs Health Premia Platinum
Arogya Sanjeevani vs Comprehensive
Arogya Sanjeevani vs HeartBeat Enhanced
Arogya Sanjeevani vs Reassure
Arogya Sanjeevani vs Complete Health Insurance Health Shield Plus Plan
Arogya Sanjeevani vs myHealth Suraksha Platinum
Arogya Sanjeevani vs Health Recharge Super Top Up Plan
Arogya Sanjeevani vs Supreme Value for Money
Arogya Sanjeevani vs Supreme Enhance Two
Arogya Sanjeevani vs Supreme Senior Super
Arogya Sanjeevani vs Supreme Enhance
Arogya Sanjeevani vs Reassure 2.0 Gold
Arogya Sanjeevani vs Active Fit Preferred
Arogya Sanjeevani vs LifeTime Health
Arogya Sanjeevani vs Medicare
Arogya Sanjeevani vs ProHealth Prime Active
Arogya Sanjeevani vs ProHealth Prime Senior Elite
Arogya Sanjeevani vs Advanced Top Up
Arogya Sanjeevani vs Multiplier Health
Arogya Sanjeevani vs Ultimate (Direct)
Arogya Sanjeevani vs Young Star
Arogya Sanjeevani vs Star Women Care Policy
Arogya Sanjeevani vs Health Assurance
Arogya Sanjeevani vs Family Plus
Arogya Sanjeevani vs Sarvah Param
Arogya Sanjeevani vs Optima Insurance
Arogya Sanjeevani vs Smart Super Health Assure
Arogya Sanjeevani vs Criti Shield Plus
Arogya Sanjeevani vs Health Care Supreme Ultimo
Arogya Sanjeevani vs Super Star
Arogya Sanjeevani vs Reassure 3.0 Black
Arogya Sanjeevani vs Health Guard Platinum
Arogya Sanjeevani vs Health Guard Gold
Arogya Sanjeevani vs Elevate (Direct)
Arogya Sanjeevani vs Senior First Platinum
Arogya Sanjeevani vs Extra Care Plus Super Top-up
Arogya Sanjeevani vs Health Care Supreme Smart
Arogya Sanjeevani vs Medi Classic Gold
Arogya Sanjeevani vs Smart Health Pro
Arogya Sanjeevani vs Optima Super Secure
Arogya Sanjeevani vs Optima Secure Global
Arogya Sanjeevani vs Special Care
Arogya Sanjeevani vs Medicare LITE
Arogya Sanjeevani vs NextGen
Arogya Sanjeevani vs Health Shield 360
Arogya Sanjeevani vs SecureHealth
Arogya Sanjeevani vs Energy Silver With Copay
Arogya Sanjeevani vs Supreme (Direct)
Arogya Sanjeevani vs Plus
Arogya Sanjeevani vs Medicare Select
Arogya Sanjeevani vs Complete Health Insurance Health Protect Plus Plan
Arogya Sanjeevani vs myHealth Koti Suraksha
Arogya Sanjeevani vs Senior
Arogya Sanjeevani vs myHealth Suraksha Silver
Arogya Sanjeevani vs Health Booster
Arogya Sanjeevani vs Complete Health Insurance Health Shield
Arogya Sanjeevani vs Cardiac Care Platinum
Arogya Sanjeevani vs Royal Sundaram Lifeline Elite
Arogya Sanjeevani vs HeartBeat Platinum
Arogya Sanjeevani vs Supreme Enhance One
Arogya Sanjeevani vs HeartBeat Gold
Arogya Sanjeevani vs Health Companion Variant 2
Arogya Sanjeevani vs Health Companion Variant 1
Arogya Sanjeevani vs Aspire Titanium+
Arogya Sanjeevani vs iHealth Plus
Arogya Sanjeevani vs Reassure 3.0 Classic
Arogya Sanjeevani vs Senior Health Advantage
Arogya Sanjeevani vs Health Wallet
Arogya Sanjeevani vs Elevate
Arogya Sanjeevani vs Heart
Arogya Sanjeevani vs Reassure 2.0 Titanium+
Arogya Sanjeevani vs Diabetes Safe Plan A
Arogya Sanjeevani vs Reassure 2.0 Bronze+
Arogya Sanjeevani vs Young Star Silver
Arogya Sanjeevani vs Enhance Super Top-up
Arogya Sanjeevani vs Joy
Arogya Sanjeevani vs Health Elite
Arogya Sanjeevani vs Supreme Senior Health AdvantEdge
Arogya Sanjeevani vs Health AdvantEdge
Arogya Sanjeevani vs Supreme Super Saver
Arogya Sanjeevani vs Health Insurance Platinum
Heart vs Supreme Senior Premium
Heart vs Energy Silver Without Copay
Heart vs Ultimate
Heart vs EquiCover
Heart vs Optima Secure Global Plus
Heart vs Optima Secure
Heart vs Super Mediclaim
Heart vs Critical Illness Platinum Plan
Heart vs Health Recharge
Heart vs Golden Shield
Heart vs Optima Secure Plus
Heart vs Cancer Cover Activ Cancer Secure Plan
Heart vs LifeTime Health Global
Heart vs Women Care
Heart vs Aspire Diamond+
Heart vs Activate Booster Plan A
Heart vs myHealth Medisure Super Top-up
Heart vs Health Super Saver Standard
Heart vs Active Care Premier
Heart vs ProHealth Accumulate
Heart vs Health Booster SuperTopup Individual Adult 1 Year N
Heart vs Supreme Shine
Heart vs Health Shield 360 Retail
Heart vs Health Cardiac Care Silver & Gold Plan
Heart vs myHealth Suraksha Gold
