Niva Bupa HeartBeat Gold vs Care Supreme Enhance Two

1. Normal: Single private room
2. ICU: No Limit

No restriction on ICU room rent

No restriction on ICU room rent

Covered up to Sum Insured

1. Robotic Surgery
2. Proton Beam Therapy
3. Cyber Knife Treatment
4. Stem Cell Therapy 
5. Targeted and Immunotherapy 
6. Artificial Organs & Implants

Yes

No

Optional

Only applicable for people above the age of 61.

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

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

10000+ Healthcare Providers

24800+ network hospitals across India.

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

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

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

Covered under the policy

Yes

Yes

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

AYUSH treatment covered under this policy

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

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

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 60 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 90 days after discharge, including physiotherapy if your doctor prescribes it

OPD expenses are not available

OPD expense is not included

Available as an option

Available

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

Available coverage options: 20L to 1cr

92.02%

96%

Available with capping based on base sum insured.

Not available