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Insurance Plans Comparison

Star Medi Classic 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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Star

Medi Classic

Star Medi Classic is an individual health insurance with essential hospitalisation benefits, preventive health check-ups and additional optional benefits.

What Makes It Special:

Medi Classic Insurance Policy is an individual health insurance plan that provides coverage for hospitalisation and selected medical treatments. It offers Sum Insured options from ₹5 Lakh to ₹15 Lakh, along with pre and post-hospitalisation coverage, preventive health check-ups and cumulative bonus. Optional Patient Care and Hospital Cash benefits are...

Best For:

  • Customers interested in optional Patient Care or Hospital Cash benefits.

  • Individuals looking for preventive health check-up benefits.

  • Customers who want pre and post-hospitalisation coverage.

  • People seeking Sum Insured options between ₹5 Lakh and ₹15 Lakh.

  • Individuals looking for individual health insurance coverage.

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

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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

Star Medi Classic

  • Review the applicable limits carefully, especially for room rent, modern treatments and other treatments with specific limits.

  • Consider the optional Patient Care and Hospital Cash benefits if they match your requirements.

  • The plan may suit customers who value pre-hospitalisation and post-hospitalisation coverage.

  • Consider it if a Sum Insured of ₹5 Lakh to ₹15 Lakh meets your coverage requirement.

  • Choose this plan if you need individual health insurance rather than a family floater.

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

Medi Classic
Medi Classic

Health Insurance Plan

Brochure

Policy Wording

VS
HeartBeat Gold
HeartBeat Gold

Health Insurance Plan

Brochure

Room Rent

Medi Classic

2% of Sum Insured per day, subject to a maximum of ₹5,000 per day.



VS

HeartBeat Gold

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

Medi Classic

Covered as per the applicable policy terms and limits.

VS

HeartBeat Gold

No restriction on ICU room rent

Advanced Treatments

Medi Classic

Information Unavailable

VS

HeartBeat Gold

Covered up to Sum Insured

Co-payment

Medi Classic

Not specified in the retrieved source.



VS

HeartBeat Gold

Optional

Disease-wise sublimits

Medi Classic

Modern treatments and cataract treatment are subject to applicable limits.



VS

HeartBeat Gold

Yes

Cashless Healthcare Providers

Medi Classic

Not specified in the retrieved source.



VS

HeartBeat Gold

10000+ Healthcare Providers

Restoration Benefit

Medi Classic

Not specified in the retrieved source.

VS

HeartBeat Gold

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

Cumulative Bonus

Medi Classic

5% of the Sum Insured for every claim-free year, subject to a maximum of 25% of the Sum Insured.



VS

HeartBeat Gold

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

Daycare Treatment

Medi Classic

Not specified in the retrieved source.



VS

HeartBeat Gold

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

Consumable Cover

Medi Classic

Not specified in the retrieved source.



VS

HeartBeat Gold

Yes

AYUSH Treatment

Medi Classic

Not specified in the retrieved source.



VS

HeartBeat Gold

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

Initial Waiting Period

Medi Classic

Not specified in the retrieved source.



VS

HeartBeat Gold

90 days.

Specific Waiting Period

Medi Classic

Not specified in the retrieved source.



VS

HeartBeat Gold

2 years

PED Waiting Period

Medi Classic





VS

HeartBeat Gold

3 years

Modern Treatment

Medi Classic

Covered, subject to applicable limits and policy terms.



VS

HeartBeat Gold

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

Annual Health Checkup

Medi Classic

Preventive health check-up is covered as per policy terms.



VS

HeartBeat Gold

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

Pre-Hospitalisation

Medi Classic

Covered for 30 days.



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

Medi Classic

Covered for 60 days, subject to the applicable limits and conditions.



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)

Medi Classic

Not specified as a standard base benefit in the retrieved source. Optional Patient Care and Hospital Cash benefits are available subject to conditions.



VS

HeartBeat Gold

OPD expenses are not available

Deductible Option

Medi Classic

Not specified in the retrieved source.



VS

HeartBeat Gold

Available as an option

Coverage Options

Medi Classic

Sum Insured options of ₹5 Lakh, ₹7.5 Lakh, ₹10 Lakh and ₹15 Lakh.



VS

HeartBeat Gold

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

Claim Settlement Ratio

Medi Classic

Not specified in the retrieved source.



VS

HeartBeat Gold

92.02%

Maternity Cover

Medi Classic

Not specified in the retrieved source.



VS

HeartBeat Gold

Available with capping based on base sum insured.

Insurance Plans Comparison

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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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