Heart vs Max Protect Premium
Heart vs Elder Care
Heart vs Young Star Gold
Heart vs Assure
Heart vs Active Fit Plus
Heart vs Cancer Care Platinum
Heart vs Health Connect Elite
Heart vs Arogya Sanjeevani
Heart vs OneHealth Premium
Heart vs ProHealth Prime Protect
Heart vs Optima Lite
Heart vs Medicare Plus
Heart vs Activ Health Platinum Essential
Heart vs GoActive
Heart vs Criti Shield Family Shield
Heart vs Medicare Senior
Heart vs Enhance Super Top-up Two
Heart vs Reassure 3.0
Heart vs Medicare Protect
Heart vs Health AdvantEdge Plus
Heart vs Activ One SAVR
Heart vs Active Assure Diamond
Heart vs Activ One VIP
Heart vs Health Pulse Classic
Heart vs Advantage
Heart vs Mediclaim Insurance Policy
Heart vs iHealth
Heart vs Special Care Gold
Heart vs Energy Gold Without Copay
Heart vs Activ One Max
Heart vs Smart Super Health
Heart vs Classic
Heart vs Activ One Vytl
Heart vs Supreme
Heart vs Freedom
Heart vs Sarvah Pratham
Heart vs Joy Today
Heart vs Medi Classic
Heart vs Activate Booster Plan B
Heart vs Aspire Gold+
Heart vs Health Gain
Heart vs Aspire Platinum+
Heart vs Plus Complete
Heart vs Health Companion Family First Plan
Heart vs Reassure 2.0 Platinum+
Heart vs Reassure 3.0 Elite
Heart vs Enhance Super Top-up One
Heart vs Joy Tomorrow
Heart vs Reassure 3.0 Select
Heart vs Activ One VIP+
Heart vs Red Carpet Senior Citizens
Heart vs Super Surplus Gold
Heart vs Health SuperCharge
Heart vs Health Elite Plus
Heart vs Medicare Premier
Heart vs Family Health Optima
Heart vs Health Companion Variant 2022
Heart vs Health Companion Variant 3
Heart vs Plus Youth
Heart vs ProHealth Prime Advantage
Heart vs Critical Illness Silver Plan
Heart vs Health Premia Gold
Heart vs Health Premia Platinum
Heart vs Comprehensive
Heart vs HeartBeat Enhanced
Heart vs Reassure
Heart vs Complete Health Insurance Health Shield Plus Plan
Heart vs myHealth Suraksha Platinum
Heart vs Health Recharge Super Top Up Plan
Heart vs Supreme Value for Money
Heart vs Supreme Enhance Two
Heart vs Supreme Senior Super
Heart vs Supreme Enhance
Heart vs Reassure 2.0 Gold
Heart vs Active Fit Preferred
Heart vs LifeTime Health
Heart vs Medicare
Heart vs ProHealth Prime Active
Heart vs ProHealth Prime Senior Elite
Heart vs Advanced Top Up
Heart vs Multiplier Health
Heart vs Ultimate (Direct)
Heart vs Young Star
Heart vs Star Women Care Policy
Heart vs Health Assurance
Heart vs Family Plus
Heart vs Sarvah Param
Heart vs Optima Insurance
Heart vs Smart Super Health Assure
Heart vs Criti Shield Plus
Heart vs Health Care Supreme Ultimo
Heart vs Super Star
Heart vs Reassure 3.0 Black
Heart vs Health Guard Platinum
Heart vs Health Guard Gold
Heart vs Elevate (Direct)
Heart vs Senior First Platinum
Heart vs Extra Care Plus Super Top-up
Heart vs Health Care Supreme Smart
Heart vs Medi Classic Gold
Heart vs Smart Health Pro
Heart vs Optima Super Secure
Heart vs Optima Secure Global
Heart vs Special Care
Heart vs Medicare LITE
Heart vs NextGen
Heart vs Health Shield 360
Heart vs SecureHealth
Heart vs Energy Silver With Copay
Heart vs Supreme (Direct)
Heart vs Plus
Heart vs Medicare Select
Heart vs Complete Health Insurance Health Protect Plus Plan
Heart vs myHealth Koti Suraksha
Heart vs Senior
Heart vs myHealth Suraksha Silver
Heart vs Health Booster
Heart vs Complete Health Insurance Health Shield
Heart vs Cardiac Care Platinum
Heart vs Royal Sundaram Lifeline Elite
Heart vs HeartBeat Platinum
Heart vs Supreme Enhance One
Heart vs HeartBeat Gold
Heart vs Health Companion Variant 2
Heart vs Health Companion Variant 1
Heart vs Aspire Titanium+
Heart vs iHealth Plus
Heart vs Reassure 3.0 Classic
Heart vs Senior Health Advantage
Heart vs Health Wallet
Heart vs Elevate
Heart vs Reassure 2.0 Titanium+
Heart vs Diabetes Safe Plan A
Heart vs Reassure 2.0 Bronze+
Heart vs Young Star Silver
Heart vs Enhance Super Top-up
Heart vs Joy
Heart vs Health Elite
Heart vs Supreme Senior Health AdvantEdge
Heart vs Health AdvantEdge
Heart vs Supreme Super Saver
Heart vs Health Insurance Platinum
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.







.png)