Oneassure

Partner with us

Insurance Plans Comparison

Niva Bupa HeartBeat Enhanced vs ICICI Lombard Health Booster

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

Read more
Niva Bupa

HeartBeat Enhanced

HeartBeat Enhanced Explore Niva Bupa HeartBeat health insurance, including hospitalisation benefits, wellness features and optional coverage, subject to the selected plan and policy terms.

What Makes It Special:

Comprehensive health insurance

Best For:

  • Customers considering international emergency protection: The Platinum plan offers an optional Enhanced Geographical Scope for International Coverage add-on that extends specified benefits to the USA and Canada.

  • People comparing wellness and additional benefits: HeartBeat documentation includes health check-ups and other benefits, with eligibility and limits depending on the plan.

  • Customers who value pre- and post-hospitalisation cover: The current product wording provides 60 days before hospitalisation and 90 days after discharge, subject to an admissible claim.

  • People looking for hospitalisation cover: The product covers eligible inpatient treatment and specified related medical expenses, subject to policy conditions.

  • Families seeking health insurance: HeartBeat offers documented Individual, Family Floater and Family First structures, depending on the plan.

VS
ICICI Lombard

Health Booster

Buy a super top-up that pays hospital bills above a deductible of ₹3 lakh, ₹4 lakh or ₹5 lakh, with a sum insured from ₹5 lakh to ₹50 lakh, inpatient AYUSH cover and a once-a-year reset for an unrelated illness.

What Makes It Special:

Health Booster is a deductible-based health insurance product designed to provide additional financial protection when eligible hospitalisation expenses exceed the selected deductible. Its value depends on the relationship between the deductible, the available sum insured and the coverage provided by the policyholder's primary health insurance. Waiting periods, eligible expenses, exclusions...

Best For:

  • People who are comfortable checking waiting periods, exclusions and deductible conditions before purchasing additional cover.

  • Buyers comparing a top-up plan with a super top-up plan who want to understand how the deductible is applied to claims.

  • Families looking to increase their overall potential health insurance protection without relying entirely on a single base policy.

  • Buyers who can manage expenses up to the deductible and want cover for eligible expenses above that amount.

  • People who already have health insurance and want additional protection against large medical bills.

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

Niva Bupa HeartBeat Enhanced

  • Assess whether the international coverage add-on is relevant: The enhanced geographical scope is an optional Platinum benefit for specified international coverage. Confirm the exclusions and terms before choosing it.

  • Evaluate family and maternity requirements: Review the eligibility conditions, waiting periods and limits for maternity and newborn benefits where available.

  • Review room eligibility and cost-sharing: Check room limits, geographical pricing and any applicable co-payment before selecting a plan.

  • Check pre-existing disease waiting periods: The current documentation specifies 24 months for Gold and Platinum and 36 months for Silver.

  • Compare the documented plan options: Review Silver, Gold and Platinum against your required Sum Insured, eligibility and benefit limits.

ICICI Lombard Health Booster

  • Before buying, compare the premium, deductible, sum insured and claim conditions with the cost of increasing your existing base policy.

  • If you expect to claim for a specific treatment, verify that the treatment is covered and that its waiting period and exclusions are satisfied.

  • If you have a pre-existing disease, check that it has been disclosed and accepted and understand the applicable waiting period before relying on the cover.

  • If you may have several hospitalisation claims in one year, confirm whether the deductible applies per claim or on an aggregate basis under your specific policy version.

  • If you already have a base health policy, compare its sum insured with the Health Booster deductible to identify any potential coverage gap.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

HeartBeat Enhanced
HeartBeat Enhanced

Health Insurance Plan

Brochure

VS
Health Booster
Health Booster

Health Insurance Plan

Brochure

Room Rent

HeartBeat Enhanced

Enhanced-specific room category or limit not established.

VS

Health Booster

  1. Normal: Single private A/C room
  2. ICU: No limit, expenses incurred would be covered by the policy.
ICU Charges

HeartBeat Enhanced

Variant-specific limit not established for “Enhanced”. Refer to the confirmed plan's policy wording.



VS

Health Booster

Information Unavailable

Advanced Treatments

HeartBeat Enhanced

Information Unavailable

VS

Health Booster

  1. Uterine Artery Embolization and HIFU (High intensity focused ultrasound) 
  2. Immunotherapy- Monoclonal Antibody to be given as injection 
  3.  Vaporization of the prostrate (Green laser treatment or holmium laser treatment) 
  4. Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions
  5.  Balloon Sinuplasty 
  6. Oral Chemotherapy and many more
Disease-wise sublimits

HeartBeat Enhanced

Enhanced-specific sublimits not established. Check the confirmed plan's benefit table and policy wording.

VS

Health Booster

No comprehensive disease-wise sublimit list has been confirmed for the referenced policy wording. Check the policy schedule and applicable benefit conditions.

Co-payment

HeartBeat Enhanced

Enhanced-specific co-payment terms not established.

VS

Health Booster

This does not apply if the insured is 60 years of age or below. However, this condition will not be applicable if you were aged 45 years or below at the time of buying this policy for the first time and have renewed it continuously after that.

Cashless Healthcare Providers

HeartBeat Enhanced

The HeartBeat brochure refers to a network of 10,000+ hospitals. This is a product-level network statement, not an Enhanced-specific count. Network participation can change.

