How does OneAssure help me compare health insurance policies and choose the best plan?

OneAssure allows you to compare multiple health insurance policies side by side, analyzing coverage, premiums, hospital networks, and benefits to choose the most suitable plan for your needs.

What is the difference between cashless and reimbursement claims in health insurance policies?

Cashless claims let you get treatment at network hospitals without paying upfront, while reimbursement claims require you to pay first and get refunded later.

Does OneAssure provide expert guidance while selecting health insurance with maternity or newborn coverage?

Yes, OneAssure’s insurance experts guide you in selecting plans with maternity benefits, newborn cover, and short waiting periods for family planning needs.

How do co-payment clauses impact health insurance premiums and claim settlements?

Co-payment means you share a part of the claim cost. Opting for co-pay lowers your premium but increases your out-of-pocket expenses.

Which health insurance plan offers the best coverage for critical illnesses and pre-existing diseases?

Plans with comprehensive coverage, minimal waiting periods, and optional critical illness riders are ideal. OneAssure helps identify policies that best meet these requirements.

Can I compare waiting periods and sub-limits for hospitalisation expenses on OneAssure?

Yes, OneAssure’s comparison tool highlights waiting periods, sub-limits, and exclusions so you can choose a policy that maximizes benefits and minimizes restrictions.

What are room rent limits in health insurance, and how do they affect claims?

Room rent limits cap the daily room cost covered by your insurer. Choosing a plan without strict limits ensures higher claim payouts.

Does OneAssure assist with health insurance claims and renewals after I purchase a policy?

Absolutely. OneAssure provides end-to-end support for claims, renewals, and queries, ensuring a hassle-free experience throughout your policy tenure.

How can I check if a health insurance plan covers daycare procedures and modern treatments?

OneAssure’s policy comparison clearly lists daycare and advanced treatment coverage, helping you pick a plan aligned with your healthcare needs.

What documents are needed to buy and claim a health insurance policy online via OneAssure?

To buy a policy, you need ID proof, address proof, and medical details. For claims, hospital bills, prescriptions, and discharge summaries are required.

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Compare Health Insurance Plans

Supreme Value For Money Vs Heartbeat Platinum

Insurance Plans Comparison

Care Supreme Value for Money vs Niva Bupa HeartBeat Platinum

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare coverage, benefits, and premiums to find the perfect plan for your needs.

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

Supreme Value for Money

Affordable health insurance with hospitalisation cover, unlimited automatic recharge and a cumulative bonus that can double the base sum insured.

What Makes It Special:

Care Supreme is a health insurance plan from Care Health Insurance that combines hospitalisation coverage with unlimited automatic recharge and a cumulative bonus of up to 100% of the base sum insured. The Value for Money variant is designed around essential hospitalisation protection at a competitive premium, with important conditions...

Best For:

Buyers who prioritise hospitalisation coverage over standard maternity and routine OPD benefits.
Customers comfortable using designated Smart Select hospitals to manage co-payment exposure.
Buyers who want a cumulative bonus that can increase the base sum insured by up to 100%.
Customers who value unlimited automatic recharge for eligible repeat hospitalisations.
Individuals and families looking for health insurance with essential hospitalisation benefits.

VS

HeartBeat Platinum

Niva Bupa Heartbeat Platinum Plan Health cover from ₹15 lakh to ₹1 crore with OPD benefits, maternity cover, international emergency protection and up to 100% Loyalty Additions.

What Makes It Special:

Premium family health insurance with OPD benefits, international emergency coverage, maternity and newborn benefits, annual health check-ups, a 24-month pre-existing disease waiting period and Loyalty Additions of up to 100%.

