Insurance Plans Comparison
Niva Bupa HeartBeat Gold vs HDFC ERGO myHealth Medisure Super Top-up
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreHeartBeat Gold
Stay in any hospital room except a suite, add 10% of the base sum insured each year up to 100%, and refill the base sum insured once for the same or a different illness.
What Makes It Special:
Niva Bupa Heart Beat Gold is a comprehensive health insurance plan designed for families. It provides coverage options from ₹5 lakh to ₹1 crore, offering benefits like maternity cover, newborn protection, annual health check-ups, cashless treatment at 10,000+ hospitals, AYUSH and modern treatments, and no limits on ICU charges. You...
Best For:
Health-conscious individuals who value yearly check-ups
Customers who prefer comfort of a private room during hospitalization
Those planning for maternity and child care in future
Families looking for complete medical protection
VS
myHealth Medisure Super Top-up
A super top-up that pays eligible hospitalisation costs only after your aggregate deductible is met, with no sub-limit on room rent or ICU and cover for day care procedures.
What Makes It Special:
my:health Koti Suraksha delivers a ₹1 crore sum insured at a lower premium by accepting three restrictions in the base cover — a room category capped at a Single Standard AC Room, a ₹75,000 sub-limit on eight common procedures, and a mandatory 20% co-payment for lives with a pre-existing disease...
Best For:
Buyers prepared to pay for the waiver covers so a ₹1 crore cover works without room, procedure or co-payment restrictions
Buyers who already hold a base policy and can take the aggregate deductible to reduce premium further
Buyers in Tier 2 cities where a Single Standard AC Room is likely to fall within or close to the plan's room entitlement
Families wanting a wide relationship list on one individual sum insured policy, extending to siblings, in-laws, grandparents, nieces and nephews
Buyers who want a very high sum insured for catastrophic illness and are willing to accept caps on routine, lower-cost procedures
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
You like yearly sum insured bonuses
You want maternity and newborn benefits after 2 years
You prefer a private AC room without extra charges
You want flexible coverage up to ₹1 crore
The room entitlement is a Single Standard AC Room rather than a percentage of sum insured, so check what that category means at the hospitals you would use, since exceeding it can trigger deductions.
Opting for the aggregate deductible removes both the Cumulative Bonus and the Sum Insured Rebound, so weigh the premium saved against losing those two benefits.
If anyone insured is entering above age 60 or has a declared pre-existing disease, a 20% co-payment applies, so check whether the Waiver of Co-Payment costs less than the share you would otherwise bear.
The ₹75,000 sub-limit covers eight of the most commonly claimed procedures, including cataract, hernia and hysterectomy, so if these are a realistic prospect for anyone insured, the Waiver of Disease Capping is likely to matter more than the sum insured.
Price all three waiver covers — room rent, disease capping and co-payment — before comparing this plan against a conventional ₹1 crore policy, because the headline premium reflects the restrictions, not the unrestricted cover.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
HeartBeat Gold Health Insurance Plan VS VS |
![]() myHealth Medisure Super Top-up Health Insurance Plan |
| Room Rent | |
|---|---|
HeartBeat Gold
| |
VS VS | |
myHealth Medisure Super Top-up
|
| ICU Charges |
|---|
HeartBeat Gold No restriction on ICU room rent |
VS VS |
myHealth Medisure Super Top-up Covered within medical expenses; no separate ICU limit stated |
| Advanced Treatments |
|---|
HeartBeat Gold Covered up to Sum Insured |
VS VS |
myHealth Medisure Super Top-up
|
| Disease-wise sublimits |
|---|
HeartBeat Gold Yes |
VS VS |
myHealth Medisure Super Top-up Yes — a ₹75,000 sub-limit applies to each of cataract; surgery for benign tumours, cysts, nodules or polyps; stone in the urinary system; hernia-related procedures; appendectomy; hysterectomy; fissures, piles and fistulas; and cellulitis or abscess. Optional Waiver of Disease Capping deletes these sub-limits |
| Co-payment |
|---|
HeartBeat Gold Optional |
VS VS |
myHealth Medisure Super Top-up The HDFC My: Health Medisure Super Top-Up Plan has a co-payment clause of 10% for individuals aged 61 years and above at the time of policy purchase. |
| Restoration Benefit |
|---|
