Insurance Plans Comparison
Royal Sundaram Multiplier Health vs Niva Bupa HeartBeat Platinum
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreMultiplier Health
Multiplier Health
What Makes It Special:
Multiplier Health 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
HeartBeat Platinum
Niva Bupa Heartbeat Platinum Plan Health cover from ₹15 lakh to ₹1 crore with OPD benefits, maternity cover, international emergency protection and up to 100% Loyalty Additions.
What Makes It Special:
Premium family health insurance with OPD benefits, international emergency coverage, maternity and newborn benefits, annual health check-ups, a 24-month pre-existing disease waiting period and Loyalty Additions of up to 100%.
Best For:
Customers who value additional benefits beyond hospitalisation: Platinum includes annual health check-ups, second medical opinions for specified conditions or procedures, Loyalty Additions and a Re-fill benefit.
People who want international emergency protection: The plan includes specified international emergency benefits, with an optional enhanced geographical scope for the USA and Canada.
Couples planning to have children: Eligible policy structures include maternity benefits, newborn cover and first-year vaccinations, subject to waiting periods and limits.
People who use outpatient healthcare regularly: The plan includes OPD treatment, diagnostic tests and prescribed medicines within the applicable annual limit.
Families seeking higher health cover: Platinum offers Individual/Family Floater Sum Insured options from ₹15 lakh to ₹1 crore, helping families plan for potentially expensive hospitalisation.
Insurance Plans Comparison
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Quick Decision Guide
Not available
Compare optional costs and policy limits: Evaluate deductibles, voluntary co-payment, room eligibility, disease sublimits and the Re-fill conditions. A lower premium may mean paying more out of pocket when making a claim.
Choose your geographical coverage carefully: Review Zone 1 and Zone 2 pricing and understand where the 20% co-payment applies. If international protection matters, check the optional USA and Canada geographical enhancement and its exclusions.
Read the maternity and newborn conditions: Check the applicable waiting period, maternity limit, eligible policy structure and newborn benefits before choosing the plan.
Calculate your likely OPD expenses: Compare the annual OPD limit with your expected spending on consultations, diagnostics and prescribed medicines. Review the carry-forward conditions and eligible expenses in the policy wording.
Select the right Sum Insured: Compare ₹15 lakh, ₹20 lakh, ₹50 lakh and ₹1 crore options against your family's medical needs, location and budget. Family First Platinum uses a different per-person and floater structure.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Multiplier Health Health Insurance Plan VS VS |
HeartBeat Platinum Health Insurance Plan |
| Room Rent |
|---|
Multiplier Health Covered up to Sum Insured Covered up to Sum Insured |
VS VS |
HeartBeat Platinum Covered up to Sum Insured for eligible room categories, excluding Suite or higher categories. |
| Advanced Treatments |
|---|
Multiplier Health Covered up to Sum Insured |
VS VS |
HeartBeat Platinum Information Unavailable |
| ICU Charges |
|---|
Multiplier Health Information Unavailable |
VS VS |
HeartBeat Platinum Covered up to Sum Insured as part of inpatient care, subject to policy terms. |
| Co-payment |
|---|
Multiplier Health No mandatory co-pay |
VS VS |
HeartBeat Platinum No mandatory co-payment with Zone 1 pricing, which offers all-India coverage. Under Zone 2 pricing, a 20% co-payment applies to treatment in Mumbai, including Navi Mumbai and Thane, Delhi NCR, Kolkata and Gujarat. Optional voluntary co-payment of 10% or 20% is available for a premium discount. |
| Disease-wise sublimits |
|---|
Multiplier Health Information Unavailable |
VS VS |
HeartBeat Platinum HIV/AIDS: up to ₹50,000 after a 4-year waiting period. Mental disorder treatment: covered up to SI, with a ₹50,000 sublimit for specified conditions after a 3-year waiting period. Maternity limits apply as listed above. Non-network emergency ambulance: up to ₹2,000 per event; network ambulance: up to SI. |
| Waiting Period |
|---|
Multiplier Health 30 Days 36 Months 24 Months |
VS VS |
HeartBeat Platinum Information Unavailable |
| Cashless Healthcare Providers |
|---|
Multiplier Health Cashless Available |
VS VS |
HeartBeat Platinum Cashless treatment is available at Niva Bupa network hospitals. The HeartBeat brochure refers to 10,000+ hospitals, an approximate network figure. Niva Bupa also advertises a 30-minute cashless pre-authorisation commitment, subject to the applicable process and required documents. |
| Restoration Benefit |
|---|