Best For:

Customers who value additional benefits beyond hospitalisation: Platinum includes annual health check-ups, second medical opinions for specified conditions or procedures, Loyalty Additions and a Re-fill benefit.
People who want international emergency protection: The plan includes specified international emergency benefits, with an optional enhanced geographical scope for the USA and Canada.
Couples planning to have children: Eligible policy structures include maternity benefits, newborn cover and first-year vaccinations, subject to waiting periods and limits.
People who use outpatient healthcare regularly: The plan includes OPD treatment, diagnostic tests and prescribed medicines within the applicable annual limit.
Families seeking higher health cover: Platinum offers Individual/Family Floater Sum Insured options from ₹15 lakh to ₹1 crore, helping families plan for potentially expensive hospitalisation.

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.

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Quick Decision Guide

Care Supreme Value for Money

Additional benefits: Compare optional waiting-period modifications, OPD coverage and non-payable expense protection where available.
Waiting periods: Consider the 30-day initial waiting period, 24-month specific illness waiting period and 36-month pre-existing disease waiting period.
Network hospitals: Check whether suitable Smart Select hospitals are accessible where you live and expect to seek treatment.
Room eligibility: Understand the permitted room category and the potential financial impact of choosing a higher category.
Sum insured: Choose cover based on your location, healthcare costs, family size and financial commitments.

Niva Bupa HeartBeat Platinum

Compare optional costs and policy limits: Evaluate deductibles, voluntary co-payment, room eligibility, disease sublimits and the Re-fill conditions. A lower premium may mean paying more out of pocket when making a claim.
Choose your geographical coverage carefully: Review Zone 1 and Zone 2 pricing and understand where the 20% co-payment applies. If international protection matters, check the optional USA and Canada geographical enhancement and its exclusions.
Read the maternity and newborn conditions: Check the applicable waiting period, maternity limit, eligible policy structure and newborn benefits before choosing the plan.
Calculate your likely OPD expenses: Compare the annual OPD limit with your expected spending on consultations, diagnostics and prescribed medicines. Review the carry-forward conditions and eligible expenses in the policy wording.
Select the right Sum Insured: Compare ₹15 lakh, ₹20 lakh, ₹50 lakh and ₹1 crore options against your family's medical needs, location and budget. Family First Platinum uses a different per-person and floater structure.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Supreme Value for Money

Health Insurance Plan

Brochure

Policy Wording

VS

HeartBeat Platinum

Health Insurance Plan

Brochure

Room Rent
Supreme Value for Money Room eligibility is restricted under the Value for Money variant. The applicable room category and any associated claim deductions must be considered when choosing hospital accommodation.	HeartBeat Platinum Covered up to Sum Insured for eligible room categories, excluding Suite or higher categories.

ICU Charges
Supreme Value for Money Eligible ICU expenses are covered without a separate monetary sublimit, subject to the applicable room and policy conditions.	HeartBeat Platinum Covered up to Sum Insured as part of inpatient care, subject to policy terms.

Co-payment
Supreme Value for Money A 20% co-payment applies to eligible treatment taken outside the designated Smart Select network under the Value for Money variant. The insured bears the applicable share of the admissible claim.	HeartBeat Platinum No mandatory co-payment with Zone 1 pricing, which offers all-India coverage. Under Zone 2 pricing, a 20% co-payment applies to treatment in Mumbai, including Navi Mumbai and Thane, Delhi NCR, Kolkata and Gujarat. Optional voluntary co-payment of 10% or 20% is available for a premium discount.

Disease-wise sublimits
Supreme Value for Money Eligible treatments are generally covered up to the sum insured, subject to policy terms, exclusions and any applicable room-related claim deductions.	HeartBeat Platinum HIV/AIDS: up to ₹50,000 after a 4-year waiting period. Mental disorder treatment: covered up to SI, with a ₹50,000 sublimit for specified conditions after a 3-year waiting period. Maternity limits apply as listed above. Non-network emergency ambulance: up to ₹2,000 per event; network ambulance: up to SI.

