How does OneAssure help me compare health insurance policies and choose the best plan?

OneAssure allows you to compare multiple health insurance policies side by side, analyzing coverage, premiums, hospital networks, and benefits to choose the most suitable plan for your needs.

What is the difference between cashless and reimbursement claims in health insurance policies?

Cashless claims let you get treatment at network hospitals without paying upfront, while reimbursement claims require you to pay first and get refunded later.

Does OneAssure provide expert guidance while selecting health insurance with maternity or newborn coverage?

Yes, OneAssure’s insurance experts guide you in selecting plans with maternity benefits, newborn cover, and short waiting periods for family planning needs.

How do co-payment clauses impact health insurance premiums and claim settlements?

Co-payment means you share a part of the claim cost. Opting for co-pay lowers your premium but increases your out-of-pocket expenses.

Which health insurance plan offers the best coverage for critical illnesses and pre-existing diseases?

Plans with comprehensive coverage, minimal waiting periods, and optional critical illness riders are ideal. OneAssure helps identify policies that best meet these requirements.

Can I compare waiting periods and sub-limits for hospitalisation expenses on OneAssure?

Yes, OneAssure’s comparison tool highlights waiting periods, sub-limits, and exclusions so you can choose a policy that maximizes benefits and minimizes restrictions.

What are room rent limits in health insurance, and how do they affect claims?

Room rent limits cap the daily room cost covered by your insurer. Choosing a plan without strict limits ensures higher claim payouts.

Does OneAssure assist with health insurance claims and renewals after I purchase a policy?

Absolutely. OneAssure provides end-to-end support for claims, renewals, and queries, ensuring a hassle-free experience throughout your policy tenure.

How can I check if a health insurance plan covers daycare procedures and modern treatments?

OneAssure’s policy comparison clearly lists daycare and advanced treatment coverage, helping you pick a plan aligned with your healthcare needs.

What documents are needed to buy and claim a health insurance policy online via OneAssure?

To buy a policy, you need ID proof, address proof, and medical details. For claims, hospital bills, prescriptions, and discharge summaries are required.

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Health Insurance

Compare Health Insurance Plans

Health Elite Vs Heartbeat Platinum

Insurance Plans Comparison

ICICI Lombard Health Elite vs Niva Bupa HeartBeat Platinum

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare coverage, benefits, and premiums to find the perfect plan for your needs.

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

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.

VS

HeartBeat Platinum

Niva Bupa Heartbeat Platinum Plan Health cover from ₹15 lakh to ₹1 crore with OPD benefits, maternity cover, international emergency protection and up to 100% Loyalty Additions.

What Makes It Special:

Premium family health insurance with OPD benefits, international emergency coverage, maternity and newborn benefits, annual health check-ups, a 24-month pre-existing disease waiting period and Loyalty Additions of up to 100%.

Best For:

Customers who value additional benefits beyond hospitalisation: Platinum includes annual health check-ups, second medical opinions for specified conditions or procedures, Loyalty Additions and a Re-fill benefit.
People who want international emergency protection: The plan includes specified international emergency benefits, with an optional enhanced geographical scope for the USA and Canada.
Couples planning to have children: Eligible policy structures include maternity benefits, newborn cover and first-year vaccinations, subject to waiting periods and limits.
People who use outpatient healthcare regularly: The plan includes OPD treatment, diagnostic tests and prescribed medicines within the applicable annual limit.
Families seeking higher health cover: Platinum offers Individual/Family Floater Sum Insured options from ₹15 lakh to ₹1 crore, helping families plan for potentially expensive hospitalisation.

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.

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Quick Decision Guide

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.

Niva Bupa HeartBeat Platinum

Compare optional costs and policy limits: Evaluate deductibles, voluntary co-payment, room eligibility, disease sublimits and the Re-fill conditions. A lower premium may mean paying more out of pocket when making a claim.
Choose your geographical coverage carefully: Review Zone 1 and Zone 2 pricing and understand where the 20% co-payment applies. If international protection matters, check the optional USA and Canada geographical enhancement and its exclusions.
Read the maternity and newborn conditions: Check the applicable waiting period, maternity limit, eligible policy structure and newborn benefits before choosing the plan.
Calculate your likely OPD expenses: Compare the annual OPD limit with your expected spending on consultations, diagnostics and prescribed medicines. Review the carry-forward conditions and eligible expenses in the policy wording.
Select the right Sum Insured: Compare ₹15 lakh, ₹20 lakh, ₹50 lakh and ₹1 crore options against your family's medical needs, location and budget. Family First Platinum uses a different per-person and floater structure.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Elite

Health Insurance Plan

Brochure

Policy Wording

VS

HeartBeat Platinum

Health Insurance Plan

Brochure

Room Rent
Health Elite Information Unavailable	HeartBeat Platinum Covered up to Sum Insured for eligible room categories, excluding Suite or higher categories.

