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Insurance Plans Comparison

Niva Bupa HeartBeat Enhanced vs Star Cardiac Care 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 Enhanced

HeartBeat Enhanced Explore Niva Bupa HeartBeat health insurance, including hospitalisation benefits, wellness features and optional coverage, subject to the selected plan and policy terms.

What Makes It Special:

Comprehensive health insurance

Best For:

  • Customers considering international emergency protection: The Platinum plan offers an optional Enhanced Geographical Scope for International Coverage add-on that extends specified benefits to the USA and Canada.

  • People comparing wellness and additional benefits: HeartBeat documentation includes health check-ups and other benefits, with eligibility and limits depending on the plan.

  • Customers who value pre- and post-hospitalisation cover: The current product wording provides 60 days before hospitalisation and 90 days after discharge, subject to an admissible claim.

  • People looking for hospitalisation cover: The product covers eligible inpatient treatment and specified related medical expenses, subject to policy conditions.

  • Families seeking health insurance: HeartBeat offers documented Individual, Family Floater and Family First structures, depending on the plan.

VS
Star

Cardiac Care Platinum

Health cover for heart patients with cardiac cover from day 31, plus non-cardiac, OPD and health check-up benefits.

What Makes It Special:

A specialised health plan for people who have already had heart treatment, including cardiac surgery or a procedure. It covers heart-related hospitalisation after 30 days, as well as non-cardiac illness and accident cover, OPD expenses and an annual health check-up.

Best For:

  • Patients who may need cardiac devices such as pacemakers or AICD.

  • People who want heart and non-heart hospitalisation in one plan.

  • People wanting cardiac cover after a 30-day waiting period.

  • Heart patients who find it hard to get a regular health policy.

  • People aged 7 to 70 who have had cardiac surgery or a procedure, such as angioplasty or bypass.

Insurance Plans Comparison

Get Personalized Advice

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

  • Assess whether the international coverage add-on is relevant: The enhanced geographical scope is an optional Platinum benefit for specified international coverage. Confirm the exclusions and terms before choosing it.

  • Evaluate family and maternity requirements: Review the eligibility conditions, waiting periods and limits for maternity and newborn benefits where available.

  • Review room eligibility and cost-sharing: Check room limits, geographical pricing and any applicable co-payment before selecting a plan.

  • Check pre-existing disease waiting periods: The current documentation specifies 24 months for Gold and Platinum and 36 months for Silver.

  • Compare the documented plan options: Review Silver, Gold and Platinum against your required Sum Insured, eligibility and benefit limits.

  • Things to Consider: Maternity is not covered, and the premium is higher than a standard health plan.

  • Things to Consider: Sublimits apply to cataract, cardiac devices, angiogram, rehabilitation and modern treatments.

  • Things to Consider: Restoration does not apply to cardiac claims or modern treatments.

  • Things to Consider: Sum Insured is capped at ₹15 lakh.

  • Things to Consider: Non-cardiac pre-existing diseases have a 36-month waiting period.

  • Reasons to Consider: Cardiac devices up to 50% of SI, heart transplantation and coronary angiogram are specifically covered.

  • Reasons to Consider: OPD expenses and an annual health check-up are paid in addition to the Sum Insured.

  • Reasons to Consider: Hospitalisation includes a single private AC room.

  • Reasons to Consider: No pre-policy medical tests are required, but past medical records must be submitted.

  • Reasons to Consider: Cardiac ailments, including pre-existing heart conditions, are covered after only 30 days.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

HeartBeat Enhanced
HeartBeat Enhanced

Health Insurance Plan

Brochure

VS
Cardiac Care Platinum
Cardiac Care Platinum

Health Insurance Plan

Brochure

Room Rent

HeartBeat Enhanced

Enhanced-specific room category or limit not established.

VS

Cardiac Care Platinum

Single Private A/C Room; proportionate deduction applies for a higher room category, except where the hospital does not use differential billing.

ICU Charges

HeartBeat Enhanced

Variant-specific limit not established for “Enhanced”. Refer to the confirmed plan's policy wording.



VS

Cardiac Care Platinum

Covered as part of hospitalisation expenses up to Sum Insured in Sections 1 and 2; no separate ICU cap stated.

Disease-wise sublimits

HeartBeat Enhanced

Enhanced-specific sublimits not established. Check the confirmed plan's benefit table and policy wording.

VS

Cardiac Care Platinum

Cataract: ₹30,000 per eye (maximum ₹40,000 per year) for SI ₹5L; ₹40,000 per eye (maximum ₹60,000 per year) for higher SI. Cardiac devices up to 50% of SI; conventional coronary angiogram ₹20,000 for SI up to ₹7.5L or ₹25,000 above; rehabilitation and pain management up to 10% of SI; modern treatment sublimits apply; coronary stents are subject to DPCO/NPPA caps.

Co-payment

HeartBeat Enhanced

Enhanced-specific co-payment terms not established.

VS

Cardiac Care Platinum

No co-payment clause found in the policy documents.

Cashless Healthcare Providers

HeartBeat Enhanced

The HeartBeat brochure refers to a network of 10,000+ hospitals. This is a product-level network statement, not an Enhanced-specific count. Network participation can change.

VS

Cardiac Care Platinum

Cashless treatment is available at Star Health network hospitals for Sections 1 and 2. Reimbursement is available at non-network hospitals; network hospital count requires verification.

