Insurance Plans Comparison
Niva Bupa Health Assurance vs Niva Bupa HeartBeat Gold
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreHealth Assurance
Choose a listed critical-illness lump sum, accident cover and daily hospital cash as fixed benefits you can combine, with hospital cash paid for each day in hospital up to 45 days a year.
What Makes It Special:
Health Assurance is a Niva Bupa family plan made up of three separate covers. CritiCare pays a lump sum for listed critical illnesses. HospiCash pays a fixed daily cash amount during hospitalisation. AccidentCare pays for accidental death, permanent disability and temporary disability.
Best For:
Buyers who want lifelong renewal on all three covers
Parents who want child education benefits paid on an accidental death or permanent disability of the proposer
Working adults who want accident death, disability and income-loss cover
Buyers who want daily cash to cover incidental costs during a hospital stay
Families who want a lump sum if a listed critical illness is diagnosed
VS
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
Insurance Plans Comparison
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Quick Decision Guide
The sum insured for AccidentCare and TTD is linked to annual income, so check the limits against your income.
Only 2 adults can be covered under a CritiCare family option, so check this before buying for a larger family.
AccidentCare has no waiting period, but it is available only to Risk Class 1 and 2 occupations, with a 50% loading for Risk Class 2.
HospiCash pays a fixed daily amount for up to 45 days a year, so it does not reimburse hospital bills.
CritiCare does not start for 90 days, and a 36-month PED wait applies, so buy early if you have a condition.
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
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Health Assurance Health Insurance Plan VS VS |
HeartBeat Gold Health Insurance Plan |
| Room Rent | |
|---|---|
Health Assurance Normal: Covered up to Sum Insured ICU: Covered up to Sum Insured | |
VS VS | |
HeartBeat Gold
|
| Advanced Treatments |
|---|
Health Assurance Modern Treatments covered up to Sum Insured |
VS VS |
HeartBeat Gold Covered up to Sum Insured |
| ICU Charges |
|---|
Health Assurance Under HospiCash, the ICU cash benefit is double the daily cash benefit for ICU stays, up to 7 days a year. |
VS VS |
HeartBeat Gold No restriction on ICU room rent |
| Co-payment |
|---|
Health Assurance Optional co-payment available |
VS VS |
HeartBeat Gold Optional |
| Disease-wise sublimits |
|---|
Health Assurance Information Unavailable |
VS VS |
HeartBeat Gold Yes |
| Cashless Healthcare Providers |
|---|
Health Assurance 10,000+ Network Hospitals |
VS VS |
HeartBeat Gold 10000+ Healthcare Providers |
| Restoration Benefit |
|---|
Health Assurance Information Unavailable |
VS VS |
HeartBeat Gold 100% of base sum insured restored once every policy year for future claims |
| Daycare Treatment |
|---|
Health Assurance Covered |
VS VS |
HeartBeat Gold Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Cumulative Bonus |
|---|
Health Assurance AccidentCare renewal benefit: the sum insured rises by 5% for each claim-free year, up to a total of 25%. Applies to all AccidentCare benefits except TTD and accident hospitalisation. |
VS VS |
HeartBeat Gold Your sum insured increases by 10% every year, maximum up to 100% |
| AYUSH Treatment |
|---|
Health Assurance Covered up to Sum Insured |
VS VS |
HeartBeat Gold Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Consumable Cover |
|---|
Health Assurance Please refer to the policy wording. |
VS VS |
HeartBeat Gold Yes |
| Initial Waiting Period |
|---|
Health Assurance CritiCare: 90 days. HospiCash: 30 days, except accidents. AccidentCare: none. |
VS VS |
HeartBeat Gold 90 days. |
| Specific Waiting Period |
|---|
Health Assurance HospiCash only: 24 months for 17 listed conditions and procedures |
VS VS |
HeartBeat Gold 2 years |
| PED Waiting Period |
|---|
Health Assurance 36 months for CritiCare and HospiCash |
VS VS |
HeartBeat Gold 3 years |
| Modern Treatment |
|---|
Health Assurance Not covered as a separate benefit. AccidentCare Hospitalisation covers surgery, room rent and related costs for accidental injury up to 2% of the AccidentCare sum insured. |
VS VS |
HeartBeat Gold Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Health Assurance Kindly refer to the policy wording. |
VS VS |
HeartBeat Gold Health check-up is available once every policy year, from day 1 of the policy |
| Pre-Hospitalisation |
|---|
Health Assurance Information Unavailable |
VS VS |
HeartBeat Gold You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Health Assurance Kindly refer to policy wording. |
VS VS |
HeartBeat Gold You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
Health Assurance Not covered. |
VS VS |
HeartBeat Gold OPD expenses are not available |
| Deductible Option |
|---|
Health Assurance Kindly refer to the policy wording. |
VS VS |
HeartBeat Gold Available as an option |
| Coverage Options |
|---|
Health Assurance AccidentCare (individual or family, with optional TTD and accident hospitalisation), CritiCare (individual or family floater, Option 1 lump sum or Option 2 lump sum with staggered payout), HospiCash (individual or family, daily cash). |
VS VS |
HeartBeat Gold Available coverage options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹30L, ₹1Cr |
| Claim Settlement Ratio |
|---|
Health Assurance 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). |
VS VS |
HeartBeat Gold 92.02% |
| Maternity Cover |
|---|
Health Assurance Information Unavailable |
VS VS |
HeartBeat Gold Available with capping based on base sum insured. |
Insurance Plans Comparison
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