Advanced Treatments
Health Elite Stem Cell Therapy Robotic Surgeries Oral Chemotherapy Deep Brain Stimulation Bronchial Thermoplasty Intra Operative Neuro Monitoring (IONM)	HeartBeat Platinum Information Unavailable

ICU Charges
Health Elite Covered under eligible in-patient hospitalisation, subject to the applicable sum insured and policy conditions.	HeartBeat Platinum Covered up to Sum Insured as part of inpatient care, subject to policy terms.

Co-payment
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.	HeartBeat Platinum No mandatory co-payment with Zone 1 pricing, which offers all-India coverage. Under Zone 2 pricing, a 20% co-payment applies to treatment in Mumbai, including Navi Mumbai and Thane, Delhi NCR, Kolkata and Gujarat. Optional voluntary co-payment of 10% or 20% is available for a premium discount.

Disease-wise sublimits
Health Elite Specific limits depend on the applicable policy wording, sum insured and benefit configuration. A complete variant-specific list has not been verified.	HeartBeat Platinum HIV/AIDS: up to ₹50,000 after a 4-year waiting period. Mental disorder treatment: covered up to SI, with a ₹50,000 sublimit for specified conditions after a 3-year waiting period. Maternity limits apply as listed above. Non-network emergency ambulance: up to ₹2,000 per event; network ambulance: up to SI.

Cashless Healthcare Providers
Health Elite Access to over 6,700 network hospitals and clinics for cashless treatments, ensuring convenient and hassle-free medical care.	HeartBeat Platinum Cashless treatment is available at Niva Bupa network hospitals. The HeartBeat brochure refers to 10,000+ hospitals, an approximate network figure. Niva Bupa also advertises a 30-minute cashless pre-authorisation commitment, subject to the applicable process and required documents.

Restoration Benefit
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.	HeartBeat Platinum Re-fill Benefit: once per policy year, up to 100% of Base SI when Base SI and Loyalty Additions are partly or fully used. It can be used for subsequent claims for the same or a different illness, subject to policy conditions. The benefit is not available under Family First.

Daycare Treatment
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.	HeartBeat Platinum All eligible day-care treatments are covered up to Sum Insured, subject to policy terms.

Cumulative Bonus
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.	HeartBeat Platinum Loyalty Additions increase the expiring Base Sum Insured by 10% at each renewal, up to a maximum of 100% of Base SI, irrespective of claims. The increase does not raise benefit sublimits

AYUSH Treatment
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.	HeartBeat Platinum Covers eligible inpatient treatment under Ayurveda, Unani, Siddha and Homeopathy up to Sum Insured, subject to policy terms.

Consumable Cover
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.	HeartBeat Platinum Allowable consumables during hospitalisation are covered. Items included in the applicable non-payable list are excluded.

Initial Waiting Period
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.	HeartBeat Platinum 30 days for illnesses. Accidents are covered from day one. The initial waiting period is waived for insured persons with 12 or more months of continuous coverage, subject to policy terms.

Specific Waiting Period
Health Elite The exact waiting period for specified diseases and procedures is not verified for this variant.	HeartBeat Platinum 24 months for listed conditions such as cataract, hernia, joint replacement, piles and stones. This applies only to insured persons above 45 years at first policy inception. No specific waiting period applies to those aged 45 or below at entry.

PED Waiting Period
Health Elite The exact waiting period for specified diseases and procedures is not verified for this variant.	HeartBeat Platinum 24 months of continuous coverage for declared pre-existing diseases.

Modern Treatment
Health Elite Listed as a covered category in the older Complete Health Insurance policy information, subject to the applicable policy terms and limits.	HeartBeat Platinum Covers 12 listed modern treatments, including robotic surgery, oral chemotherapy, immunotherapy and stem cell therapy, up to Sum Insured. A ₹1 lakh sublimit applies to certain robotic surgeries.

Annual Health Checkup
Health Elite Health check-up is listed in published Health Elite materials. Eligibility, frequency and monetary limits are not verified for this exact variant.	HeartBeat Platinum Annual health check-ups from the second policy year, on a cashless basis through empanelled providers. Test value: ₹3,750 for ₹15 lakh SI and ₹5,000 for ₹20 lakh, ₹50 lakh and ₹1 crore SI. Family First Platinum provides ₹5,000 per insured person.