Cashless Healthcare Providers
Supreme Value for Money The insurer's network includes thousands of hospitals across India. The available network count varies by date; check the current network directory for participating hospitals.	HeartBeat Platinum Cashless treatment is available at Niva Bupa network hospitals. The HeartBeat brochure refers to 10,000+ hospitals, an approximate network figure. Niva Bupa also advertises a 30-minute cashless pre-authorisation commitment, subject to the applicable process and required documents.

Restoration Benefit
Supreme Value for Money Unlimited automatic recharge reinstates the base sum insured multiple times during the policy year for eligible related and unrelated illnesses, subject to the applicable terms.	HeartBeat Platinum Re-fill Benefit: once per policy year, up to 100% of Base SI when Base SI and Loyalty Additions are partly or fully used. It can be used for subsequent claims for the same or a different illness, subject to policy conditions. The benefit is not available under Family First.

Cumulative Bonus
Supreme Value for Money The sum insured increases by 50% for each completed policy year, up to 100% of the base sum insured. The accumulated bonus is not reduced by claims.	HeartBeat Platinum Loyalty Additions increase the expiring Base Sum Insured by 10% at each renewal, up to a maximum of 100% of Base SI, irrespective of claims. The increase does not raise benefit sublimits

Daycare Treatment
Supreme Value for Money Eligible daycare procedures requiring less than 24 hours of hospitalisation are covered up to the sum insured, subject to policy conditions.	HeartBeat Platinum All eligible day-care treatments are covered up to Sum Insured, subject to policy terms.

Consumable Cover
Supreme Value for Money Standard cover does not automatically include every non-payable hospital expense. Claim Shield may cover specified non-payable items when included under the applicable variant.	HeartBeat Platinum Allowable consumables during hospitalisation are covered. Items included in the applicable non-payable list are excluded.

AYUSH Treatment
Supreme Value for Money Eligible inpatient and daycare AYUSH treatment is covered up to the sum insured, subject to policy conditions.	HeartBeat Platinum Covers eligible inpatient treatment under Ayurveda, Unani, Siddha and Homeopathy up to Sum Insured, subject to policy terms.

Initial Waiting Period
Supreme Value for Money 30 days for illnesses from policy inception. This waiting period does not apply to claims arising from accidents.	HeartBeat Platinum 30 days for illnesses. Accidents are covered from day one. The initial waiting period is waived for insured persons with 12 or more months of continuous coverage, subject to policy terms.

Specific Waiting Period
Supreme Value for Money 24 months for listed illnesses and procedures, subject to the applicable policy conditions.	HeartBeat Platinum 24 months for listed conditions such as cataract, hernia, joint replacement, piles and stones. This applies only to insured persons above 45 years at first policy inception. No specific waiting period applies to those aged 45 or below at entry.

PED Waiting Period
Supreme Value for Money 36 months for pre-existing diseases. An optional PED Waiting Period Modification benefit may reduce this to 1 or 2 years, where available and selected.	HeartBeat Platinum 24 months of continuous coverage for declared pre-existing diseases.

Modern Treatment
Supreme Value for Money Eligible advanced technology treatments are covered up to the sum insured, subject to the policy's treatment definitions, conditions and exclusions.	HeartBeat Platinum Covers 12 listed modern treatments, including robotic surgery, oral chemotherapy, immunotherapy and stem cell therapy, up to Sum Insured. A ₹1 lakh sublimit applies to certain robotic surgeries.

Annual Health Checkup
Supreme Value for Money Annual health check-ups are available as an optional benefit under the broader Care Supreme product. Availability under Value for Money depends on the applicable variant.	HeartBeat Platinum Annual health check-ups from the second policy year, on a cashless basis through empanelled providers. Test value: ₹3,750 for ₹15 lakh SI and ₹5,000 for ₹20 lakh, ₹50 lakh and ₹1 crore SI. Family First Platinum provides ₹5,000 per insured person.

Pre-Hospitalisation
Supreme Value for Money Eligible medical expenses incurred up to 60 days before hospitalisation are covered, subject to policy conditions and the sum insured.	HeartBeat Platinum Covered for 60 days, up to Sum Insured.

