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Insurance Plans Comparison

Niva Bupa HeartBeat Gold vs Star Health Cardiac Care Silver & Gold Plan

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

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

VS
Star

Health Cardiac Care Silver & Gold Plan

Health Insurance for Individuals with a History of Cardiac Conditions

What Makes It Special:

Cardiac-Focused Health Insurance

Best For:

  • Customers seeking specified modern treatment and eligible AYUSH coverage.

  • Individuals seeking outpatient benefits at network hospitals.

  • Customers comparing Silver and Gold cardiac coverage options.

  • Customers seeking cover for eligible cardiac and non-cardiac hospitalisation.

  • Individuals with a qualifying history of cardiac conditions or procedures.

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

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

Star Health Cardiac Care Silver & Gold Plan

  • Check the outpatient benefit limit and network hospital requirements.

  • Review the room rent limit and post-hospitalisation benefit limit.

  • Check the 10% co-payment applicable from age 61.

  • Understand the 30-day initial waiting period and other applicable waiting periods.

  • Review the 90-day cardiac waiting period.

  • Compare the cardiac coverage offered under Silver and Gold.

  • Check whether you meet the policy’s cardiac eligibility criteria.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

HeartBeat Gold
HeartBeat Gold

Health Insurance Plan

Brochure

VS
Health Cardiac Care Silver & Gold Plan
Health Cardiac Care Silver & Gold Plan

Health Insurance Plan

Room Rent

HeartBeat Gold

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

Health Cardiac Care Silver & Gold Plan

  1. Room, boarding and nursing expenses covered up to ₹5,000 per day.
ICU Charges

HeartBeat Gold

No restriction on ICU room rent

VS

Health Cardiac Care Silver & Gold Plan

Covered as part of eligible hospitalisation expenses, subject to policy terms.

Advanced Treatments

HeartBeat Gold

Covered up to Sum Insured

VS

Health Cardiac Care Silver & Gold Plan

Information Unavailable

Disease-wise sublimits

HeartBeat Gold

Yes

VS

Health Cardiac Care Silver & Gold Plan

Sublimits apply to specified treatments, including cataract and modern treatments.

Co-payment

HeartBeat Gold

Optional

VS

Health Cardiac Care Silver & Gold Plan

10% for insured persons aged 61 years and above at policy purchase or renewal.

Restoration Benefit

HeartBeat Gold

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

VS

Health Cardiac Care Silver & Gold Plan

Not specified.

Cashless Healthcare Providers

HeartBeat Gold

10000+ Healthcare Providers

VS

Health Cardiac Care Silver & Gold Plan

Cashless treatment is available at eligible network hospitals, subject to authorisation and policy conditions.

Cumulative Bonus

HeartBeat Gold

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

VS

Health Cardiac Care Silver & Gold Plan

Not specified.

Daycare Treatment

HeartBeat Gold

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

VS

Health Cardiac Care Silver & Gold Plan

Eligible daycare procedures are covered, subject to policy terms.

Consumable Cover

HeartBeat Gold

Yes

VS

Health Cardiac Care Silver & Gold Plan

Not specified.

AYUSH Treatment

HeartBeat Gold

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

VS

Health Cardiac Care Silver & Gold Plan

Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered up to the Sum Insured, subject to policy terms.

Initial Waiting Period

HeartBeat Gold

90 days.

VS

Health Cardiac Care Silver & Gold Plan

30 days, except for covered accident-related claims.

Specific Waiting Period

HeartBeat Gold

2 years

VS

Health Cardiac Care Silver & Gold Plan

24 months for specified diseases and procedures.

PED Waiting Period

HeartBeat Gold

3 years

VS

Health Cardiac Care Silver & Gold Plan

36 months for pre-existing diseases. Cardiac ailments covered under Section II have a separate 90-day waiting period.

Modern Treatment

HeartBeat Gold

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

VS

Health Cardiac Care Silver & Gold Plan

Specified modern treatments are covered within the applicable treatment limits.

Annual Health Checkup

HeartBeat Gold

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

VS

Health Cardiac Care Silver & Gold Plan

Not specified.

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

Health Cardiac Care Silver & Gold Plan

Covered for up to 30 days before hospital admission.

Post-Hospitalisation

HeartBeat Gold

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

VS

Health Cardiac Care Silver & Gold Plan

Up to 60 days after discharge, limited to 7% of hospitalisation expenses and a maximum of ₹5,000 per hospitalisation.

Outpatient Department Cover (OPD Expense)

HeartBeat Gold

OPD expenses are not available

VS

Health Cardiac Care Silver & Gold Plan

Up to ₹500 per event, subject to a maximum of ₹1,500 per policy period at network hospitals in India.

Deductible Option

HeartBeat Gold

Available as an option

VS

Health Cardiac Care Silver & Gold Plan

Not specified.

Coverage Options

HeartBeat Gold

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

VS

Health Cardiac Care Silver & Gold Plan

Individual coverage with Silver and Gold plan options.

Claim Settlement Ratio

HeartBeat Gold

92.02%

VS

Health Cardiac Care Silver & Gold Plan

Insurer-level metric, not a policy benefit.

Maternity Cover

HeartBeat Gold

Available with capping based on base sum insured.

VS

Health Cardiac Care Silver & Gold Plan

Not covered, except where the policy provides an applicable accident-related exception.

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

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

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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