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Insurance Plans Comparison

Niva Bupa HeartBeat Enhanced vs Niva Bupa Health Companion Variant 2

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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
Niva Bupa

Health Companion Variant 2

Add 20% of the base sum insured each claim-free year up to 100%, refill the base sum insured once for a different illness, and get animal-bite vaccination up to ₹5,000 with an annual health check-up.

What Makes It Special:

Health Companion Variant 2 is a Niva Bupa floater covering hospitalisation, day care, AYUSH and domiciliary treatment, with a refill benefit, no-claim bonus and 2- or 3-year term discounts. Variant-specific terms are not separated in the prospectus.

Best For:

  • Buyers who do not need maternity or OPD cover

  • Buyers who need hospitalisation, day care and AYUSH cover

  • Buyers who plan to pay for two or three years to get term discounts

  • Buyers who want a no-claim bonus that builds to 100%

  • Families who want a floater with a refill benefit

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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.

Niva Bupa Health Companion Variant 2

  • The refill applies only once a policy year.

  • The 20% co-payment for higher room categories applies on Variant 2023.

  • Maternity is not covered, so plan separately if needed.

  • Term discounts do not apply if premium is paid monthly, half-yearly or quarterly.

  • The 36-month PED wait applies, so buy early if you have an existing condition.

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 Companion Variant 2
Health Companion Variant 2

Health Insurance Plan

Brochure

Room Rent

HeartBeat Enhanced

Enhanced-specific room category or limit not established.

VS

Health Companion Variant 2

  1. Normal Room: No limit (any single private room covered)
  2. ICU Charges: Fully covered (as per actual hospitalization expenses)
ICU Charges

HeartBeat Enhanced

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



VS

Health Companion Variant 2

Covered up to the sum insured as part of in-patient care

Advanced Treatments

HeartBeat Enhanced

Information Unavailable

VS

Health Companion Variant 2

  1. Robotic Surgery Therapy
  2. Bariatric Surgery 
  3. Oral Chemotherapy 
  4. Proton Beam Therapy 
  5. Deep Brain Stimulation 
  6. Implantable Devices 
Disease-wise sublimits

HeartBeat Enhanced

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

VS

Health Companion Variant 2

No disease sublimit schedule in the prospectus

Co-payment

HeartBeat Enhanced

Enhanced-specific co-payment terms not established.

VS

Health Companion Variant 2

No mandatory co-payment for most policyholders. However, for individuals aged 65 years and above at the time of entry, a co-payment of 20% applies to each claim.

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 Companion Variant 2

10,000+ network hospitals.

Restoration Benefit

HeartBeat Enhanced

Enhanced-specific restoration entitlement and limits not established.

VS

Health Companion Variant 2

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 Companion Variant 2

Covered under the policy. 

Cumulative Bonus

HeartBeat Enhanced

Variant-specific benefit and limit not established for “Enhanced

VS

Health Companion Variant 2

20% of the expiring base sum insured per claim-free year, up to 100%

Consumable Cover

HeartBeat Enhanced

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

VS

Health Companion Variant 2

Prescribed medicines and consumables during treatment are covered. Annexure II items are not.

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 Companion Variant 2

Covered under this 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 Companion Variant 2

30 days, except accidents

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 Companion Variant 2

24 months for listed conditions

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 Companion Variant 2

36 months

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 Companion Variant 2

Covered up to the sum insured

Annual Health Checkup

HeartBeat Enhanced

Enhanced-specific entitlement and limits not established.

VS

Health Companion Variant 2

Annual from day one, for defined tests. Up to ₹500 per ₹1 lakh of base sum insured. Cashless only.

Pre-Hospitalisation

HeartBeat Enhanced

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

VS

Health Companion Variant 2

60 days before admission

Post-Hospitalisation

HeartBeat Enhanced

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

VS

Health Companion Variant 2

180 days after discharge

Outpatient Department Cover (OPD Expense)

HeartBeat Enhanced

Enhanced-specific OPD benefit not established

VS

Health Companion Variant 2

Not covered

Deductible Option

HeartBeat Enhanced

No Enhanced-specific deductible option established.

VS

Health Companion Variant 2

Annual aggregate deductible from ₹10,000 to ₹10 lakh

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 Companion Variant 2

Individual or floater, with optional hospital cash, personal accident and deductible

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 Companion Variant 2

Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27).

Maternity Cover

HeartBeat Enhanced

Enhanced-specific maternity benefit not established

VS

Health Companion Variant 2

Not covered

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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)

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