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Insurance Plans Comparison

Niva Bupa HeartBeat Enhanced vs ICICI Lombard Health Elite

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

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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 Elite

Include maternity after 3 years and outpatient treatment, pay hospital daily cash for a stay of at least 3 days, and add a 10% cumulative bonus each claim-free year, up to 50% of the sum insured.

What Makes It Special:

ICICI Lombard Health Elite is a comprehensive health insurance option with benefits that may include in-patient treatment, daycare procedures, pre- and post-hospitalisation expenses, outpatient treatment and maternity cover, depending on the applicable policy version and selected configuration.

Best For:

  • Buyers comparing sum insured options, reset benefits, waiting periods and policy-specific restrictions before choosing a plan.

  • Families evaluating maternity and newborn-related benefits, subject to eligibility and waiting periods.

  • Individuals who want to compare available outpatient treatment benefits and their applicable limits.

  • Buyers looking for a policy with additional healthcare benefits beyond basic hospitalisation cover.

  • Individuals seeking health insurance for eligible hospitalisation and daycare 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 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 Elite

  • Match the policy UIN and schedule to the exact Health Elite version being offered, because benefits may differ between versions.

  • Confirm whether outpatient treatment, maternity and newborn benefits are included in your chosen configuration and check their limits.

  • Review waiting periods for pre-existing diseases, specified treatments and maternity benefits before relying on the policy.

  • Check room eligibility, hospitalisation limits and exclusions to understand the expenses the policy may leave you paying.

  • Choose a sum insured that reflects potential hospitalisation expenses and the number of people covered.

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 Elite
Health Elite

Health Insurance Plan

Brochure

Policy Wording

Room Rent

HeartBeat Enhanced

Enhanced-specific room category or limit not established.

VS

Health Elite

Information Unavailable

ICU Charges

HeartBeat Enhanced

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



VS

Health Elite

Covered under eligible in-patient hospitalisation, subject to the applicable sum insured and policy conditions.

Advanced Treatments

HeartBeat Enhanced

Information Unavailable

VS

Health Elite

  1. Stem Cell Therapy
  2. Robotic Surgeries
  3. Oral Chemotherapy
  4. Deep Brain Stimulation
  5. Bronchial Thermoplasty
  6. Intra Operative Neuro Monitoring (IONM)
Disease-wise sublimits

HeartBeat Enhanced

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

VS

Health Elite

Specific limits depend on the applicable policy wording, sum insured and benefit configuration. A complete variant-specific list has not been verified.

Co-payment

HeartBeat Enhanced

Enhanced-specific co-payment terms not established.

VS

Health Elite

Policyholders can opt for a co-payment of 10% or 20%, sharing a fixed percentage of the claim amount, which can help reduce premium costs.

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 Elite

Access to over 6,700 network hospitals and clinics for cashless treatments, ensuring convenient and hassle-free medical care.

Restoration Benefit

HeartBeat Enhanced

Enhanced-specific restoration entitlement and limits not established.

VS

Health Elite

Published Health Elite materials list an unlimited reset benefit. The precise trigger, eligible claims and conditions must be confirmed against the applicable policy wording.

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 Elite

Covers medical procedures requiring less than 24-hour hospitalization, such as cataract surgery and chemotherapy, accommodating treatments that don't necessitate extended hospital stays.

Cumulative Bonus

HeartBeat Enhanced

Variant-specific benefit and limit not established for “Enhanced

VS

Health Elite

Published Health Elite materials list Additional Sum Insured and a Super No Claim Bonus option. The applicable benefit percentage and conditions are not verified for this variant.

Consumable Cover

HeartBeat Enhanced

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

VS

Health Elite

Published Health Elite materials list Additional Sum Insured and a Super No Claim Bonus option. The applicable benefit percentage and conditions are not verified for this variant.

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 Elite

Expenses for alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered when availed at government-recognized institutions, promoting holistic healthcare options.

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 Elite

The insurer's general health insurance information states 30 days for illness-related hospitalisation, except accidents. Confirm the exact Health Elite policy terms.

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 Elite

The exact waiting period for specified diseases and procedures is not verified for this variant.

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 Elite

The exact waiting period for specified diseases and procedures is not verified for this variant.

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 Elite

Listed as a covered category in the older Complete Health Insurance policy information, subject to the applicable policy terms and limits.

Annual Health Checkup

HeartBeat Enhanced

Enhanced-specific entitlement and limits not established.

VS

Health Elite

Health check-up is listed in published Health Elite materials. Eligibility, frequency and monetary limits are not verified for this exact variant.

Pre-Hospitalisation

HeartBeat Enhanced

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

VS

Health Elite

Up to 30 days according to the published Health Elite product comparison, 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 Elite

Up to 60 days according to the published Health Elite product comparison, subject to policy terms.

Outpatient Department Cover (OPD Expense)

HeartBeat Enhanced

Enhanced-specific OPD benefit not established

VS

Health Elite

Outpatient Treatment Cover is listed in published Health Elite materials. The limit depends on the applicable sum insured and policy configuration.

Deductible Option

HeartBeat Enhanced

No Enhanced-specific deductible option established.

VS

Health Elite

A voluntary deductible may be available under applicable ICICI Lombard health products, but its availability for this Health Elite variant is not verified.

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 Elite

Information Unavailable

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 Elite

FY 24-25: ~84%

Maternity Cover

HeartBeat Enhanced

Enhanced-specific maternity benefit not established

VS

Health Elite

Published materials list multiple sum insured options, including ₹5 lakh, ₹7 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh, ₹25 lakh and ₹50 lakh. Availability varies by policy version.

Insurance Plans Comparison

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Why Choose Our Expert Consultation?

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

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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

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  • 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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