Insurance Plans Comparison
Aditya Birla Active Care Premier vs Niva Bupa HeartBeat Gold
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreActive Care Premier
Aditya Birla Activ Care Premiere
What Makes It Special:
Activ Care Premier is a senior citizen-focused health plan from Aditya Birla that upgrades classic senior cover with a Single Private Room, consumables coverage,and home care support, all with a shorter 2-year PED waiting period.
Best For:
Those looking for wellness-linked premium rewards
Buyers who prefer treatment at home through home care and domiciliary options
Those wanting a private room during hospitalisation
People managing chronic conditions like diabetes or hypertension
Senior citizens aged 46 to75 years
VS
HeartBeat Gold
Niva Bupa Heartbeat Gold Plan
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
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
Check the 20% co-payment and disease-wise sub-limits carefully before purchase
May not suit buyers wanting in-built OPD coverage
Suitable for buyers who value home nursing and domiciliary care options
Useful for people who want consumables coverage in the base plan
Good option if you're a senior wanting private-room comfort with a 2-year PED waiting period
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
Active Care Premier Health Insurance Plan VS VS |
HeartBeat Gold Health Insurance Plan |
| Room Rent | |
|---|---|
Active Care Premier Single Private Room. ICU charges covered up to the Sum Insured. | |
VS VS | |
HeartBeat Gold
|
| ICU Charges |
|---|
Active Care Premier Covered up to the Sum Insured. |
VS VS |
HeartBeat Gold No restriction on ICU room rent |
| Advanced Treatments |
|---|
Active Care Premier Information Unavailable |
VS VS |
HeartBeat Gold Covered up to Sum Insured |
| Co-payment |
|---|
Active Care Premier 20% co-payment applies on admissible claims. |
VS VS |
HeartBeat Gold Optional |
| Disease-wise sublimits |
|---|
Active Care Premier Certain treatments carry sub-limits — including domiciliary hospitalisationcapped at10% of Sum Insured,and organ donor expenses up to50% of Sum Insured. |
VS VS |
HeartBeat Gold Yes |
| Cashless Healthcare Providers |
|---|
Active Care Premier Cashless treatment available at 11,000+ network hospitals across India. |
VS VS |
HeartBeat Gold 10000+ Healthcare Providers |
| Restoration Benefit |
|---|
Active Care Premier 100% of the Sum Insured is restored for subsequent hospitalisations due to a different illnessin the same policy year. |
VS VS |
HeartBeat Gold 100% of base sum insured restored once every policy year for future claims |
| Cumulative Bonus |
|---|
Active Care Premier Earn 10% of Base Sum Insured per claim-free year, accumulating up to a maximum of 50%. |
VS VS |
HeartBeat Gold Your sum insured increases by 10% every year, maximum up to 100% |
| Daycare Treatment |
|---|
Active Care Premier 586 daycare procedures covered, even when hospitalisationis less than24 hours. |
VS VS |
HeartBeat Gold Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Consumable Cover |
|---|
Active Care Premier Covered in the base plan, including non-medical consumables used during hospitalisation. |
VS VS |
HeartBeat Gold Yes |
| AYUSH Treatment |
|---|
Active Care Premier Covered for listed AYUSH treatments, subject to policy terms. |
VS VS |
HeartBeat Gold Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Initial Waiting Period |
|---|
Active Care Premier 30 days from policy inception for general illnesses. Accidental hospitalisationis covered from day 1. |
VS VS |
HeartBeat Gold 90 days. |
| Specific Waiting Period |
|---|
Active Care Premier 2 years for listed specific illnesses and procedures. |
VS VS |
HeartBeat Gold 2 years |
| PED Waiting Period |
|---|
Active Care Premier 2 years for pre-existing diseases — a shorter-than-usual waiting period, helpful for seniors managing chronic conditions. |
VS VS |
HeartBeat Gold 3 years |
| Modern Treatment |
|---|
Active Care Premier Covered for listed modern treatment methods, subject to the policy's list of covered procedures. |
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 |
|---|
Active Care Premier Available as an add-on — the Advanced Health Check-up covers additional tests like mammography, PAP smear, thyroid function test, TMT, chest X-ray,and abdominal sonography on a cashless basis. |
VS VS |
HeartBeat Gold Health check-up is available once every policy year, from day 1 of the policy |
| Pre-Hospitalisation |
|---|
Active Care Premier Pre-hospitalisation medical expenses covered for30 days prior to hospitalisation. |
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 |
|---|
Active Care Premier Post-hospitalisation medical expenses covered for60 days following discharge. |
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) |
|---|
Active Care Premier Not covered in the base plan. Tele-OPD e-consultationsare available as an add-on. |
VS VS |
HeartBeat Gold OPD expenses are not available |
| Deductible Option |
|---|
Active Care Premier Not a core feature of this variant — verify availability from the policy wordings. |
VS VS |
HeartBeat Gold Available as an option |
| Coverage Options |
|---|
Active Care Premier Sum Insured options from ₹3 lakh up to ₹10 lakh, designed for senior citizens. |
VS VS |
HeartBeat Gold Available coverage options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹30L, ₹1Cr |
| Claim Settlement Ratio |
|---|
Active Care Premier Aditya Birla Health Insurance reports a 96% claim settlement ratio(3-year average. |
VS VS |
HeartBeat Gold 92.02% |
| Maternity Cover |
|---|
Active Care Premier Not available in this plan. |
VS VS |
HeartBeat Gold Available with capping based on base sum insured. |
Insurance Plans Comparison
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Insurance Plans Comparison
Explore Insurance Category
Senior Citizen Health Plan
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Maternity Health Plan
Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs
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