Niva Bupa Health Insurance Heart Beat Gold vs Niva Bupa Health Insurance Senior First Gold Plan

The shared Room is covered.

No restriction on ICU room rent

No restriction on ICU room rent

Covered up to Sum Insured

Including robotic surgeries, stem cell therapy (for specific conditions), and modern procedures like laser treatments and bariatric surgery.

Yes

No

Optional

Yes, 50%

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

Not Available.

10000+ Healthcare Providers

10000+ Healthcare Providers

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

Not Available

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

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

Yes

Not Available

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

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

90 days.

30 days.

2 years

2 years

3 years

2 years

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

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

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

Not Available

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

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

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

OPD expenses are not available

OPD expense is not included

Available as an option

Available

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

Available coverage options: ₹5L, ₹10L

90.10%

90.10%

Available with capping based on base sum insured.

Not Available