Post-Hospitalisation
Supreme Value for Money Eligible medical expenses are covered for up to 180 days after discharge, subject to policy conditions and the sum insured.	HeartBeat Platinum Covered for 90 days, up to Sum Insured.

Outpatient Department Cover (OPD Expense)
Supreme Value for Money Routine outpatient consultations are not part of the standard Value for Money coverage. Care OPD is a separate add-on policy, where available.	HeartBeat Platinum Covers eligible outpatient treatment, diagnostic tests and prescribed medicines. Limits: ₹15,000 for ₹15 lakh SI; ₹20,000 for ₹20 lakh SI; ₹35,000 for ₹50 lakh SI; ₹50,000 for ₹1 crore SI. Family First Platinum: ₹35,000. Subject to policy terms.

Deductible Option
Supreme Value for Money A deductible can be selected where offered. The insured must bear the opted aggregate deductible before the insurer pays eligible claims.	HeartBeat Platinum Optional annual aggregate deductible options are available for eligible Individual/Family Floater policies: ₹10,000, ₹20,000, ₹30,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh, ₹5 lakh or ₹10 lakh.

Coverage Options
Supreme Value for Money Individual coverage and family floater coverage are available under the Care Supreme product. Value for Money eligibility and sum insured options may be narrower than those of the broader product.	HeartBeat Platinum Individual/Family Floater Platinum offers Base SI of ₹15 lakh, ₹20 lakh, ₹50 lakh and ₹1 crore. Family First Platinum has a separate per-person and floater Sum Insured structure. Policy terms of 1 or 2 years are available, subject to the applicable option.

Claim Settlement Ratio
Supreme Value for Money Care Health Insurance's claim settlement ratio is an insurer-level metric, not a Value for Money product metric. The FY 2024–25 ratio reported by secondary sources is 96.74%; it should not be interpreted as a guarantee that an individual claim will be approved.	HeartBeat Platinum 96.0% of HeartBeat claims settled by number in FY 2025-26, according to the insurer's product-level public disclosure. Company-level figure reported in the annual report: 94.4%.

Maternity Cover
Supreme Value for Money Pregnancy, childbirth and related maternity expenses are excluded under the standard plan. Network discounts are not equivalent to maternity insurance coverage.	HeartBeat Platinum Covers up to two pregnancies or terminations under eligible policy structures after the applicable waiting period. Individual/Family Floater Platinum limits: ₹1.2 lakh for ₹15 lakh SI; ₹1.6 lakh for ₹20 lakh SI; ₹2 lakh for ₹50 lakh and ₹1 crore SI. Newborn cover and first-year vaccinations are included subject to policy conditions.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Supreme Value for Money

Health Insurance Plan

Brochure

Policy Wording

VS

HeartBeat Platinum

Health Insurance Plan

Brochure

Room Rent
Supreme Value for Money Room eligibility is restricted under the Value for Money variant. The applicable room category and any associated claim deductions must be considered when choosing hospital accommodation.
VS VS
HeartBeat Platinum Covered up to Sum Insured for eligible room categories, excluding Suite or higher categories.

ICU Charges
Supreme Value for Money Eligible ICU expenses are covered without a separate monetary sublimit, subject to the applicable room and policy conditions.
VS VS
HeartBeat Platinum Covered up to Sum Insured as part of inpatient care, subject to policy terms.

Co-payment
Supreme Value for Money A 20% co-payment applies to eligible treatment taken outside the designated Smart Select network under the Value for Money variant. The insured bears the applicable share of the admissible claim.
VS VS
HeartBeat Platinum No mandatory co-payment with Zone 1 pricing, which offers all-India coverage. Under Zone 2 pricing, a 20% co-payment applies to treatment in Mumbai, including Navi Mumbai and Thane, Delhi NCR, Kolkata and Gujarat. Optional voluntary co-payment of 10% or 20% is available for a premium discount.

