Insurance Plans Comparison
Niva Bupa HeartBeat Gold vs HDFC ERGO Energy Silver Without Copay
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreHeartBeat 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
Energy Silver Without Copay
Cover diabetes and hypertension from day one with no co-pay, pay for your own wellness tests, and get a one-time 100% restore plus a 10% yearly bonus even after claims, up to 100% of the sum insured.
What Makes It Special:
Energy is written specifically for people already diagnosed with Type I or Type II diabetes, pre-diabetes or hypertension, and covers hospitalisation arising out of those conditions from the first day of the policy rather than after a pre-existing disease waiting period; this configuration keeps claims free of co-payment while holding...
Best For:
Buyers who intend to participate in the wellness programme for the renewal discount even though they pay for the tests themselves
People who expect a sizeable hospitalisation, where a 20% co-payment would be costly in absolute terms
Buyers who prioritise full claim settlement over bundled wellness benefits when choosing between the four configurations
Buyers who already get HbA1c and lipid monitoring through an employer scheme or pay for it themselves and do not need the test cost bundled in
Individuals diagnosed with diabetes or hypertension who want day-one cover for that condition without contributing a share of each claim
Insurance Plans Comparison
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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
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
This is an individual-only policy with no floater option, so if a spouse or parent also needs cover, budget for separate policies rather than adding them to this one.
The day-one cover applies to hospitalisation arising out of diabetes and hypertension only, so any other pre-existing condition still waits 24 months and should be declared at proposal.
You still need to undergo the wellness tests to earn reward points and the renewal discount of up to 25%, so factor the test cost into your running cost of the policy.
Compare it against the Silver plan with co-payment by calculating 20% of a realistic claim at your sum insured, because that is the amount the extra premium here buys out.
Compare this against the Gold plan without co-payment by pricing the two wellness tests locally, since the only stated difference between the plans is who bears that cost.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
HeartBeat Gold Health Insurance Plan VS VS |
![]() Energy Silver Without Copay Health Insurance Plan |
| Room Rent | |
|---|---|
HeartBeat Gold
| |
VS VS | |
Energy Silver Without Copay
|
| ICU Charges |
|---|
HeartBeat Gold No restriction on ICU room rent |
VS VS |
Energy Silver Without Copay Not specified. |
| Advanced Treatments |
|---|
HeartBeat Gold Covered up to Sum Insured |
VS VS |
Energy Silver Without Copay Includes modern medical procedures like robotic surgery, organ transplants, and advanced cancer treatments for enhanced healthcare access. |
| Disease-wise sublimits |
|---|
HeartBeat Gold Yes |
VS VS |
Energy Silver Without Copay Not specified |
| Co-payment |
|---|
HeartBeat Gold Optional |
VS VS |
Energy Silver Without Copay No copayments. Mentioned in the name of the policy itself. |
| Waiting Period |
|---|
HeartBeat Gold Information Unavailable |
VS VS |
Energy Silver Without Copay
|
| Restoration Benefit |
|---|
HeartBeat Gold 100% of base sum insured restored once every policy year for future claims |
VS VS |
Energy Silver Without Copay Restore Benefit stated as available; the restoration amount, number of restorations and conditions are Not specified in the available literature |
| Cashless Healthcare Providers |
|---|
HeartBeat Gold 10000+ Healthcare Providers |
VS VS |
Energy Silver Without Copay 16,000 cashless healthcare providers. |
| Cumulative Bonus |
|---|
HeartBeat Gold Your sum insured increases by 10% every year, maximum up to 100% |
VS VS |
Energy Silver Without Copay Not covered — non-medical expenses are excluded |
| Daycare Treatment |
|---|
HeartBeat Gold Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
Energy Silver Without Copay Covered under the policy. |
| Consumable Cover |
|---|
HeartBeat Gold Yes |
VS VS |
Energy Silver Without Copay Not covered — non-medical expenses are excluded |
| AYUSH Treatment |
|---|
HeartBeat Gold Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Energy Silver Without Copay Covered under this policy |
| Initial Waiting Period |
|---|
HeartBeat Gold 90 days. |
VS VS |
Energy Silver Without Copay Not specified. No waiting period applies to hospitalisation arising out of diabetes or hypertension |
| Specific Waiting Period |
|---|
HeartBeat Gold 2 years |
VS VS |
Energy Silver Without Copay 24 months for specified diseases including cataract, hernia, joint replacement surgeries and surgery of hydrocele |
| PED Waiting Period |
|---|
HeartBeat Gold 3 years |
VS VS |
Energy Silver Without Copay 24 months for pre-existing conditions other than diabetes or hypertension; diabetes and hypertension covered from day one. Waiting periods reduce by 1 year on each continuous renewal |
| Modern Treatment |
|---|
HeartBeat Gold Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
Energy Silver Without Copay Not specified. |
| Annual Health Checkup |
|---|
HeartBeat Gold Health check-up is available once every policy year, from day 1 of the policy |
VS VS |
Energy Silver Without Copay Two wellness tests per policy year are available, but their cost is excluded under the Silver plan and borne by the insured |
| 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 VS |
Energy Silver Without Copay Information Unavailable |
| Post-Hospitalisation |
|---|
HeartBeat Gold You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it |
VS VS |
Energy Silver Without Copay 60 days |
| Outpatient Department Cover (OPD Expense) |
|---|
HeartBeat Gold OPD expenses are not available |
VS VS |
Energy Silver Without Copay Not covered as a benefit. Reward points can instead reimburse up to 25% of renewal premium towards medical expenses such as consultations, medicines, diagnostics and dental expenses not covered under any medical insurance |
| Deductible Option |
|---|
HeartBeat Gold Available as an option |
VS VS |
Energy Silver Without Copay Not specified |
| Coverage Options |
|---|
HeartBeat Gold Available coverage options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹30L, ₹1Cr |
VS VS |
Energy Silver Without Copay Individual only — no family floater option |
| Claim Settlement Ratio |
|---|
HeartBeat Gold 92.02% |
VS VS |
Energy Silver Without Copay Information Unavailable |
| Maternity Cover |
|---|
HeartBeat Gold Available with capping based on base sum insured. |
VS VS |
Energy Silver Without Copay Not covered — pregnancy is excluded |
Insurance Plans Comparison
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Insurance Plans Comparison
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