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.

Oneassure

Health Insurance

Compare Health Insurance Plans

Arogya Sanjeevani Vs Heartbeat Platinum

Insurance Plans Comparison

Digit Arogya Sanjeevani 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...

Arogya 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

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.

Name

Phone Number

Email

Your Enquiry

Name

Phone Number

Email

Your Enquiry

Quick Decision Guide

Digit Arogya Sanjeevani

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.

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

Arogya Sanjeevani

Health Insurance Plan

Brochure

Policy Wording

VS

HeartBeat Platinum

Health Insurance Plan

Brochure

Room Rent
Arogya Sanjeevani Normal: Covered up to 2% of the sum insured, with a maximum limit of ₹5,000 per day. ICU: Covered up to 5% of the sum insured, with a maximum limit of ₹10,000 per day.	HeartBeat Platinum Covered up to Sum Insured for eligible room categories, excluding Suite or higher categories.

Advanced Treatments
Arogya Sanjeevani Uterine Artery Embolization and HIFU (High intensity focused ultrasound) Balloon Sinuplasty Deep Brain stimulation Oral chemotherapy Immunotherapy - Monoclonal Antibody to be given as injection Intra vitreal injections Robotic surgeries Stereotactic radio surgeries Bronchical Thermoplasty Vaporisation of the prostrate (Green laser treatment or holmium laser treatment) IONM - (Intra Operative Neuro Monitoring) Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered up to 50% of sum insured.	HeartBeat Platinum Information Unavailable

Advanced Treatments

Arogya Sanjeevani

Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation
Oral chemotherapy
Immunotherapy - Monoclonal Antibody to be given as injection
Intra vitreal injections
Robotic surgeries
Stereotactic radio surgeries
Bronchical Thermoplasty
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered up to 50% of sum insured.

HeartBeat Platinum

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.	HeartBeat Platinum Covered up to Sum Insured as part of inpatient care, subject to policy terms.

Co-payment
Arogya Sanjeevani 5% co-payment is applicable to all claims, meaning the policyholder must bear 5% of the admissible claim amount.	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
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.	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
Arogya Sanjeevani Access to over 16,400 cashless network hospitals across India.	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
Arogya Sanjeevani Kindly refer to the policy wording.	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.

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.	HeartBeat Platinum All eligible day-care treatments are covered up to Sum Insured, subject to policy terms.

Cumulative Bonus
Arogya Sanjeevani Kindly refer to the policy wording.	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

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.	HeartBeat Platinum Covers eligible inpatient treatment under Ayurveda, Unani, Siddha and Homeopathy up to Sum Insured, subject to policy terms.

Consumable Cover
Arogya Sanjeevani Kindly refer to the policy wording. Confirm with Niva Bupa on 1860-500-8888.	HeartBeat Platinum Allowable consumables during hospitalisation are covered. Items included in the applicable non-payable list are excluded.

Initial Waiting Period
Arogya Sanjeevani 30 days from inception, except for 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
Arogya Sanjeevani Kindly refer to the policy wording.	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
Arogya Sanjeevani Up to 48 months under the IRDAI standard. Confirm on the policy schedule, or with 1860-500-8888.	HeartBeat Platinum 24 months of continuous coverage for declared pre-existing diseases.

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.	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
Arogya Sanjeevani Kindly refer to the policy wording. Confirm with Niva Bupa on 1860-500-8888.	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
Arogya Sanjeevani Up to 30 days before admission under the IRDAI standard product. Confirm on the policy schedule, or with 1860-500-8888.	HeartBeat Platinum Covered for 60 days, up to Sum Insured.

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.	HeartBeat Platinum Covered for 90 days, up to Sum Insured.

