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Insurance Plans Comparison

Royal Sundaram Family Plus 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

Family Plus

Give each member an individual sum insured plus a shared floater, with no room rent cap, a one-time reload for a different illness after both are used up, and maternity cover of up to ₹50,000 a delivery.

What Makes It Special:

Family Plus 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

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

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 Family Plus

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

Family Plus
Family Plus

Health Insurance Plan

Brochure

Policy Wording

VS
HeartBeat Gold
HeartBeat Gold

Health Insurance Plan

Brochure

Room Rent

Family Plus

Normal: No Room Rent Capping

ICU: Covered up to Sum Insured

VS

HeartBeat Gold

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

Family Plus

Not mentioned

VS

HeartBeat Gold

Covered up to Sum Insured

ICU Charges

Family Plus

Information Unavailable

VS

HeartBeat Gold

No restriction on ICU room rent

Co-payment

Family Plus

Not mentioned

VS

HeartBeat Gold

Optional

Disease-wise sublimits

Family Plus

Information Unavailable

VS

HeartBeat Gold

Yes

Waiting Period

Family Plus

Initial Waiting Period: 30 Days

Pre-existing Disease Waiting Period: 36 Months

Specific Disease/Procedure Waiting Period: 24 Months (16 specified diseases/conditions)

Maternity Waiting Period: 24 Months

VS

HeartBeat Gold

Information Unavailable

Cashless Healthcare Providers

Family Plus

7,000+ Network Hospitals

VS

HeartBeat Gold

10000+ Healthcare Providers

Restoration Benefit

Family Plus

Information Unavailable

VS

HeartBeat Gold

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

Daycare Treatment

Family Plus

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

Family Plus

Information Unavailable

VS

HeartBeat Gold

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

AYUSH Treatment

Family Plus

Covered

VS

HeartBeat Gold

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

Consumable Cover

Family Plus

Information Unavailable

VS

HeartBeat Gold

Yes

Initial Waiting Period

Family Plus

Information Unavailable

VS

HeartBeat Gold

90 days.

Specific Waiting Period

Family Plus

Information Unavailable

VS

HeartBeat Gold

2 years

PED Waiting Period

Family Plus

Information Unavailable

VS

HeartBeat Gold

3 years

Modern Treatment

Family Plus

Information Unavailable

VS

HeartBeat Gold

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

Annual Health Checkup

Family Plus

Information Unavailable

VS

HeartBeat Gold

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

Pre-Hospitalisation

Family Plus

Information Unavailable

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

Family Plus

Information Unavailable

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)

Family Plus

Information Unavailable

VS

HeartBeat Gold

OPD expenses are not available

Deductible Option

Family Plus

Information Unavailable

VS

HeartBeat Gold

Available as an option

Coverage Options

Family Plus

Information Unavailable

VS

HeartBeat Gold

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

Claim Settlement Ratio

Family Plus

Information Unavailable

VS

HeartBeat Gold

92.02%

Maternity Cover

Family Plus

Information Unavailable

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?

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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.

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