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Insurance Plans Comparison

TATA AIG Medicare 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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TATA AIG

Medicare

Tata AIG Medicare

What Makes It Special:

Tata AIG MediCare is a comprehensive health insurance plan that provides coverage for inpatient hospitalisation, Day Care Treatment, pre and post-hospitalisation expenses, domiciliary treatment and AYUSH treatment. The policy also includes benefits such as automatic restoration of the Sum Insured, Cumulative Bonus, preventive health check-ups, second medical opinion and additional...

Best For:

  • Customers who value additional healthcare services such as preventive health check-ups and second medical opinions.

  • Individuals looking for additional protection through restoration and Cumulative Bonus benefits.

  • Customers who want coverage for domiciliary treatment and AYUSH treatment.

  • Families looking for health insurance with Family Floater coverage.

  • Individuals looking for comprehensive hospitalisation and Day Care Treatment 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

TATA AIG Medicare

  • The policy also provides additional benefits such as preventive health check-ups, second medical opinion and other healthcare support, subject to the applicable limits and conditions.

  • Domiciliary Treatment is covered when the treatment exceeds three days and the applicable policy conditions are satisfied.

  • A 50% Cumulative Bonus is added after each claim-free policy year, up to a maximum of 100% of the Sum Insured, subject to policy conditions.

  • The policy provides automatic restoration of the Basic Sum Insured after the Sum Insured and accrued Cumulative Bonus are exhausted, subject to applicable conditions.

  • Consider Tata AIG MediCare if you want coverage for inpatient hospitalisation, Day Care Treatment, pre-hospitalisation and post-hospitalisation expenses.

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

Medicare
Medicare

Health Insurance Plan

Brochure

Policy Wording

VS
HeartBeat Gold
HeartBeat Gold

Health Insurance Plan

Brochure

Room Rent

Medicare

  1. Normal: 2% of the sum insured per day
  2. ICU: 4% of the sum insured per day
VS

HeartBeat Gold

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

Medicare

4% of Sum Insured per day

VS

HeartBeat Gold

No restriction on ICU room rent

Advanced Treatments

Medicare

Information Unavailable

VS

HeartBeat Gold

Covered up to Sum Insured

Co-payment

Medicare

No Specific Mandatory Co-payment Mentioned

VS

HeartBeat Gold

Optional

Disease-wise sublimits

Medicare

Applicable to Specified Treatments

VS

HeartBeat Gold

Yes

Waiting Period

Medicare

  1. Initial Waiting Periods: 30 Days
  2. Specific Diseases/procedures: 24 Months
  3. Pre-Existing Diseases: 36 Months
VS

HeartBeat Gold

Information Unavailable

Cashless Healthcare Providers

Medicare

11,000+ Cashless Hospitals

VS

HeartBeat Gold

10000+ Healthcare Providers

Restoration Benefit

Medicare

Available Once for Road Traffic Accident

VS

HeartBeat Gold

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

Daycare Treatment

Medicare

Cover expenses for listed Day Care Treatment due to disease/illness/injury during the policy period taken at a hospital or a Day Care Centre.

VS

HeartBeat Gold

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

Cumulative Bonus

Medicare

5% of Sum Insured per claim-free year

VS

HeartBeat Gold

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

AYUSH Treatment

Medicare

Cover for expenses incurred for treatment as in-patient in AYUSH Hospital.

VS

HeartBeat Gold

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

Consumable Cover

Medicare

Not Covered as a Separate Benefit

VS

HeartBeat Gold

Yes

Initial Waiting Period

Medicare

30 Days

VS

HeartBeat Gold

90 days.

Specific Waiting Period

Medicare

24 Months

VS

HeartBeat Gold

2 years

PED Waiting Period

Medicare

36 Months

VS

HeartBeat Gold

3 years

Modern Treatment

Medicare

Covered up to 25% of Sum Insured

VS

HeartBeat Gold

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

Annual Health Checkup

Medicare

Available as per Policy Terms

VS

HeartBeat Gold

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

Pre-Hospitalisation

Medicare

Covered for Up to 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

Medicare

Covered for Up to 60 Days

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)

Medicare

Not Covered under Base Policy

VS

HeartBeat Gold

OPD expenses are not available

Deductible Option

Medicare

Not Specified

VS

HeartBeat Gold

Available as an option

Coverage Options

Medicare

₹1 Lakh to ₹10 Lakh

VS

HeartBeat Gold

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

Claim Settlement Ratio

Medicare

Not Specified

VS

HeartBeat Gold

92.02%

Maternity Cover

Medicare

Not Covered

VS

HeartBeat Gold

Available with capping based on base sum insured.

Insurance Plans Comparison

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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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