Outpatient Department Cover (OPD Expense)
Arogya Sanjeevani Not covered (not listed in the standard product’s benefits)	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
Arogya Sanjeevani kindly refer to the policy wording.	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
Arogya Sanjeevani Individual or family floater, within the ₹1 lakh to ₹5 lakh sum insured range	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
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).	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
Arogya Sanjeevani Not covered. Maternity expenses are excluded.	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

Arogya Sanjeevani

Health Insurance Plan

Brochure

Policy Wording

VS

HeartBeat Platinum

Health Insurance Plan

Brochure

Room Rent
Arogya Sanjeevani Normal: Covered up to 2% of the sum insured, with a maximum limit of ₹5,000 per day. ICU: Covered up to 5% of the sum insured, with a maximum limit of ₹10,000 per day.
VS VS
HeartBeat Platinum Covered up to Sum Insured for eligible room categories, excluding Suite or higher categories.

Advanced Treatments
Arogya Sanjeevani Uterine Artery Embolization and HIFU (High intensity focused ultrasound) Balloon Sinuplasty Deep Brain stimulation Oral chemotherapy Immunotherapy - Monoclonal Antibody to be given as injection Intra vitreal injections Robotic surgeries Stereotactic radio surgeries Bronchical Thermoplasty Vaporisation of the prostrate (Green laser treatment or holmium laser treatment) IONM - (Intra Operative Neuro Monitoring) Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered up to 50% of sum insured.
VS VS
HeartBeat Platinum 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
HeartBeat Platinum Covered up to Sum Insured as part of inpatient care, subject to policy terms.

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
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
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
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
Arogya Sanjeevani Access to over 16,400 cashless network hospitals across India.
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
Arogya Sanjeevani Kindly refer to the policy wording.
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.

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
HeartBeat Platinum All eligible day-care treatments are covered up to Sum Insured, subject to policy terms.

Cumulative Bonus
Arogya Sanjeevani Kindly refer to the policy wording.
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

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
HeartBeat Platinum Covers eligible inpatient treatment under Ayurveda, Unani, Siddha and Homeopathy up to Sum Insured, subject to policy terms.

Consumable Cover
Arogya Sanjeevani Kindly refer to the policy wording. Confirm with Niva Bupa on 1860-500-8888.
VS VS
HeartBeat Platinum Allowable consumables during hospitalisation are covered. Items included in the applicable non-payable list are excluded.

Initial Waiting Period
Arogya Sanjeevani 30 days from inception, except for 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
Arogya Sanjeevani Kindly refer to the policy wording.
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
Arogya Sanjeevani Up to 48 months under the IRDAI standard. Confirm on the policy schedule, or with 1860-500-8888.
VS VS
HeartBeat Platinum 24 months of continuous coverage for declared pre-existing diseases.

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
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
Arogya Sanjeevani Kindly refer to the policy wording. Confirm with Niva Bupa on 1860-500-8888.
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
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
HeartBeat Platinum Covered for 60 days, up to Sum Insured.

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
HeartBeat Platinum Covered for 90 days, up to Sum Insured.

Outpatient Department Cover (OPD Expense)
Arogya Sanjeevani Not covered (not listed in the standard product’s benefits)
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
Arogya Sanjeevani kindly refer to the policy wording.
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
Arogya Sanjeevani Individual or family floater, within the ₹1 lakh to ₹5 lakh sum insured range
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
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
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
Arogya Sanjeevani Not covered. Maternity expenses are excluded.
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

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.

Name

Phone Number

Email

Your Enquiry

Name

Phone Number

Email

Your Enquiry

Why Choose Our Expert Consultation?

