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Insurance Plans Comparison

Niva Bupa HeartBeat Gold vs Liberty Health Connect Elite

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

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Niva Bupa

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

VS
Liberty

Health Connect Elite

Maximum Coverage at Minimum Premium

What Makes It Special:

Secure Health Connect is a comprehensive health insurance plan offering hospitalisation coverage, cumulative bonus benefits, reload of Sum Insured, cashless treatment and flexible plan options.

Best For:

  • Policyholders looking for lifelong renewal options.

  • Families wanting cashless treatment across network hospitals.

  • Customers looking for cumulative bonus benefits.

  • Individuals seeking flexible Sum Insured options.

  • Families looking for comprehensive health insurance coverage.

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 Gold

  • 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

Liberty Health Connect Elite

  • Check the plan-specific room rent, co-payment and disease-wise sub-limits before buying.

  • Check the applicable waiting periods for pre-existing diseases and specified treatments.

  • Consider it if you want cumulative bonus benefits for claim-free years.

  • Consider it if you want a reload of Sum Insured from the first claim.

  • Consider the plan if you want flexible 1, 2 or 3-year policy terms.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

HeartBeat Gold
HeartBeat Gold

Health Insurance Plan

Brochure

VS
Health Connect Elite
Health Connect Elite

Health Insurance Plan

Brochure

Policy Wording

Room Rent

HeartBeat Gold

Covered up to Sum Insured (except for Suite or above room category)
VS

Health Connect Elite

Subject to selected plan limits

ICU Charges

HeartBeat Gold

No restriction on ICU room rent

VS

Health Connect Elite

Covered as per selected plan

Advanced Treatments

HeartBeat Gold

Covered up to Sum Insured

VS

Health Connect Elite

Information Unavailable

Disease-wise sublimits

HeartBeat Gold

Yes

VS

Health Connect Elite

Applicable as per selected plan

Co-payment

HeartBeat Gold

Optional

VS

Health Connect Elite

Applicable as per selected plan

Restoration Benefit

HeartBeat Gold

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

VS

Health Connect Elite

Reload available from first claim

Cashless Healthcare Providers

HeartBeat Gold

10000+ Healthcare Providers

VS

Health Connect Elite

6,100+ network hospitals available

Cumulative Bonus

HeartBeat Gold

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

VS

Health Connect Elite

Up to 150% of Sum Insured

Daycare Treatment

HeartBeat Gold

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

VS

Health Connect Elite

405 daycare procedures covered

Consumable Cover

HeartBeat Gold

Yes

VS

Health Connect Elite

Not specified in the brochure

AYUSH Treatment

HeartBeat Gold

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

VS

Health Connect Elite

Not specified in the brochure

Initial Waiting Period

HeartBeat Gold

90 days.

VS

Health Connect Elite

30 days from policy commencement

Specific Waiting Period

HeartBeat Gold

2 years

VS

Health Connect Elite

2 years or 3 years

PED Waiting Period

HeartBeat Gold

3 years

VS

Health Connect Elite

3 years for pre-existing diseases

Modern Treatment

HeartBeat Gold

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

VS

Health Connect Elite

Covered as per selected plan

Annual Health Checkup

HeartBeat Gold

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

VS

Health Connect Elite

Available as per plan conditions

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

Health Connect Elite

Up to 30 to 45 days

Post-Hospitalisation

HeartBeat Gold

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

VS

Health Connect Elite

Up to 45 to 60 days

Outpatient Department Cover (OPD Expense)

HeartBeat Gold

OPD expenses are not available

VS

Health Connect Elite

Not covered under the policy

Deductible Option

HeartBeat Gold

Available as an option

VS

Health Connect Elite

Not specified in the brochure

Coverage Options

HeartBeat Gold

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

VS

Health Connect Elite

₹2 Lakh to ₹15 Lakh

Claim Settlement Ratio

HeartBeat Gold

92.02%

VS

Health Connect Elite

Not specified in the brochure

Maternity Cover

HeartBeat Gold

Available with capping based on base sum insured.

VS

Health Connect Elite

Not covered except ectopic pregnancy

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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