Care Joy Today vs Niva Bupa HeartBeat Gold

Single Private AC room covered

No restriction on ICU room rent

No restriction on ICU room rent

Covered up to Sum Insured

Not Specifically mentioned

Yes

20% for above 61 years unless waived by extra premium

Optional

Not Available

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

8000+ Healthcare Providers

10000+ Healthcare Providers

Not Available in the base plan but you can add a rider to avail

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

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

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

Included within hospitalisation expenses.

Yes

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

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

30 days

90 days.

2 years

2 years

3 years

3 years

Covered

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

Not Stated

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

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

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

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

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

OPD expense is not included.

OPD expenses are not available

Not Available

Available as an option

8000+ Healthcare Providers

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

96%

92.02%

Available including pre-natal and post-natal expenses, up to ₹35,000 or ₹50,000 based on sum insured; maternity cover available up to age 45.

Available with capping based on base sum insured.