Pre-Hospitalisation
Health Elite Up to 30 days according to the published Health Elite product comparison, subject to policy terms.	HeartBeat Platinum Covered for 60 days, up to Sum Insured.

Post-Hospitalisation
Health Elite Up to 60 days according to the published Health Elite product comparison, subject to policy terms.	HeartBeat Platinum Covered for 90 days, up to Sum Insured.

Outpatient Department Cover (OPD Expense)
Health Elite Outpatient Treatment Cover is listed in published Health Elite materials. The limit depends on the applicable sum insured and policy configuration.	HeartBeat Platinum Covers eligible outpatient treatment, diagnostic tests and prescribed medicines. Limits: ₹15,000 for ₹15 lakh SI; ₹20,000 for ₹20 lakh SI; ₹35,000 for ₹50 lakh SI; ₹50,000 for ₹1 crore SI. Family First Platinum: ₹35,000. Subject to policy terms.

Deductible Option
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.	HeartBeat Platinum Optional annual aggregate deductible options are available for eligible Individual/Family Floater policies: ₹10,000, ₹20,000, ₹30,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh, ₹5 lakh or ₹10 lakh.

Coverage Options
Health Elite Information Unavailable	HeartBeat Platinum Individual/Family Floater Platinum offers Base SI of ₹15 lakh, ₹20 lakh, ₹50 lakh and ₹1 crore. Family First Platinum has a separate per-person and floater Sum Insured structure. Policy terms of 1 or 2 years are available, subject to the applicable option.

Claim Settlement Ratio
Health Elite FY 24-25: ~84%	HeartBeat Platinum 96.0% of HeartBeat claims settled by number in FY 2025-26, according to the insurer's product-level public disclosure. Company-level figure reported in the annual report: 94.4%.

Maternity Cover
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.	HeartBeat Platinum Covers up to two pregnancies or terminations under eligible policy structures after the applicable waiting period. Individual/Family Floater Platinum limits: ₹1.2 lakh for ₹15 lakh SI; ₹1.6 lakh for ₹20 lakh SI; ₹2 lakh for ₹50 lakh and ₹1 crore SI. Newborn cover and first-year vaccinations are included subject to policy conditions.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Elite

Health Insurance Plan

Brochure

Policy Wording

VS

HeartBeat Platinum

Health Insurance Plan

Brochure

Room Rent
Health Elite Information Unavailable
VS VS
HeartBeat Platinum Covered up to Sum Insured for eligible room categories, excluding Suite or higher categories.

Advanced Treatments
Health Elite Stem Cell Therapy Robotic Surgeries Oral Chemotherapy Deep Brain Stimulation Bronchial Thermoplasty Intra Operative Neuro Monitoring (IONM)
VS VS
HeartBeat Platinum Information Unavailable

ICU Charges
Health Elite Covered under eligible in-patient hospitalisation, subject to the applicable sum insured and policy conditions.
VS VS
HeartBeat Platinum Covered up to Sum Insured as part of inpatient care, subject to policy terms.

Co-payment
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.
VS VS
HeartBeat Platinum No mandatory co-payment with Zone 1 pricing, which offers all-India coverage. Under Zone 2 pricing, a 20% co-payment applies to treatment in Mumbai, including Navi Mumbai and Thane, Delhi NCR, Kolkata and Gujarat. Optional voluntary co-payment of 10% or 20% is available for a premium discount.

Disease-wise sublimits
Health Elite Specific limits depend on the applicable policy wording, sum insured and benefit configuration. A complete variant-specific list has not been verified.
VS VS
HeartBeat Platinum HIV/AIDS: up to ₹50,000 after a 4-year waiting period. Mental disorder treatment: covered up to SI, with a ₹50,000 sublimit for specified conditions after a 3-year waiting period. Maternity limits apply as listed above. Non-network emergency ambulance: up to ₹2,000 per event; network ambulance: up to SI.

Cashless Healthcare Providers
Health Elite Access to over 6,700 network hospitals and clinics for cashless treatments, ensuring convenient and hassle-free medical care.
VS VS
HeartBeat Platinum Cashless treatment is available at Niva Bupa network hospitals. The HeartBeat brochure refers to 10,000+ hospitals, an approximate network figure. Niva Bupa also advertises a 30-minute cashless pre-authorisation commitment, subject to the applicable process and required documents.

Restoration Benefit
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.
VS VS
HeartBeat Platinum Re-fill Benefit: once per policy year, up to 100% of Base SI when Base SI and Loyalty Additions are partly or fully used. It can be used for subsequent claims for the same or a different illness, subject to policy conditions. The benefit is not available under Family First.

Daycare Treatment
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.
VS VS
HeartBeat Platinum All eligible day-care treatments are covered up to Sum Insured, subject to policy terms.