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

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

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

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

Frequently Asked Questions (FAQs)

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

1-5 of 10 FAQs

Explore Our Most Popular Plans

ICICI Lombard Elevate

Tata AIG Medicare Premier

HDFC ERGO My Optima Secure

Care Health Supreme

Niva Bupa Reassure 2.0

Tata AIG Medicare Select Plan

Niva Bupa Aspire Titanium Plus

Bajaj Allianz My Healthcare Plan

Star Health Women

Bajaj Allianz Health Ensure

Niva Bupa Health Companion

Care Health Ultimate

ICICI Lombard Elevate

Tata AIG Medicare Premier

HDFC ERGO My Optima Secure

Care Health Supreme

Niva Bupa Reassure 2.0

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

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

HeartBeat Platinum vs Supreme Senior Premium

HeartBeat Platinum vs Energy Silver Without Copay

HeartBeat Platinum vs Ultimate

HeartBeat Platinum vs EquiCover

HeartBeat Platinum vs Optima Secure Global Plus

HeartBeat Platinum vs Optima Secure

HeartBeat Platinum vs Super Mediclaim

HeartBeat Platinum vs Critical Illness Platinum Plan

HeartBeat Platinum vs Health Recharge

HeartBeat Platinum vs Golden Shield

HeartBeat Platinum vs Optima Secure Plus

HeartBeat Platinum vs Cancer Cover Activ Cancer Secure Plan

HeartBeat Platinum vs LifeTime Health Global

HeartBeat Platinum vs Women Care

HeartBeat Platinum vs Aspire Diamond+

HeartBeat Platinum vs Activate Booster Plan A

HeartBeat Platinum vs myHealth Medisure Super Top-up

HeartBeat Platinum vs Health Super Saver Standard

HeartBeat Platinum vs Active Care Premier

HeartBeat Platinum vs ProHealth Accumulate

HeartBeat Platinum vs Health Booster SuperTopup Individual Adult 1 Year N

HeartBeat Platinum vs Supreme Shine

HeartBeat Platinum vs Health Shield 360 Retail

HeartBeat Platinum vs Health Cardiac Care Silver & Gold Plan

HeartBeat Platinum vs myHealth Suraksha Gold

HeartBeat Platinum vs Max Protect Premium

HeartBeat Platinum vs Elder Care

HeartBeat Platinum vs Young Star Gold

HeartBeat Platinum vs Assure

HeartBeat Platinum vs Active Fit Plus

HeartBeat Platinum vs Cancer Care Platinum

HeartBeat Platinum vs Health Connect Elite

HeartBeat Platinum vs Arogya Sanjeevani

HeartBeat Platinum vs OneHealth Premium

HeartBeat Platinum vs ProHealth Prime Protect

HeartBeat Platinum vs Optima Lite

HeartBeat Platinum vs Medicare Plus

HeartBeat Platinum vs Activ Health Platinum Essential

HeartBeat Platinum vs GoActive

HeartBeat Platinum vs Criti Shield Family Shield

HeartBeat Platinum vs Medicare Senior

HeartBeat Platinum vs Enhance Super Top-up Two

HeartBeat Platinum vs Reassure 3.0

HeartBeat Platinum vs Medicare Protect

HeartBeat Platinum vs Health AdvantEdge Plus

HeartBeat Platinum vs Activ One SAVR

HeartBeat Platinum vs Active Assure Diamond

HeartBeat Platinum vs Activ One VIP

HeartBeat Platinum vs Health Pulse Classic

HeartBeat Platinum vs Advantage

HeartBeat Platinum vs Mediclaim Insurance Policy

HeartBeat Platinum vs iHealth

HeartBeat Platinum vs Special Care Gold

HeartBeat Platinum vs Energy Gold Without Copay

HeartBeat Platinum vs Activ One Max

HeartBeat Platinum vs Smart Super Health

