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Insurance Plans Comparison

Niva Bupa HeartBeat Gold vs Niva Bupa Reassure 2.0 Platinum+

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

Stay in any hospital room except a suite, add 10% of the base sum insured each year up to 100%, and refill the base sum insured once for the same or a different illness.

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
Niva Bupa

Reassure 2.0 Platinum+

Health insurance with recurring additional claim cover and benefits for eligible hospitalisation expenses.

What Makes It Special:

Niva Bupa ReAssure 2.0 Platinum is a top-tier health insurance plan offering sum insured options from ₹5 lakh up to ₹1 crore, with no room rent caps or co-payment. It provides unlimited reinstatement of cover from the first claim (ReAssure Forever) and Booster+, which lets unused cover accumulate up to 5–10× base sum insured. The...

Best For:

  • Comprehensive Premium Health Coverage

  • High-Limit Family Floater Plan

  • Unlimited Restoration Insurance Policy

  • Advanced Treatment Global Care Plan

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

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

Niva Bupa Reassure 2.0 Platinum+

  • You need very high medical coverage limit up to ₹1 crore

  • You prefer unlimited sum insured restoration after every claim

  • You want no room rent or ICU restrictions

  • You value modern treatment and maternity benefits included

  • You enjoy annual health check-ups and wellness perks from day one

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

HeartBeat Gold
HeartBeat Gold

Health Insurance Plan

Brochure

VS
Reassure 2.0 Platinum+
Reassure 2.0 Platinum+

Health Insurance Plan

Brochure

Policy Wording

Room Rent

HeartBeat Gold

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

Reassure 2.0 Platinum+

All room categories are covered

ICU Charges

HeartBeat Gold

No restriction on ICU room rent

VS

Reassure 2.0 Platinum+

No restriction on ICU room rent

Advanced Treatments

HeartBeat Gold

Covered up to Sum Insured

VS

Reassure 2.0 Platinum+

Information Unavailable

Disease-wise sublimits

HeartBeat Gold

Yes

VS

Reassure 2.0 Platinum+

No

Co-payment

HeartBeat Gold

Optional

VS

Reassure 2.0 Platinum+

Not available

Restoration Benefit

HeartBeat Gold

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

VS

Reassure 2.0 Platinum+

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

Cashless Healthcare Providers

HeartBeat Gold

10000+ Healthcare Providers

VS

Reassure 2.0 Platinum+

10,000+ Healthcare Providers

Cumulative Bonus

HeartBeat Gold

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

VS

Reassure 2.0 Platinum+

Your sum insured increases by 100% every year, maximum up to 500%

Daycare Treatment

HeartBeat Gold

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

VS

Reassure 2.0 Platinum+

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

Consumable Cover

HeartBeat Gold

Yes

VS

Reassure 2.0 Platinum+

No. However, available as an add-on

AYUSH Treatment

HeartBeat Gold

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

VS

Reassure 2.0 Platinum+

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

Initial Waiting Period

HeartBeat Gold

90 days.

VS

Reassure 2.0 Platinum+

30 days

Specific Waiting Period

HeartBeat Gold

2 years

VS

Reassure 2.0 Platinum+

2 years

PED Waiting Period

HeartBeat Gold

3 years

VS

Reassure 2.0 Platinum+

3 years

Modern Treatment

HeartBeat Gold

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

VS

Reassure 2.0 Platinum+

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

Annual Health Checkup

HeartBeat Gold

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

VS

Reassure 2.0 Platinum+

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

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

Reassure 2.0 Platinum+

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

Post-Hospitalisation

HeartBeat Gold

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

VS

Reassure 2.0 Platinum+

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

Outpatient Department Cover (OPD Expense)

HeartBeat Gold

OPD expenses are not available

VS

Reassure 2.0 Platinum+

OPD expense is not included

Deductible Option

HeartBeat Gold

Available as an option

VS

Reassure 2.0 Platinum+

Available as an option

Coverage Options

HeartBeat Gold

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

VS

Reassure 2.0 Platinum+

Available coverage options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr

Claim Settlement Ratio

HeartBeat Gold

92.02%

VS

Reassure 2.0 Platinum+

92.02%

Maternity Cover

HeartBeat Gold

Available with capping based on base sum insured.

VS

Reassure 2.0 Platinum+

Not available

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

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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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