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Insurance Plans Comparison

Royal Sundaram Advanced Top Up vs Niva Bupa HeartBeat Gold

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

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Royal Sundaram

Advanced Top Up

Advanced Top Up

What Makes It Special:

Advanced Top Up 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
Niva Bupa

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

Royal Sundaram Advanced Top Up

Not available

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

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Advanced Top Up
Advanced Top Up

Health Insurance Plan

Brochure

Policy Wording

VS
HeartBeat Gold
HeartBeat Gold

Health Insurance Plan

Brochure

Room Rent

Advanced Top Up

Covered up to Sum Insured

Covered up to Sum Insured

VS

HeartBeat Gold

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

Advanced Top Up

Covered up to Sum Insured

VS

HeartBeat Gold

Covered up to Sum Insured

ICU Charges

Advanced Top Up

Not Available

VS

HeartBeat Gold

No restriction on ICU room rent

Co-payment

Advanced Top Up

Not mentioned

VS

HeartBeat Gold

Optional

Disease-wise sublimits

Advanced Top Up

Not Available

VS

HeartBeat Gold

Yes

Waiting Period

Advanced Top Up

30 Days

36 Months

24 Months

VS

HeartBeat Gold

Not Available

Cashless Healthcare Providers

Advanced Top Up

Not mentioned

VS

HeartBeat Gold

10000+ Healthcare Providers

Restoration Benefit

Advanced Top Up

Not Available

VS

HeartBeat Gold

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

Daycare Treatment

Advanced Top Up

Covered up to Sum Insured

VS

HeartBeat Gold

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

Cumulative Bonus

Advanced Top Up

Not Available

VS

HeartBeat Gold

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

AYUSH Treatment

Advanced Top Up

Covered up to Sum Insured

VS

HeartBeat Gold

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

Consumable Cover

Advanced Top Up

Not Available

VS

HeartBeat Gold

Yes

Initial Waiting Period

Advanced Top Up

Not Available

VS

HeartBeat Gold

90 days.

Specific Waiting Period

Advanced Top Up

Not Available

VS

HeartBeat Gold

2 years

PED Waiting Period

Advanced Top Up

Not Available

VS

HeartBeat Gold

3 years

Modern Treatment

Advanced Top Up

Not Available

VS

HeartBeat Gold

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

Annual Health Checkup

Advanced Top Up

Not Available

VS

HeartBeat Gold

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

Pre-Hospitalisation

Advanced Top Up

Not Available

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

Advanced Top Up

Not Available

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)

Advanced Top Up

Not Available

VS

HeartBeat Gold

OPD expenses are not available

Deductible Option

Advanced Top Up

Not Available

VS

HeartBeat Gold

Available as an option

Coverage Options

Advanced Top Up

Not Available

VS

HeartBeat Gold

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

Claim Settlement Ratio

Advanced Top Up

Not Available

VS

HeartBeat Gold

92.02%

Maternity Cover

Advanced Top Up

Not Available

VS

HeartBeat Gold

Available with capping based on base sum insured.

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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