Cumulative Bonus
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.
VS VS
HeartBeat Platinum Loyalty Additions increase the expiring Base Sum Insured by 10% at each renewal, up to a maximum of 100% of Base SI, irrespective of claims. The increase does not raise benefit sublimits

AYUSH Treatment
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.
VS VS
HeartBeat Platinum Covers eligible inpatient treatment under Ayurveda, Unani, Siddha and Homeopathy up to Sum Insured, subject to policy terms.

Consumable Cover
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.
VS VS
HeartBeat Platinum Allowable consumables during hospitalisation are covered. Items included in the applicable non-payable list are excluded.

Initial Waiting Period
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.
VS VS
HeartBeat Platinum 30 days for illnesses. Accidents are covered from day one. The initial waiting period is waived for insured persons with 12 or more months of continuous coverage, subject to policy terms.

Specific Waiting Period
Health Elite The exact waiting period for specified diseases and procedures is not verified for this variant.
VS VS
HeartBeat Platinum 24 months for listed conditions such as cataract, hernia, joint replacement, piles and stones. This applies only to insured persons above 45 years at first policy inception. No specific waiting period applies to those aged 45 or below at entry.

PED Waiting Period
Health Elite The exact waiting period for specified diseases and procedures is not verified for this variant.
VS VS
HeartBeat Platinum 24 months of continuous coverage for declared pre-existing diseases.

Modern Treatment
Health Elite Listed as a covered category in the older Complete Health Insurance policy information, subject to the applicable policy terms and limits.
VS VS
HeartBeat Platinum Covers 12 listed modern treatments, including robotic surgery, oral chemotherapy, immunotherapy and stem cell therapy, up to Sum Insured. A ₹1 lakh sublimit applies to certain robotic surgeries.

Annual Health Checkup
Health Elite Health check-up is listed in published Health Elite materials. Eligibility, frequency and monetary limits are not verified for this exact variant.
VS VS
HeartBeat Platinum Annual health check-ups from the second policy year, on a cashless basis through empanelled providers. Test value: ₹3,750 for ₹15 lakh SI and ₹5,000 for ₹20 lakh, ₹50 lakh and ₹1 crore SI. Family First Platinum provides ₹5,000 per insured person.

Pre-Hospitalisation
Health Elite Up to 30 days according to the published Health Elite product comparison, subject to policy terms.
VS VS
HeartBeat Platinum Covered for 60 days, up to Sum Insured.

Post-Hospitalisation
Health Elite Up to 60 days according to the published Health Elite product comparison, subject to policy terms.
VS VS
HeartBeat Platinum Covered for 90 days, up to Sum Insured.

Outpatient Department Cover (OPD Expense)
Health Elite Outpatient Treatment Cover is listed in published Health Elite materials. The limit depends on the applicable sum insured and policy configuration.
VS VS
HeartBeat Platinum Covers eligible outpatient treatment, diagnostic tests and prescribed medicines. Limits: ₹15,000 for ₹15 lakh SI; ₹20,000 for ₹20 lakh SI; ₹35,000 for ₹50 lakh SI; ₹50,000 for ₹1 crore SI. Family First Platinum: ₹35,000. Subject to policy terms.

Deductible Option
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.
VS VS
HeartBeat Platinum Optional annual aggregate deductible options are available for eligible Individual/Family Floater policies: ₹10,000, ₹20,000, ₹30,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh, ₹5 lakh or ₹10 lakh.

Coverage Options
Health Elite Information Unavailable
VS VS
HeartBeat Platinum Individual/Family Floater Platinum offers Base SI of ₹15 lakh, ₹20 lakh, ₹50 lakh and ₹1 crore. Family First Platinum has a separate per-person and floater Sum Insured structure. Policy terms of 1 or 2 years are available, subject to the applicable option.

Claim Settlement Ratio
Health Elite FY 24-25: ~84%
VS VS
HeartBeat Platinum 96.0% of HeartBeat claims settled by number in FY 2025-26, according to the insurer's product-level public disclosure. Company-level figure reported in the annual report: 94.4%.

Maternity Cover
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.
VS VS
HeartBeat Platinum Covers up to two pregnancies or terminations under eligible policy structures after the applicable waiting period. Individual/Family Floater Platinum limits: ₹1.2 lakh for ₹15 lakh SI; ₹1.6 lakh for ₹20 lakh SI; ₹2 lakh for ₹50 lakh and ₹1 crore SI. Newborn cover and first-year vaccinations are included subject to policy conditions.

Insurance Plans Comparison

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Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

End-to-End Support

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

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

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

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Explore Insurance Category

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

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

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

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