HeartBeat Gold 100% of base sum insured restored once every policy year for future claims |
VS VS |
myHealth Medisure Super Top-up Optional — Sum Insured Rebound adds an amount equal to the claim paid under the basic sum insured, up to a maximum of the basic sum insured, on subsequent hospitalisation in a policy year. A single claim cannot exceed the basic sum insured plus cumulative bonus earned; for chemotherapy and dialysis it applies only once in the policy lifetime; unused amounts do not carry forward; not available if aggregate deductible is opted |
| Cashless Healthcare Providers |
|---|
HeartBeat Gold 10000+ Healthcare Providers |
VS VS |
myHealth Medisure Super Top-up 16,000+ Healthcare providers. |
| Cumulative Bonus |
|---|
HeartBeat Gold Your sum insured increases by 10% every year, maximum up to 100% |
VS VS |
myHealth Medisure Super Top-up 10% of basic sum insured on each continuous renewal irrespective of claims, up to a maximum of 100%; not applicable if aggregate deductible is opted. Optional Cumulative Bonus Booster increases this to 50% per renewal, maximum 100% |
| Daycare Treatment |
|---|
HeartBeat Gold Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
myHealth Medisure Super Top-up Covered by the policy. |
| Consumable Cover |
|---|
HeartBeat Gold Yes |
VS VS |
myHealth Medisure Super Top-up Optional — Non-Medical Expenses Cover pays non-medical expenses up to 5% of the admissible claim amount under the hospitalisation section |
| AYUSH Treatment |
|---|
HeartBeat Gold Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
myHealth Medisure Super Top-up Covered in the policy. |
| Initial Waiting Period |
|---|
HeartBeat Gold 90 days. |
VS VS |
myHealth Medisure Super Top-up 30 days, except claims arising from an accident |
| Specific Waiting Period |
|---|
HeartBeat Gold 2 years |
VS VS |
myHealth Medisure Super Top-up 24 months for specified illnesses and surgical procedures |
| PED Waiting Period |
|---|
HeartBeat Gold 3 years |
VS VS |
myHealth Medisure Super Top-up 36 months; optional Waiting Period Modification reduces it to 24 months |
| Modern Treatment |
|---|
HeartBeat Gold Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
myHealth Medisure Super Top-up Not specified |
| Annual Health Checkup |
|---|
HeartBeat Gold Health check-up is available once every policy year, from day 1 of the policy |
VS VS |
myHealth Medisure Super Top-up Preventive health check-up after completion of each policy year or at renewal at a network provider, covering a listed panel including chest X-ray, 2D echo or stress test, PSA for males, PAP smear for females, medical examination report, complete blood count, urine routine, fasting blood sugar, lipid profile and ECG. The benefit is not carried forward if not used within 60 days of the policy anniversary |
| Pre-Hospitalisation |
|---|
HeartBeat Gold You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
VS VS |
myHealth Medisure Super Top-up Information Unavailable |
| Post-Hospitalisation |
|---|
HeartBeat Gold You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it |
VS VS |
myHealth Medisure Super Top-up 180 days after discharge |
| Outpatient Department Cover (OPD Expense) |
|---|
HeartBeat Gold OPD expenses are not available |
VS VS |
myHealth Medisure Super Top-up Not covered. Wellness services include discounts on OPD, pharmaceuticals, pharmacy and diagnostic centres, which are discounts rather than cover |
| Deductible Option |
|---|
HeartBeat Gold Available as an option |
VS VS |
myHealth Medisure Super Top-up Optional — Aggregate Deductible. The insured bears the opted amount across all admissible claims in a policy year before the insurer's liability begins. Opting for it removes the Cumulative Bonus and the Sum Insured Rebound |
| Coverage Options |
|---|
HeartBeat Gold Available coverage options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹30L, ₹1Cr |
VS VS |
myHealth Medisure Super Top-up Individual sum insured or floater sum insured |
| Claim Settlement Ratio |
|---|
HeartBeat Gold 92.02% |
VS VS |
myHealth Medisure Super Top-up 97.43% |
| Maternity Cover |
|---|
HeartBeat Gold Available with capping based on base sum insured. |
VS VS |
myHealth Medisure Super Top-up Not covered — maternity and medical treatment expenses traceable to childbirth are permanently excluded |
Insurance Plans Comparison
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Insurance Plans Comparison
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Frequently Asked Questions (FAQs)
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