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Insurance Plans Comparison

Niva Bupa HeartBeat Gold vs ICICI Lombard Health Elite Plus

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

Health Elite Plus

Get a single private room and reset up to 100% of the sum insured once for the same illness and unlimited times for a different illness, with a 20% loyalty bonus up to 100% that stays after a claim.

What Makes It Special:

ICICI Lombard Health Elite Plus offers an unlimited reset benefit that can replenish up to 100% of the base sum insured when the available cover becomes insufficient after previous claims. It can be used unlimited times for different illnesses and once for the same illness, subject to policy conditions. The plan...

Best For:

  • Buyers who want the option to add specific benefits, such as worldwide hospitalisation cover or outpatient services, subject to eligibility and additional premium.

  • Customers seeking benefits such as donor expenses, domiciliary hospitalisation and air ambulance cover.

  • People who value a guaranteed cumulative bonus that can increase their available cover over time.

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

  • Individuals or families looking for a health insurance plan with multiple sum insured options.

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 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 Health Elite Plus

  • If you need worldwide cover or other add-ons, confirm their availability, waiting periods, limits and additional premium before purchasing.

  • If you opt for voluntary co-payment or treatment outside your selected pricing zone, account for the applicable out-of-pocket share.

  • If you expect to use outpatient services, confirm whether the optional BeFit cover is selected and what its specific limits include.

  • If you have a pre-existing condition, check the 24-month waiting period and disclose your medical history accurately.

  • Choose a sum insured that fits your expected medical costs and check how room eligibility changes at the ₹20 lakh threshold.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

HeartBeat Gold
HeartBeat Gold

Health Insurance Plan

Brochure

VS
Health Elite Plus
Health Elite Plus

Health Insurance Plan

Brochure

Policy Wording

Room Rent

HeartBeat Gold

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

Health Elite Plus

  1. Normal: Covered Up to Sum Insured
  2. ICU: Covered up to sum insured
ICU Charges

HeartBeat Gold

No restriction on ICU room rent

VS

Health Elite Plus

Not verified for the exact current variant configuration.

Advanced Treatments

HeartBeat Gold

Covered up to Sum Insured

VS

Health Elite Plus

  1. Oral chemotherapy
  2. Robotic surgeries
  3. Stem cell therapy
Disease-wise sublimits

HeartBeat Gold

Yes

VS

Health Elite Plus

Cataract treatment is limited to 10% of the sum insured, up to ₹1 lakh per eye, after the applicable two-year period. Other applicable limits and exclusions must be checked in the policy wording.

Co-payment

HeartBeat Gold

Optional

VS

Health Elite Plus

Insured can choose 10% or 20% co-payment, allowing cost-sharing for lower premium expenses.

Restoration Benefit

HeartBeat Gold

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

VS

Health Elite Plus

Reset of up to 100% of the base sum insured, unlimited times for different illnesses and once for the same illness. It does not trigger on the first claim and is subject to the policy conditions.

Cashless Healthcare Providers

HeartBeat Gold

10000+ Healthcare Providers

VS

Health Elite Plus

10,000+ Cashless Healthcare Providers

Cumulative Bonus

HeartBeat Gold

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

VS

Health Elite Plus

Loyalty bonus is described in the available policy information; current applicable rate and maximum require verification.

Daycare Treatment

HeartBeat Gold

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

VS

Health Elite Plus

Covers procedures requiring less than 24-hour hospitalization, like cataract surgery and chemotherapy.

Consumable Cover

HeartBeat Gold

Yes

VS

Health Elite Plus

Not verified as a standard benefit for the exact current variant.

AYUSH Treatment

HeartBeat Gold

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

VS

Health Elite Plus

Coverage for Ayurveda, Yoga, Unani, Siddha, and Homeopathy at government-recognized institutions.

Initial Waiting Period

HeartBeat Gold

90 days.

VS

Health Elite Plus

30 days for illnesses from the start of the policy; accidents are excluded from this waiting-period restriction.

Specific Waiting Period

HeartBeat Gold

2 years

VS

Health Elite Plus

24 months for specified diseases and procedures listed in the policy.

PED Waiting Period

HeartBeat Gold

3 years

VS

Health Elite Plus

24 months for declared and accepted pre-existing diseases, subject to policy terms and applicable portability rules.

Modern Treatment

HeartBeat Gold

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

VS

Health Elite Plus

Covered up to the annual sum insured, subject to policy terms and exclusions.

Annual Health Checkup

HeartBeat Gold

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

VS

Health Elite Plus

Preventive health check-up available at designated centres, subject to policy conditions.

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

Health Elite Plus

60 days


Post-Hospitalisation

HeartBeat Gold

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

VS

Health Elite Plus

180 days.

Outpatient Department Cover (OPD Expense)

HeartBeat Gold

OPD expenses are not available

VS

Health Elite Plus

Not included as a general unlimited standard benefit. Optional BeFit provides specified outpatient consultations and related benefits on a cashless basis, according to the selected plan.

Deductible Option

HeartBeat Gold

Available as an option

VS

Health Elite Plus

No deductible option.

Coverage Options

HeartBeat Gold

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

VS

Health Elite Plus

Individual and family floater options, with sum insured options from ₹5 lakh to ₹3 crore.

Claim Settlement Ratio

HeartBeat Gold

92.02%

VS

Health Elite Plus

Information Unavailable

Maternity Cover

HeartBeat Gold

Available with capping based on base sum insured.

VS

Health Elite Plus

Childbirth-related medical expenses are excluded, except ectopic pregnancy, as stated in the exclusions.

Insurance Plans Comparison

Still Confused? Get Expert Advice

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Why Choose Our Expert Consultation?

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Free 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.

1-5 of 10 FAQs

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