VS

Health Booster

10,896 cashless healthcare

Restoration Benefit

HeartBeat Enhanced

Enhanced-specific restoration entitlement and limits not established.

VS

Health Booster

Information Unavailable

Daycare Treatment

HeartBeat Enhanced

HeartBeat product-level wording covers listed day-care treatments subject to policy terms. Enhanced-specific applicability is not established.

VS

Health Booster

150 medical expenses incurred by you while undergoing Specified Day Care Treatment, which require less than 24 hours hospitalization are covered by the policy.

Cumulative Bonus

HeartBeat Enhanced

Variant-specific benefit and limit not established for “Enhanced

VS

Health Booster

Additional Sum Insured increases by 10% of the base sum insured for each claim-free policy year, up to 50%. A claim in a subsequent policy period reduces the accrued amount by 10% of the sum insured at renewal.

Consumable Cover

HeartBeat Enhanced

Variant-specific coverage not established for “Enhanced”. Check the applicable policy terms and exclusions.

VS

Health Booster

Not verified as a standard benefit for this policy version.

AYUSH Treatment

HeartBeat Enhanced

HeartBeat product-level wording provides AYUSH treatment cover up to the Sum Insured, subject to policy terms. Enhanced-specific applicability is not established.

VS

Health Booster

Covered by the policy..

Initial Waiting Period

HeartBeat Enhanced

HeartBeat product-level waiting period: 30 days for illnesses, with accidents covered from day one, subject to policy terms. Not confirmed as an Enhanced-specific value.

VS

Health Booster

Subject to policy wording and applicable exceptions. Confirm the applicable schedule before publishing a definitive duration.

Specific Waiting Period

HeartBeat Enhanced

HeartBeat product-level wording specifies a 24-month waiting period for specified conditions for insured persons above 45 at entry. Confirm applicability against the actual policy schedule and terms.

VS

Health Booster

2 years for specified diseases and procedures, subject to policy terms.

PED Waiting Period

HeartBeat Enhanced

HeartBeat product-level waiting period: 24 months for Gold and Platinum; 36 months for Silver. No separate Enhanced plan has been established.

VS

Health Booster

2 years for pre-existing diseases declared and accepted by the insurer.

Modern Treatment

HeartBeat Enhanced

HeartBeat product-level benefit: listed modern treatments are covered subject to the policy terms and applicable limits. Exact limit for an “Enhanced” variant is not established

VS

Health Booster

Covered subject to the sum insured, deductible and policy terms.

Annual Health Checkup

HeartBeat Enhanced

Enhanced-specific entitlement and limits not established.

VS

Health Booster

Not confirmed for the policy wording referenced here.

Pre-Hospitalisation

HeartBeat Enhanced

HeartBeat product-level cover: 60 days, subject to policy terms. Enhanced-specific applicability is not established.

VS

Health Booster

Eligible medical expenses are covered for up to 60 days before hospitalisation, subject to policy terms.

Post-Hospitalisation

HeartBeat Enhanced

HeartBeat product-level cover: 90 days, subject to policy terms. Enhanced-specific applicability is not established.

VS

Health Booster

Eligible medical expenses are covered for up to 90 days after hospitalisation, subject to policy terms.

Outpatient Department Cover (OPD Expense)

HeartBeat Enhanced

Enhanced-specific OPD benefit not established

VS

Health Booster

Routine outpatient consultations and treatment are not listed as a standard base-cover benefit.

Deductible Option

HeartBeat Enhanced

No Enhanced-specific deductible option established.

VS

Health Booster

A deductible applies before eligible hospitalisation claims become payable. The selected amount and its application are specified in the policy schedule. Under the Super Top-up structure, the deductible applies to aggregate hospitalisation expenses during the policy year.

Coverage Options

HeartBeat Enhanced

Official HeartBeat plan names are Silver, Gold and Platinum. Available policy structures include Individual, Family Floater and Family First, subject to the applicable plan terms.

VS

Health Booster

Available as a Super Top-up health insurance plan, with the selected sum insured, deductible and individual or floater configuration specified in the policy schedule.

Claim Settlement Ratio

HeartBeat Enhanced

, according to Niva Bupa's product-level public disclosure. This is a product-level figure, not a separate Enhanced-variant figure.

VS

Health Booster

FY 24-25: ~84%

Maternity Cover

HeartBeat Enhanced

Enhanced-specific maternity benefit not established

VS

Health Booster

Not listed as a standard benefit in the referenced policy wording.

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?

End-to-End Support

End-to-End Support

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

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

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

24/7 Claim Assistance

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.

1-5 of 10 FAQs

Compare With Other Health Insurance Plans

HeartBeat Enhanced vs Supreme Senior Premium

HeartBeat Enhanced vs Energy Silver Without Copay

HeartBeat Enhanced vs Ultimate

HeartBeat Enhanced vs EquiCover

HeartBeat Enhanced vs Optima Secure Global Plus

Health Booster vs Supreme Senior Premium

Health Booster vs Energy Silver Without Copay

Health Booster vs Ultimate

Health Booster vs EquiCover

Health Booster vs Optima Secure Global Plus

Oneassure

Health Insurance

Compare Health Insurance Plans

Heartbeat Enhanced Vs Health Booster

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.