HDFC ERGO Energy Silver vs Niva Bupa Heart Beat Gold

All room categories are covered

No restriction on ICU room rent

No restriction on ICU room rent

Covered up to Sum Insured

No

Yes

Available as an option

Optional

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

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

15,000+ Healthcare Providers

10000+ Healthcare Providers

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

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

Yes

Yes

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

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

30 days

90 days.

2 years

2 years

2 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 twice 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 30 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 60 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 expense is not included

OPD expenses are not available

Not available

Available as an option

Available coverage options: ₹2L, 3L, 5L, 10L, 20L, 25L, 50L

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

95%

90.10%

Not available

Available with capping based on base sum insured.