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Insurance Plans Comparison

Niva Bupa HeartBeat Gold vs Star Diabetes Safe Plan A

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

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

VS
Star

Diabetes Safe Plan A

Health Insurance Designed for People with Type I or Type II Diabetes

What Makes It Special:

Diabetes-Focused Health Insurance

Best For:

  • Eligible couples considering individual or floater coverage.

  • Customers who want outpatient benefits at network hospitals and diagnostic centres.

  • Individuals looking for hospitalisation cover for other illnesses and accidental injuries.

  • Customers seeking cover for eligible diabetes complications.

  • Individuals aged 18 to 65 years with Type I or Type II Diabetes Mellitus.

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

Star Diabetes Safe Plan A

  • Understand the restoration benefit and its individual-policy restriction.

  • Review the room category and pre- and post-hospitalisation limits.

  • Check cataract and modern treatment sublimits.

  • Review the Sum Insured and outpatient benefit limits.

  • Check the waiting period for diabetes complications under Plan B.

  • Understand the medical screening requirement under Plan A.

  • Compare Plan A and Plan B.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

HeartBeat Gold
HeartBeat Gold

Health Insurance Plan

Brochure

VS
Diabetes Safe Plan A
Diabetes Safe Plan A

Health Insurance Plan

Brochure

Policy Wording

Room Rent

HeartBeat Gold

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

Diabetes Safe Plan A

  1. Single standard air-conditioned room, subject to policy terms and applicable limits.
ICU Charges

HeartBeat Gold

No restriction on ICU room rent

VS

Diabetes Safe Plan A

Covered as part of eligible hospitalisation expenses, subject to policy terms.

Advanced Treatments

HeartBeat Gold

Covered up to Sum Insured

VS

Diabetes Safe Plan A

Information Unavailable

Disease-wise sublimits

HeartBeat Gold

Yes

VS

Diabetes Safe Plan A

Sublimits apply to specified treatments, including cataract and certain modern treatments. Plan B also has limits for specified cardiovascular complications.

Co-payment

HeartBeat Gold

Optional

VS

Diabetes Safe Plan A

Not specified.

Restoration Benefit

HeartBeat Gold

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

VS

Diabetes Safe Plan A

100% of the basic Sum Insured is restored once during the policy period for eligible Section 2 claims on individual policies. This benefit is not available on floater policies.

Cashless Healthcare Providers

HeartBeat Gold

10000+ Healthcare Providers

VS

Diabetes Safe Plan A

Cashless treatment is available at eligible network hospitals, subject to authorisation and policy conditions.

Cumulative Bonus

HeartBeat Gold

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

VS

Diabetes Safe Plan A

Not specified.

Daycare Treatment

HeartBeat Gold

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

VS

Diabetes Safe Plan A

Eligible daycare procedures are covered, subject to policy terms.

Consumable Cover

HeartBeat Gold

Yes

VS

Diabetes Safe Plan A

Not specified.

AYUSH Treatment

HeartBeat Gold

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

VS

Diabetes Safe Plan A

Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered up to the Sum Insured, subject to policy terms. Yoga and Naturopathy require prior approval.

Initial Waiting Period

HeartBeat Gold

90 days.

VS

Diabetes Safe Plan A

  1. 30 days for applicable illnesses, except covered accidents. The waiting period applies according to the selected plan and policy section.
Specific Waiting Period

HeartBeat Gold

2 years

VS

Diabetes Safe Plan A

24 months for specified diseases and procedures under applicable sections. A 12-month waiting period applies to specified diabetes complications under Plan B.

PED Waiting Period

HeartBeat Gold

3 years

VS

Diabetes Safe Plan A

36 months for pre-existing diseases under applicable sections.

Modern Treatment

HeartBeat Gold

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

VS

Diabetes Safe Plan A

  1. Specified modern treatments are covered, subject to treatment-specific limits.
Annual Health Checkup

HeartBeat Gold

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

VS

Diabetes Safe Plan A

Not specified.

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

Diabetes Safe Plan A

Up to 30 days before hospital admission.

Post-Hospitalisation

HeartBeat Gold

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

VS

Diabetes Safe Plan A

Up to 60 days after discharge, limited to 7% of eligible hospitalisation expenses and a maximum of ₹5,000 per hospitalisation.

Outpatient Department Cover (OPD Expense)

HeartBeat Gold

OPD expenses are not available

VS

Diabetes Safe Plan A

Covered at network hospitals and diagnostic centres. Limits vary by plan, Sum Insured and individual or floater basis.

Deductible Option

HeartBeat Gold

Available as an option

VS

Diabetes Safe Plan A

Not specified.

Coverage Options

HeartBeat Gold

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

VS

Diabetes Safe Plan A

Individual and Family Floater for self and spouse.

Claim Settlement Ratio

HeartBeat Gold

92.02%

VS

Diabetes Safe Plan A

Insurer-level metric, not a policy benefit.

Maternity Cover

HeartBeat Gold

Available with capping based on base sum insured.

VS

Diabetes Safe Plan A

Not covered, except ectopic pregnancy as specified in the policy.

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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