HeartBeat Platinum vs Classic

HeartBeat Platinum vs Activ One Vytl

HeartBeat Platinum vs Supreme

HeartBeat Platinum vs Freedom

HeartBeat Platinum vs Sarvah Pratham

HeartBeat Platinum vs Joy Today

HeartBeat Platinum vs Medi Classic

HeartBeat Platinum vs Activate Booster Plan B

HeartBeat Platinum vs Aspire Gold+

HeartBeat Platinum vs Health Gain

HeartBeat Platinum vs Aspire Platinum+

HeartBeat Platinum vs Plus Complete

HeartBeat Platinum vs Health Companion Family First Plan

HeartBeat Platinum vs Reassure 2.0 Platinum+

HeartBeat Platinum vs Reassure 3.0 Elite

HeartBeat Platinum vs Enhance Super Top-up One

HeartBeat Platinum vs Joy Tomorrow

HeartBeat Platinum vs Reassure 3.0 Select

HeartBeat Platinum vs Activ One VIP+

HeartBeat Platinum vs Red Carpet Senior Citizens

HeartBeat Platinum vs Super Surplus Gold

HeartBeat Platinum vs Health SuperCharge

HeartBeat Platinum vs Health Elite Plus

HeartBeat Platinum vs Medicare Premier

HeartBeat Platinum vs Family Health Optima

HeartBeat Platinum vs Health Companion Variant 2022

HeartBeat Platinum vs Health Companion Variant 3

HeartBeat Platinum vs Plus Youth

HeartBeat Platinum vs ProHealth Prime Advantage

HeartBeat Platinum vs Critical Illness Silver Plan

HeartBeat Platinum vs Health Premia Gold

HeartBeat Platinum vs Health Premia Platinum

HeartBeat Platinum vs Comprehensive

HeartBeat Platinum vs HeartBeat Enhanced

HeartBeat Platinum vs Reassure

HeartBeat Platinum vs Complete Health Insurance Health Shield Plus Plan

HeartBeat Platinum vs myHealth Suraksha Platinum

HeartBeat Platinum vs Health Recharge Super Top Up Plan

HeartBeat Platinum vs Supreme Value for Money

HeartBeat Platinum vs Supreme Enhance Two

HeartBeat Platinum vs Supreme Senior Super

HeartBeat Platinum vs Supreme Enhance

HeartBeat Platinum vs Reassure 2.0 Gold

HeartBeat Platinum vs Active Fit Preferred

HeartBeat Platinum vs LifeTime Health

HeartBeat Platinum vs Medicare

HeartBeat Platinum vs ProHealth Prime Active

HeartBeat Platinum vs ProHealth Prime Senior Elite

HeartBeat Platinum vs Advanced Top Up

HeartBeat Platinum vs Multiplier Health

HeartBeat Platinum vs Ultimate (Direct)

HeartBeat Platinum vs Young Star

HeartBeat Platinum vs Star Women Care Policy

HeartBeat Platinum vs Health Assurance

HeartBeat Platinum vs Family Plus

HeartBeat Platinum vs Sarvah Param

HeartBeat Platinum vs Optima Insurance

HeartBeat Platinum vs Smart Super Health Assure

HeartBeat Platinum vs Criti Shield Plus

HeartBeat Platinum vs Health Care Supreme Ultimo

HeartBeat Platinum vs Super Star

HeartBeat Platinum vs Reassure 3.0 Black

HeartBeat Platinum vs Health Guard Platinum

HeartBeat Platinum vs Health Guard Gold

HeartBeat Platinum vs Elevate (Direct)

HeartBeat Platinum vs Senior First Platinum

HeartBeat Platinum vs Extra Care Plus Super Top-up

HeartBeat Platinum vs Health Care Supreme Smart

HeartBeat Platinum vs Medi Classic Gold

HeartBeat Platinum vs Smart Health Pro

HeartBeat Platinum vs Optima Super Secure

HeartBeat Platinum vs Optima Secure Global

HeartBeat Platinum vs Special Care

HeartBeat Platinum vs Medicare LITE

HeartBeat Platinum vs NextGen

HeartBeat Platinum vs Health Shield 360

HeartBeat Platinum vs SecureHealth

HeartBeat Platinum vs Energy Silver With Copay

HeartBeat Platinum vs Supreme (Direct)

