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Insurance Plans Comparison

Niva Bupa HeartBeat Gold vs ICICI Lombard Golden Shield

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

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Niva Bupa

HeartBeat 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
ICICI Lombard

Golden Shield

Cover hospital care for seniors, with a twin-sharing room below ₹10 lakh and a single private AC room from ₹10 lakh, a 50% co-pay on every admissible claim, and 60 days before admission plus 180 days after discharge.

What Makes It Special:

ICICI Lombard Golden Shield is designed for senior citizens and offers hospitalisation cover through individual and family floater options. Benefits include inpatient treatment, daycare procedures, AYUSH hospitalisation, pre- and post-hospitalisation expenses, domiciliary treatment and a Reset Benefit. The policy also offers a Loyalty Bonus and optional features such as Claim...

Best For:

  • Buyers seeking additional features such as Claim Protector or Care Management Plus, subject to availability and eligibility.

  • Customers who want to evaluate options for reducing the policy's standard co-payment.

  • Buyers who want a reset feature for eligible subsequent hospitalisation claims.

  • Older couples looking for a shared family floater or individual cover options.

  • Senior citizens seeking health insurance for eligible hospitalisation expenses.

Insurance Plans Comparison

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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

Niva Bupa HeartBeat Gold

  • 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

ICICI Lombard Golden Shield

  • Compare the disease-specific sublimits with your healthcare needs, especially for cataract, cardiovascular treatment, cancer and renal conditions.

  • Review the 24-month PED and specified-disease waiting periods, along with the separate 90-day exclusion for hypertension, diabetes and cardiac conditions.

  • Check the room category linked to your sum insured to avoid unexpected proportionate deductions.

  • Review the base 50% co-payment carefully and compare the additional premium for reducing it to 40%, 30% or 20%.

  • Select a sum insured based on expected medical expenses and confirm that the desired option is available for your age and health profile.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

HeartBeat Gold
HeartBeat Gold

Health Insurance Plan

Brochure

VS
Golden Shield
Golden Shield

Health Insurance Plan

Brochure

Room Rent

HeartBeat Gold

Covered up to Sum Insured (except for Suite or above room category)
VS

Golden Shield

ICICI Lombard's Health Shield plan offers comprehensive coverage with no specific capping on room rent or ICU charges.

ICU Charges

HeartBeat Gold

No restriction on ICU room rent

VS

Golden Shield

Covered under eligible inpatient hospitalisation, subject to the annual sum insured and applicable policy conditions.

Advanced Treatments

HeartBeat Gold

Covered up to Sum Insured

VS

Golden Shield

The plan covers advanced treatments like robotic surgeries, immunotherapy, oral chemotherapy, stem cell therapy, and minimally invasive procedures for various conditions.

Disease-wise sublimits

HeartBeat Gold

Yes

VS

Golden Shield

Yes. Cataract and specified cardiovascular, cerebrovascular, cancer, renal, long-bone/joint and robotic-surgery treatments have limits that vary by sum insured.

Co-payment

HeartBeat Gold

Optional

VS

Golden Shield

The ICICI Lombard Golden Shield plan includes a mandatory 50% co-payment, meaning policyholders are responsible for half of the admissible claim amount, while the insurer covers the remaining 50%. This co-payment applies to all claims made under the policy.

Restoration Benefit

HeartBeat Gold

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

VS

Golden Shield

Unlimited Reset Benefit of up to 100% of the annual sum insured for eligible subsequent claims. It does not apply to the first claim and has restrictions for the same illness or related complications.

Cashless Healthcare Providers

HeartBeat Gold

10000+ Healthcare Providers

VS

Golden Shield

10,896+ hospitals across India.

Cumulative Bonus

HeartBeat Gold

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

VS

Golden Shield

Loyalty Bonus accumulates under the policy's renewal rules; accrued bonus is not reduced merely because a claim is made.

Daycare Treatment

HeartBeat Gold

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

VS

Golden Shield

Covered under the policy. 

Consumable Cover

HeartBeat Gold

Yes

VS

Golden Shield

Claim Protector is available as an optional cover for eligible non-medical items associated with an accepted inpatient claim.

AYUSH Treatment

HeartBeat Gold

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

VS

Golden Shield

Covered under this policy

Initial Waiting Period

HeartBeat Gold

90 days.

VS

Golden Shield

30 days for illnesses, except covered accident-related hospitalisation.

Specific Waiting Period

HeartBeat Gold

2 years

VS

Golden Shield

24 months for listed diseases and procedures.

PED Waiting Period

HeartBeat Gold

3 years

VS

Golden Shield

24 months of continuous coverage for declared and accepted pre-existing diseases.

Modern Treatment

HeartBeat Gold

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

VS

Golden Shield

Listed modern treatments are covered up to the annual sum insured, subject to specified sublimits.

Annual Health Checkup

HeartBeat Gold

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

VS

Golden Shield

Information Unavailable

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

Golden Shield

60 days before hospitalisation, subject to policy terms and the accepted inpatient claim.

Post-Hospitalisation

HeartBeat Gold

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

VS

Golden Shield

Up to 7% of hospitalisation expenses, subject to a maximum of ₹5,000 for ₹3–5 lakh sum insured, ₹7,000 for ₹10–15 lakh, and ₹10,000 for ₹20–50 lakh.

Outpatient Department Cover (OPD Expense)

HeartBeat Gold

OPD expenses are not available

VS

Golden Shield

Not included as a general standard reimbursement benefit. Outpatient consultations may be available through the optional Care Management Plus Program.

Deductible Option

HeartBeat Gold

Available as an option

VS

Golden Shield

Optional voluntary deductible of 20% of the annual sum insured, applied on an aggregate basis during the policy year.

Coverage Options

HeartBeat Gold

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

VS

Golden Shield

Individual or family floater; optional Claim Protector, reduced co-payment, voluntary deductible and Care Management Plus Program.

Claim Settlement Ratio

HeartBeat Gold

92.02%

VS

Golden Shield

FY 24-25: ~84%

Maternity Cover

HeartBeat Gold

Available with capping based on base sum insured.

VS

Golden Shield

Not covered under this senior-citizen-focused plan.

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.

Why Choose Our Expert Consultation?

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

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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

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

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

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.

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