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Insurance Plans Comparison

Niva Bupa HeartBeat Gold vs Niva Bupa Health Companion Variant 2

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
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 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

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 Gold
HeartBeat Gold

Health Insurance Plan

Brochure

VS
Health Companion Variant 2
Health Companion Variant 2

Health Insurance Plan

Brochure

Room Rent

HeartBeat Gold

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

No restriction on ICU room rent

VS

Health Companion Variant 2

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

Advanced Treatments

HeartBeat Gold

Covered up to Sum Insured

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 Gold

Yes

VS

Health Companion Variant 2

No disease sublimit schedule in the prospectus

Co-payment

HeartBeat Gold

Optional

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.

Restoration Benefit

HeartBeat Gold

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

VS

Health Companion Variant 2

Information Unavailable

Cashless Healthcare Providers

HeartBeat Gold

10000+ Healthcare Providers

VS

Health Companion Variant 2

10,000+ network hospitals.

Cumulative Bonus

HeartBeat Gold

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

VS

Health Companion Variant 2

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

Daycare Treatment

HeartBeat Gold

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

VS

Health Companion Variant 2

Covered under the policy. 

Consumable Cover

HeartBeat Gold

Yes

VS

Health Companion Variant 2

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

AYUSH Treatment

HeartBeat Gold

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

VS

Health Companion Variant 2

Covered under this policy

Initial Waiting Period

HeartBeat Gold

90 days.

VS

Health Companion Variant 2

30 days, except accidents

Specific Waiting Period

HeartBeat Gold

2 years

VS

Health Companion Variant 2

24 months for listed conditions

PED Waiting Period

HeartBeat Gold

3 years

VS

Health Companion Variant 2

36 months

Modern Treatment

HeartBeat Gold

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

VS

Health Companion Variant 2

Covered up to the sum insured

Annual Health Checkup

HeartBeat Gold

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

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 Gold

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

VS

Health Companion Variant 2

60 days before admission

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 Companion Variant 2

180 days after discharge

Outpatient Department Cover (OPD Expense)

HeartBeat Gold

OPD expenses are not available

VS

Health Companion Variant 2

Not covered

Deductible Option

HeartBeat Gold

Available as an option

VS

Health Companion Variant 2

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

Coverage Options

HeartBeat Gold

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

VS

Health Companion Variant 2

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

Claim Settlement Ratio

HeartBeat Gold

92.02%

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 Gold

Available with capping based on base sum insured.

VS

Health Companion Variant 2

Not covered

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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

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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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