HeartBeat Platinum vs Plus

HeartBeat Platinum vs Medicare Select

HeartBeat Platinum vs Complete Health Insurance Health Protect Plus Plan

HeartBeat Platinum vs myHealth Koti Suraksha

HeartBeat Platinum vs Senior

HeartBeat Platinum vs myHealth Suraksha Silver

HeartBeat Platinum vs Health Booster

HeartBeat Platinum vs Complete Health Insurance Health Shield

HeartBeat Platinum vs Cardiac Care Platinum

HeartBeat Platinum vs Royal Sundaram Lifeline Elite

HeartBeat Platinum vs Supreme Enhance One

HeartBeat Platinum vs HeartBeat Gold

HeartBeat Platinum vs Health Companion Variant 2

HeartBeat Platinum vs Health Companion Variant 1

HeartBeat Platinum vs Aspire Titanium+

HeartBeat Platinum vs iHealth Plus

HeartBeat Platinum vs Reassure 3.0 Classic

HeartBeat Platinum vs Senior Health Advantage

HeartBeat Platinum vs Health Wallet

HeartBeat Platinum vs Elevate

HeartBeat Platinum vs Heart

HeartBeat Platinum vs Reassure 2.0 Titanium+

HeartBeat Platinum vs Diabetes Safe Plan A

HeartBeat Platinum vs Reassure 2.0 Bronze+

HeartBeat Platinum vs Young Star Silver

HeartBeat Platinum vs Enhance Super Top-up

HeartBeat Platinum vs Joy

HeartBeat Platinum vs Health Elite

HeartBeat Platinum vs Supreme Senior Health AdvantEdge

HeartBeat Platinum vs Health AdvantEdge

HeartBeat Platinum vs Supreme Super Saver

HeartBeat Platinum vs Health Insurance Platinum

HeartBeat Platinum vs Supreme Senior Premium

HeartBeat Platinum vs Energy Silver Without Copay

HeartBeat Platinum vs Ultimate

HeartBeat Platinum vs EquiCover

HeartBeat Platinum vs Optima Secure Global Plus

Related Blogs

Joseph Vijay Announces ₹25 Lakh Health Insurance in Tamil Nadu: What Residents Need to Know

October 26, 2026 | Jaison F Joy

Diwali Emergencies and Health Insurance: Are You Covered for Unexpected Hospital Bills?

October 26, 2026 | Jaison F Joy

What Is IRDAI? What Does IRDAI Do for Insurance in India?

October 7, 2026 | Jaison F Joy

Making Health Insurance Affordable: Is EMI Really the Best Way?

February 4, 2026 | OneAssure Team

Insurance in 2026: Great for Your Wallet, But What’s Still Missing?

February 1, 2026 | OneAssure Team

How India’s Budget 2026 Could Shape the Future of Insurance - A Young Earner’s Guide.

February 1, 2026 | OneAssure Team

Tips To Choose The Best Health Insurance Plan

November 17, 2025 | Mahak Chauhan

Joseph Vijay Announces ₹25 Lakh Health Insurance in Tamil Nadu: What Residents Need to Know

October 26, 2026 | Jaison F Joy

Diwali Emergencies and Health Insurance: Are You Covered for Unexpected Hospital Bills?

October 26, 2026 | Jaison F Joy

What Is IRDAI? What Does IRDAI Do for Insurance in India?

October 7, 2026 | Jaison F Joy

Making Health Insurance Affordable: Is EMI Really the Best Way?

February 4, 2026 | OneAssure Team

Insurance in 2026: Great for Your Wallet, But What’s Still Missing?

February 1, 2026 | OneAssure Team

How India’s Budget 2026 Could Shape the Future of Insurance - A Young Earner’s Guide.

February 1, 2026 | OneAssure Team

Tips To Choose The Best Health Insurance Plan

November 17, 2025 | Mahak Chauhan

Oneassure

Health Insurance

Compare Health Insurance Plans

Arogya Sanjeevani Vs Heartbeat Platinum