Multiplier Health Information Unavailable |
VS VS |
HeartBeat Platinum Re-fill Benefit: once per policy year, up to 100% of Base SI when Base SI and Loyalty Additions are partly or fully used. It can be used for subsequent claims for the same or a different illness, subject to policy conditions. The benefit is not available under Family First. |
| Daycare Treatment |
|---|
Multiplier Health Covered up to Sum Insured |
VS VS |
HeartBeat Platinum All eligible day-care treatments are covered up to Sum Insured, subject to policy terms. |
| Cumulative Bonus |
|---|
Multiplier Health Information Unavailable |
VS VS |
HeartBeat Platinum Loyalty Additions increase the expiring Base Sum Insured by 10% at each renewal, up to a maximum of 100% of Base SI, irrespective of claims. The increase does not raise benefit sublimits |
| AYUSH Treatment |
|---|
Multiplier Health Covered up to Sum Insured |
VS VS |
HeartBeat Platinum Covers eligible inpatient treatment under Ayurveda, Unani, Siddha and Homeopathy up to Sum Insured, subject to policy terms. |
| Consumable Cover |
|---|
Multiplier Health Information Unavailable |
VS VS |
HeartBeat Platinum Allowable consumables during hospitalisation are covered. Items included in the applicable non-payable list are excluded. |
| Initial Waiting Period |
|---|
Multiplier Health Information Unavailable |
VS VS |
HeartBeat Platinum 30 days for illnesses. Accidents are covered from day one. The initial waiting period is waived for insured persons with 12 or more months of continuous coverage, subject to policy terms. |
| Specific Waiting Period |
|---|
Multiplier Health Information Unavailable |
VS VS |
HeartBeat Platinum 24 months for listed conditions such as cataract, hernia, joint replacement, piles and stones. This applies only to insured persons above 45 years at first policy inception. No specific waiting period applies to those aged 45 or below at entry. |
| PED Waiting Period |
|---|
Multiplier Health Information Unavailable |
VS VS |
HeartBeat Platinum 24 months of continuous coverage for declared pre-existing diseases. |
| Modern Treatment |
|---|
Multiplier Health Information Unavailable |
VS VS |
HeartBeat Platinum Covers 12 listed modern treatments, including robotic surgery, oral chemotherapy, immunotherapy and stem cell therapy, up to Sum Insured. A ₹1 lakh sublimit applies to certain robotic surgeries. |
| Annual Health Checkup |
|---|
Multiplier Health Information Unavailable |
VS VS |
HeartBeat Platinum Annual health check-ups from the second policy year, on a cashless basis through empanelled providers. Test value: ₹3,750 for ₹15 lakh SI and ₹5,000 for ₹20 lakh, ₹50 lakh and ₹1 crore SI. Family First Platinum provides ₹5,000 per insured person. |
| Pre-Hospitalisation |
|---|
Multiplier Health Information Unavailable |
VS VS |
HeartBeat Platinum Covered for 60 days, up to Sum Insured. |
| Post-Hospitalisation |
|---|
Multiplier Health Information Unavailable |
VS VS |
HeartBeat Platinum Covered for 90 days, up to Sum Insured. |
| Outpatient Department Cover (OPD Expense) |
|---|
Multiplier Health Information Unavailable |
VS VS |
HeartBeat Platinum Covers eligible outpatient treatment, diagnostic tests and prescribed medicines. Limits: ₹15,000 for ₹15 lakh SI; ₹20,000 for ₹20 lakh SI; ₹35,000 for ₹50 lakh SI; ₹50,000 for ₹1 crore SI. Family First Platinum: ₹35,000. Subject to policy terms. |
| Deductible Option |
|---|
Multiplier Health Information Unavailable |
VS VS |
HeartBeat Platinum Optional annual aggregate deductible options are available for eligible Individual/Family Floater policies: ₹10,000, ₹20,000, ₹30,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh, ₹5 lakh or ₹10 lakh. |
| Coverage Options |
|---|
Multiplier Health Information Unavailable |
VS VS |
HeartBeat Platinum Individual/Family Floater Platinum offers Base SI of ₹15 lakh, ₹20 lakh, ₹50 lakh and ₹1 crore. Family First Platinum has a separate per-person and floater Sum Insured structure. Policy terms of 1 or 2 years are available, subject to the applicable option. |
| Claim Settlement Ratio |
|---|
Multiplier Health Information Unavailable |
VS VS |
HeartBeat Platinum 96.0% of HeartBeat claims settled by number in FY 2025-26, according to the insurer's product-level public disclosure. Company-level figure reported in the annual report: 94.4%. |
| Maternity Cover |
|---|
Multiplier Health Information Unavailable |
VS VS |
HeartBeat Platinum Covers up to two pregnancies or terminations under eligible policy structures after the applicable waiting period. Individual/Family Floater Platinum limits: ₹1.2 lakh for ₹15 lakh SI; ₹1.6 lakh for ₹20 lakh SI; ₹2 lakh for ₹50 lakh and ₹1 crore SI. Newborn cover and first-year vaccinations are included subject to policy conditions. |
Insurance Plans Comparison
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