Restoration Benefit

HeartBeat Enhanced

Enhanced-specific restoration entitlement and limits not established.

VS

Cardiac Care Platinum

Automatic restoration of 100% of Basic Sum Insured once per policy period under Section 1 only, for unrelated illness; not available for cardiac ailments or modern treatments.

Daycare Treatment

HeartBeat Enhanced

HeartBeat product-level wording covers listed day-care treatments subject to policy terms. Enhanced-specific applicability is not established.

VS

Cardiac Care Platinum

All Day care procedures are covered.

Cumulative Bonus

HeartBeat Enhanced

Variant-specific benefit and limit not established for “Enhanced

VS

Cardiac Care Platinum

10% of the Basic Sum Insured for each claim-free year, up to 100%; not applicable to Section 3 OPD.

Consumable Cover

HeartBeat Enhanced

Variant-specific coverage not established for “Enhanced”. Check the applicable policy terms and exclusions.

VS

Cardiac Care Platinum

Not mentioned as a separate benefit in the policy documents.

AYUSH Treatment

HeartBeat Enhanced

HeartBeat product-level wording provides AYUSH treatment cover up to the Sum Insured, subject to policy terms. Enhanced-specific applicability is not established.

VS

Cardiac Care Platinum

In-patient AYUSH treatment is covered up to the Sum Insured under Sections 1 and 2. Yoga and Naturopathy require prior approval.

Initial Waiting Period

HeartBeat Enhanced

HeartBeat product-level waiting period: 30 days for illnesses, with accidents covered from day one, subject to policy terms. Not confirmed as an Enhanced-specific value.

VS

Cardiac Care Platinum

30 days for illness under Section 1; accidents are covered from day 1. Section 2 cardiac cover also has a 30-day waiting period.

Specific Waiting Period

HeartBeat Enhanced

HeartBeat product-level wording specifies a 24-month waiting period for specified conditions for insured persons above 45 at entry. Confirm applicability against the actual policy schedule and terms.

VS

Cardiac Care Platinum

24 months for listed diseases and procedures in Section 1; 24 months for heart transplantation.

PED Waiting Period

HeartBeat Enhanced

HeartBeat product-level waiting period: 24 months for Gold and Platinum; 36 months for Silver. No separate Enhanced plan has been established.

VS

Cardiac Care Platinum

36 months for non-cardiac pre-existing diseases in Section 1; 30 days for cardiac pre-existing diseases in Section 2.

Modern Treatment

HeartBeat Enhanced

HeartBeat product-level benefit: listed modern treatments are covered subject to the policy terms and applicable limits. Exact limit for an “Enhanced” variant is not established

VS

Cardiac Care Platinum

Covered under Sections 1 and 2, subject to treatment-wise sublimits by Sum Insured. Examples: robotic surgery ₹2.5L–₹4L; oral chemotherapy ₹1.25L–₹2.5L; immunotherapy ₹2.5L–₹5L. Bronchial thermoplasty, prostate vaporisation and IONM are covered up to the Sum Insured. These benefits are part of the Sum Insured.

Annual Health Checkup

HeartBeat Enhanced

Enhanced-specific entitlement and limits not established.

VS

Cardiac Care Platinum

Covered every policy year irrespective of claims at network facilities: ₹2,000 for SI ₹5L and ₹7.5L, ₹3,000 for ₹10L, and ₹4,000 for ₹15L; in addition to the Sum Insured.

Pre-Hospitalisation

HeartBeat Enhanced

HeartBeat product-level cover: 60 days, subject to policy terms. Enhanced-specific applicability is not established.

VS

Cardiac Care Platinum

Up to 30 days before admission.

Post-Hospitalisation

HeartBeat Enhanced

HeartBeat product-level cover: 90 days, subject to policy terms. Enhanced-specific applicability is not established.

VS

Cardiac Care Platinum

Up to 60 days after discharge.

Outpatient Department Cover (OPD Expense)

HeartBeat Enhanced

Enhanced-specific OPD benefit not established

VS

Cardiac Care Platinum

Covered at network facilities, including vaccination, on a reimbursement basis: ₹2,500 / ₹3,000 / ₹3,500 / ₹5,000 per policy period for SI ₹5L / ₹7.5L / ₹10L / ₹15L. In addition to the Sum Insured. Cardiac treatment is payable under Section 2, not under OPD.

Deductible Option

HeartBeat Enhanced

No Enhanced-specific deductible option established.

VS

Cardiac Care Platinum

Not available or mentioned in the policy documents.

Coverage Options

HeartBeat Enhanced

Official HeartBeat plan names are Silver, Gold and Platinum. Available policy structures include Individual, Family Floater and Family First, subject to the applicable plan terms.

VS

Cardiac Care Platinum

Sum Insured ₹5L, ₹7.5L, ₹10L, or ₹15L. Entry age 7–70 years with a past cardiac ailment treated by surgical intervention or procedure. Policy term 1, 2, or 3 years; lifelong renewal.

Claim Settlement Ratio

HeartBeat Enhanced

, according to Niva Bupa's product-level public disclosure. This is a product-level figure, not a separate Enhanced-variant figure.

VS

Cardiac Care Platinum

92.16% of claims settled by number in FY 2025–26.

Maternity Cover

HeartBeat Enhanced

Enhanced-specific maternity benefit not established

VS

Cardiac Care Platinum

Not covered; maternity is excluded under Code Excl 18.

Insurance Plans Comparison

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What Our Experts Help You With

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