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Insurance Plans Comparison

ICICI Lombard Smart Super Health Assure vs Niva Bupa HeartBeat Enhanced

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

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ICICI Lombard

Smart Super Health Assure

Pay a lump sum on diagnosis of one of six specified critical illnesses, including cancer, heart attack, stroke, bypass surgery, kidney failure and a major organ transplant, or take instalments over 5 years.

What Makes It Special:

Smart Super Health is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.

Best For:

  • Not available
VS
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.

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

ICICI Lombard Smart Super Health Assure

Not available

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.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Smart Super Health Assure
Smart Super Health Assure

Health Insurance Plan

VS
HeartBeat Enhanced
HeartBeat Enhanced

Health Insurance Plan

Brochure

Room Rent

Smart Super Health Assure

Normal: Not applicable — this is a critical illness benefit plan

ICU: Not applicable — this is a lump sum critical illness payout plan

VS

HeartBeat Enhanced

Enhanced-specific room category or limit not established.

Advanced Treatments

Smart Super Health Assure

Major Organ Transplant (Recipient)

Coronary Artery Bypass Graft Surgery

Stroke

Cancer

Heart Attack

Kidney Failure

VS

HeartBeat Enhanced

Information Unavailable

ICU Charges

Smart Super Health Assure

Information Unavailable

VS

HeartBeat Enhanced

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



Co-payment

Smart Super Health Assure

Not mentioned

VS

HeartBeat Enhanced

Enhanced-specific co-payment terms not established.

Disease-wise sublimits

Smart Super Health Assure

Information Unavailable

VS

HeartBeat Enhanced

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

Waiting Period

Smart Super Health Assure

Initial Waiting Period: 6 months

Specific Disease/Procedure Waiting Period: Critical illness diagnosis between 6 months to 1 year receives reduced payout

VS

HeartBeat Enhanced

Information Unavailable

Cashless Healthcare Providers

Smart Super Health Assure

6,500 network hospitals

VS

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.

Restoration Benefit

Smart Super Health Assure

Information Unavailable

VS

HeartBeat Enhanced

Enhanced-specific restoration entitlement and limits not established.

Daycare Treatment

Smart Super Health Assure

Not Applicable

VS

HeartBeat Enhanced

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

Cumulative Bonus

Smart Super Health Assure

Information Unavailable

VS

HeartBeat Enhanced

Variant-specific benefit and limit not established for “Enhanced

AYUSH Treatment

Smart Super Health Assure

Not Mentioned

VS

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.

Consumable Cover

Smart Super Health Assure

Information Unavailable

VS

HeartBeat Enhanced

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

Initial Waiting Period

Smart Super Health Assure

Information Unavailable

VS

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.

Specific Waiting Period

Smart Super Health Assure

Information Unavailable

VS

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.

PED Waiting Period

Smart Super Health Assure

Information Unavailable

VS

HeartBeat Enhanced

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

Modern Treatment

Smart Super Health Assure

Information Unavailable

VS

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

Annual Health Checkup

Smart Super Health Assure

Information Unavailable

VS

HeartBeat Enhanced

Enhanced-specific entitlement and limits not established.

Pre-Hospitalisation

Smart Super Health Assure

Information Unavailable

VS

HeartBeat Enhanced

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

Post-Hospitalisation

Smart Super Health Assure

Information Unavailable

VS

HeartBeat Enhanced

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

Outpatient Department Cover (OPD Expense)

Smart Super Health Assure

Information Unavailable

VS

HeartBeat Enhanced

Enhanced-specific OPD benefit not established

Deductible Option

Smart Super Health Assure

Information Unavailable

VS

HeartBeat Enhanced

No Enhanced-specific deductible option established.

Coverage Options

Smart Super Health Assure

Information Unavailable

VS

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.

Claim Settlement Ratio

Smart Super Health Assure

Information Unavailable

VS

HeartBeat Enhanced

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

Maternity Cover

Smart Super Health Assure

Information Unavailable

VS

HeartBeat Enhanced

Enhanced-specific maternity benefit not established

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

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

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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

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