Disease-wise sublimits
Supreme Value for Money Eligible treatments are generally covered up to the sum insured, subject to policy terms, exclusions and any applicable room-related claim deductions.
VS VS
HeartBeat Platinum HIV/AIDS: up to ₹50,000 after a 4-year waiting period. Mental disorder treatment: covered up to SI, with a ₹50,000 sublimit for specified conditions after a 3-year waiting period. Maternity limits apply as listed above. Non-network emergency ambulance: up to ₹2,000 per event; network ambulance: up to SI.

Cashless Healthcare Providers
Supreme Value for Money The insurer's network includes thousands of hospitals across India. The available network count varies by date; check the current network directory for participating hospitals.
VS VS
HeartBeat Platinum Cashless treatment is available at Niva Bupa network hospitals. The HeartBeat brochure refers to 10,000+ hospitals, an approximate network figure. Niva Bupa also advertises a 30-minute cashless pre-authorisation commitment, subject to the applicable process and required documents.

Restoration Benefit
Supreme Value for Money Unlimited automatic recharge reinstates the base sum insured multiple times during the policy year for eligible related and unrelated illnesses, subject to the applicable terms.
VS VS
HeartBeat Platinum Re-fill Benefit: once per policy year, up to 100% of Base SI when Base SI and Loyalty Additions are partly or fully used. It can be used for subsequent claims for the same or a different illness, subject to policy conditions. The benefit is not available under Family First.

Cumulative Bonus
Supreme Value for Money The sum insured increases by 50% for each completed policy year, up to 100% of the base sum insured. The accumulated bonus is not reduced by claims.
VS VS
HeartBeat Platinum Loyalty Additions increase the expiring Base Sum Insured by 10% at each renewal, up to a maximum of 100% of Base SI, irrespective of claims. The increase does not raise benefit sublimits

Daycare Treatment
Supreme Value for Money Eligible daycare procedures requiring less than 24 hours of hospitalisation are covered up to the sum insured, subject to policy conditions.
VS VS
HeartBeat Platinum All eligible day-care treatments are covered up to Sum Insured, subject to policy terms.

Consumable Cover
Supreme Value for Money Standard cover does not automatically include every non-payable hospital expense. Claim Shield may cover specified non-payable items when included under the applicable variant.
VS VS
HeartBeat Platinum Allowable consumables during hospitalisation are covered. Items included in the applicable non-payable list are excluded.

AYUSH Treatment
Supreme Value for Money Eligible inpatient and daycare AYUSH treatment is covered up to the sum insured, subject to policy conditions.
VS VS
HeartBeat Platinum Covers eligible inpatient treatment under Ayurveda, Unani, Siddha and Homeopathy up to Sum Insured, subject to policy terms.

Initial Waiting Period
Supreme Value for Money 30 days for illnesses from policy inception. This waiting period does not apply to claims arising from accidents.
VS VS
HeartBeat Platinum 30 days for illnesses. Accidents are covered from day one. The initial waiting period is waived for insured persons with 12 or more months of continuous coverage, subject to policy terms.

Specific Waiting Period
Supreme Value for Money 24 months for listed illnesses and procedures, subject to the applicable policy conditions.
VS VS
HeartBeat Platinum 24 months for listed conditions such as cataract, hernia, joint replacement, piles and stones. This applies only to insured persons above 45 years at first policy inception. No specific waiting period applies to those aged 45 or below at entry.

PED Waiting Period
Supreme Value for Money 36 months for pre-existing diseases. An optional PED Waiting Period Modification benefit may reduce this to 1 or 2 years, where available and selected.
VS VS
HeartBeat Platinum 24 months of continuous coverage for declared pre-existing diseases.

