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Insurance Plans Comparison

Niva Bupa HeartBeat Enhanced vs Care Heart

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

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Niva Bupa

HeartBeat Enhanced

HeartBeat Enhanced

What Makes It Special:

HeartBeat 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
Care

Heart

Specialised Cardiac Health Insurance with 2-Year Cardiac PED Waiting Period

What Makes It Special:

Care Heart Health Insurance is a specialized policy designed for people with existing heart conditions or cardiac risks. It provides comprehensive coverage for hospitalization, surgeries, and treatments related to heart ailments, including pre and post-hospitalization expenses. The plan also covers annual health check-ups, ambulance charges, and optional add-ons for enhanced...

Best For:

  • Focused Protection for Cardiac Patients

  • Covers Pre and Post Hospitalization

  • Annual Health Check-Up Included

  • Lifelong Policy Renewability Option

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

Niva Bupa HeartBeat Enhanced

Not available

Care Heart

  • You have a past history of heart disease

  • You need coverage for cardiac-related hospitalization expenses

  • You want insurance despite pre-existing heart conditions

  • You seek affordable premiums for heart-focused care

  • You prefer lifelong renewability with cardiac protection

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

HeartBeat Enhanced
HeartBeat Enhanced

Health Insurance Plan

Brochure

VS
Heart
Heart

Health Insurance Plan

Brochure

Policy Wording

Room Rent

HeartBeat Enhanced

Covered up to Sum Insured

Covered up to Sum Insured

VS

Heart

Up to ₹3 L sum insured – 1% of Sum Insured per day

Above ₹3 L sum insured – Single Private Room

Advanced Treatments

HeartBeat Enhanced

Not mentioned — verify from policy wordings.

VS

Heart

Information Unavailable

ICU Charges

HeartBeat Enhanced

Information Unavailable

VS

Heart

Up to ₹3 L sum insured – 2% of Sum Insured per day

Above ₹3 L sum insured – No Limit

Co-payment

HeartBeat Enhanced

Optional 10% or 20% co-payment available for customers below 65 years to obtain premium discounts.

VS

Heart

In-built co-payment: 20% if entry age ≤ 70 years, 30% if entry age > 70 years.

Disease-wise sublimits

HeartBeat Enhanced

Information Unavailable

VS

Heart

Yes

Waiting Period

HeartBeat Enhanced

90 days

Gold Plan – 24 months; Silver Plan – 48 months

24 months

VS

Heart

Information Unavailable

Cashless Healthcare Providers

HeartBeat Enhanced

3,500+ network hospital

VS

Heart

21700+ Healthcare Providers

Restoration Benefit

HeartBeat Enhanced

Information Unavailable

VS

Heart

Provides 1 restoration of the base cover upon exhaustion, applicable for unrelated illnesses only

Daycare Treatment

HeartBeat Enhanced

Covered

VS

Heart

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

Cumulative Bonus

HeartBeat Enhanced

Information Unavailable

VS

Heart

Your sum insured increases by 10% each policy year as a No-Claim Bonus, up to 50% of the sum insured. The bonus reduces by 10% for every claim paid

AYUSH Treatment

HeartBeat Enhanced

Not mentioned — verify from policy wordings

VS

Heart

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

Consumable Cover

HeartBeat Enhanced

Information Unavailable

VS

Heart

No. However available as an add-on.

Initial Waiting Period

HeartBeat Enhanced

Information Unavailable

VS

Heart

30 days

Specific Waiting Period

HeartBeat Enhanced

Information Unavailable

VS

Heart

2 years

PED Waiting Period

HeartBeat Enhanced

Information Unavailable

VS

Heart

2 years

Modern Treatment

HeartBeat Enhanced

Information Unavailable

VS

Heart

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

Annual Health Checkup

HeartBeat Enhanced

Information Unavailable

VS

Heart

Health check-up is available from the first policy year

Pre-Hospitalisation

HeartBeat Enhanced

Information Unavailable

VS

Heart

You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

HeartBeat Enhanced

Information Unavailable

VS

Heart

You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it.

Outpatient Department Cover (OPD Expense)

HeartBeat Enhanced

Information Unavailable

VS

Heart

OPD expense is not included

Deductible Option

HeartBeat Enhanced

Information Unavailable

VS

Heart

Not available

Coverage Options

HeartBeat Enhanced

Information Unavailable

VS

Heart

Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L

Claim Settlement Ratio

HeartBeat Enhanced

Information Unavailable

VS

Heart

96%

Maternity Cover

HeartBeat Enhanced

Information Unavailable

VS

Heart

Not available

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

End-to-End Support

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

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

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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