Modern Treatment
Supreme Value for Money Eligible advanced technology treatments are covered up to the sum insured, subject to the policy's treatment definitions, conditions and exclusions.
VS VS
HeartBeat Platinum Covers 12 listed modern treatments, including robotic surgery, oral chemotherapy, immunotherapy and stem cell therapy, up to Sum Insured. A ₹1 lakh sublimit applies to certain robotic surgeries.

Annual Health Checkup
Supreme Value for Money Annual health check-ups are available as an optional benefit under the broader Care Supreme product. Availability under Value for Money depends on the applicable variant.
VS VS
HeartBeat Platinum Annual health check-ups from the second policy year, on a cashless basis through empanelled providers. Test value: ₹3,750 for ₹15 lakh SI and ₹5,000 for ₹20 lakh, ₹50 lakh and ₹1 crore SI. Family First Platinum provides ₹5,000 per insured person.

Pre-Hospitalisation
Supreme Value for Money Eligible medical expenses incurred up to 60 days before hospitalisation are covered, subject to policy conditions and the sum insured.
VS VS
HeartBeat Platinum Covered for 60 days, up to Sum Insured.

Post-Hospitalisation
Supreme Value for Money Eligible medical expenses are covered for up to 180 days after discharge, subject to policy conditions and the sum insured.
VS VS
HeartBeat Platinum Covered for 90 days, up to Sum Insured.

Outpatient Department Cover (OPD Expense)
Supreme Value for Money Routine outpatient consultations are not part of the standard Value for Money coverage. Care OPD is a separate add-on policy, where available.
VS VS
HeartBeat Platinum Covers eligible outpatient treatment, diagnostic tests and prescribed medicines. Limits: ₹15,000 for ₹15 lakh SI; ₹20,000 for ₹20 lakh SI; ₹35,000 for ₹50 lakh SI; ₹50,000 for ₹1 crore SI. Family First Platinum: ₹35,000. Subject to policy terms.

Deductible Option
Supreme Value for Money A deductible can be selected where offered. The insured must bear the opted aggregate deductible before the insurer pays eligible claims.
VS VS
HeartBeat Platinum Optional annual aggregate deductible options are available for eligible Individual/Family Floater policies: ₹10,000, ₹20,000, ₹30,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh, ₹5 lakh or ₹10 lakh.

Coverage Options
Supreme Value for Money Individual coverage and family floater coverage are available under the Care Supreme product. Value for Money eligibility and sum insured options may be narrower than those of the broader product.
VS VS
HeartBeat Platinum Individual/Family Floater Platinum offers Base SI of ₹15 lakh, ₹20 lakh, ₹50 lakh and ₹1 crore. Family First Platinum has a separate per-person and floater Sum Insured structure. Policy terms of 1 or 2 years are available, subject to the applicable option.

Claim Settlement Ratio
Supreme Value for Money Care Health Insurance's claim settlement ratio is an insurer-level metric, not a Value for Money product metric. The FY 2024–25 ratio reported by secondary sources is 96.74%; it should not be interpreted as a guarantee that an individual claim will be approved.
VS VS
HeartBeat Platinum 96.0% of HeartBeat claims settled by number in FY 2025-26, according to the insurer's product-level public disclosure. Company-level figure reported in the annual report: 94.4%.

Maternity Cover
Supreme Value for Money Pregnancy, childbirth and related maternity expenses are excluded under the standard plan. Network discounts are not equivalent to maternity insurance coverage.
VS VS
HeartBeat Platinum Covers up to two pregnancies or terminations under eligible policy structures after the applicable waiting period. Individual/Family Floater Platinum limits: ₹1.2 lakh for ₹15 lakh SI; ₹1.6 lakh for ₹20 lakh SI; ₹2 lakh for ₹50 lakh and ₹1 crore SI. Newborn cover and first-year vaccinations are included subject to policy conditions.

Insurance Plans Comparison

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

End-to-End Support

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

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

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

24/7 Claim Assistance

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

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Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

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

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

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

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

Insurance Plans Comparison

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

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