How does OneAssure help me compare health insurance policies and choose the best plan?

OneAssure allows you to compare multiple health insurance policies side by side, analyzing coverage, premiums, hospital networks, and benefits to choose the most suitable plan for your needs.

What is the difference between cashless and reimbursement claims in health insurance policies?

Cashless claims let you get treatment at network hospitals without paying upfront, while reimbursement claims require you to pay first and get refunded later.

Does OneAssure provide expert guidance while selecting health insurance with maternity or newborn coverage?

Yes, OneAssure’s insurance experts guide you in selecting plans with maternity benefits, newborn cover, and short waiting periods for family planning needs.

How do co-payment clauses impact health insurance premiums and claim settlements?

Co-payment means you share a part of the claim cost. Opting for co-pay lowers your premium but increases your out-of-pocket expenses.

Which health insurance plan offers the best coverage for critical illnesses and pre-existing diseases?

Plans with comprehensive coverage, minimal waiting periods, and optional critical illness riders are ideal. OneAssure helps identify policies that best meet these requirements.

Can I compare waiting periods and sub-limits for hospitalisation expenses on OneAssure?

Yes, OneAssure’s comparison tool highlights waiting periods, sub-limits, and exclusions so you can choose a policy that maximizes benefits and minimizes restrictions.

What are room rent limits in health insurance, and how do they affect claims?

Room rent limits cap the daily room cost covered by your insurer. Choosing a plan without strict limits ensures higher claim payouts.

Does OneAssure assist with health insurance claims and renewals after I purchase a policy?

Absolutely. OneAssure provides end-to-end support for claims, renewals, and queries, ensuring a hassle-free experience throughout your policy tenure.

How can I check if a health insurance plan covers daycare procedures and modern treatments?

OneAssure’s policy comparison clearly lists daycare and advanced treatment coverage, helping you pick a plan aligned with your healthcare needs.

What documents are needed to buy and claim a health insurance policy online via OneAssure?

To buy a policy, you need ID proof, address proof, and medical details. For claims, hospital bills, prescriptions, and discharge summaries are required.

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Compare Health Insurance Plans

Young Star Gold Vs Heartbeat Platinum

Insurance Plans Comparison

Star Young Star Gold vs Niva Bupa HeartBeat Platinum

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare coverage, benefits, and premiums to find the perfect plan for your needs.

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

Young Star Gold

Star Health Young Star Gold Plan

What Makes It Special:

Star Young Star Gold is a smart health insurance plan designed for young adults, offering sum insured options from ₹3 lakh up to ₹1 crore. The plan covers hospitalization, daycare procedures, pre and post-hospitalization expenses, and provides cashless treatment across a wide hospital network. It features no pre-acceptance medical screening,...

Best For:

Young families using a floater policy
Customers wanting automatic restoration
Flexible payment and coverage options
Comprehensive high-limit individual and floater
Smart young adult health protection

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

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.

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Quick Decision Guide

Star Young Star Gold

You seek automatic sum insured restoration
You enjoy wellness rewards and teleconsultations
You value maternity and newborn benefits included
You want cashless treatments at many hospitals
You prefer no medical screening for easy entry
You want broad coverage up to ₹1 crore

Niva Bupa HeartBeat Platinum

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

Young Star Gold

Health Insurance Plan

Brochure

Policy Wording

VS

HeartBeat Platinum

Health Insurance Plan

Brochure

Room Rent
Young Star Gold Single Private Room is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category	HeartBeat Platinum Covered up to Sum Insured for eligible room categories, excluding Suite or higher categories.

ICU Charges
Young Star Gold No restriction on ICU room rent	HeartBeat Platinum Covered up to Sum Insured as part of inpatient care, subject to policy terms.

Disease-wise sublimits
Young Star Gold Yes, certain diseases have coverage limits	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.

Co-payment
Young Star Gold Not Available	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.

Cashless Healthcare Providers
Young Star Gold 13000+ Healthcare Providers	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
Young Star Gold Sum insured restores to 100% after each claim during the policy year	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.

Cumulative Bonus
Young Star Gold Sum insured increases by 20% every year, up to 100% max	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

Daycare Treatment
Young Star Gold Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured	HeartBeat Platinum All eligible day-care treatments are covered up to Sum Insured, subject to policy terms.

Consumable Cover
Young Star Gold Yes	HeartBeat Platinum Allowable consumables during hospitalisation are covered. Items included in the applicable non-payable list are excluded.

AYUSH Treatment
Young Star Gold Covers AYUSH treatment expenses up to your annual sum insured during the policy period	HeartBeat Platinum Covers eligible inpatient treatment under Ayurveda, Unani, Siddha and Homeopathy up to Sum Insured, subject to policy terms.

Initial Waiting Period
Young Star Gold 30 days.	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
Young Star Gold 1 year	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
Young Star Gold 1 year	HeartBeat Platinum 24 months of continuous coverage for declared pre-existing diseases.

Modern Treatment
Young Star Gold Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period	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
Young Star Gold Health check-up is available once every policy year, from day 1 of the policy	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
Young Star Gold You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved	HeartBeat Platinum Covered for 60 days, up to Sum Insured.

Post-Hospitalisation
Young Star Gold You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it	HeartBeat Platinum Covered for 90 days, up to Sum Insured.

Outpatient Department Cover (OPD Expense)
Young Star Gold Not covered under base plan (available as add-on)	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
Young Star Gold Available as an option	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
Young Star Gold Available coverage options:₹3L, ₹5L, 10L, 15L, 20L, 25L, 50L, 75L and 1 Cr	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
Young Star Gold 82.31%	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
Young Star Gold Available	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

Detailed Features Comparison

Compare the key features of different health insurance plans

Young Star Gold

Health Insurance Plan

Brochure

Policy Wording

VS

HeartBeat Platinum

Health Insurance Plan

Brochure

Room Rent
Young Star Gold Single Private Room is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category
VS VS
HeartBeat Platinum Covered up to Sum Insured for eligible room categories, excluding Suite or higher categories.

ICU Charges
Young Star Gold No restriction on ICU room rent
VS VS
HeartBeat Platinum Covered up to Sum Insured as part of inpatient care, subject to policy terms.

Disease-wise sublimits
Young Star Gold Yes, certain diseases have coverage limits
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.

Co-payment
Young Star Gold Not Available
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.

Cashless Healthcare Providers
Young Star Gold 13000+ Healthcare Providers
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
Young Star Gold Sum insured restores to 100% after each claim during the policy year
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.

Cumulative Bonus
Young Star Gold Sum insured increases by 20% every year, up to 100% max
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

Daycare Treatment
Young Star Gold Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured
VS VS
HeartBeat Platinum All eligible day-care treatments are covered up to Sum Insured, subject to policy terms.

Consumable Cover
Young Star Gold Yes
VS VS
HeartBeat Platinum Allowable consumables during hospitalisation are covered. Items included in the applicable non-payable list are excluded.

AYUSH Treatment
Young Star Gold Covers AYUSH treatment expenses up to your annual sum insured during the policy period
VS VS
HeartBeat Platinum Covers eligible inpatient treatment under Ayurveda, Unani, Siddha and Homeopathy up to Sum Insured, subject to policy terms.

Initial Waiting Period
Young Star Gold 30 days.
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
Young Star Gold 1 year
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
Young Star Gold 1 year
VS VS
HeartBeat Platinum 24 months of continuous coverage for declared pre-existing diseases.

Modern Treatment
Young Star Gold Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period
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
Young Star Gold Health check-up is available once every policy year, from day 1 of the policy
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
Young Star Gold You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved
VS VS
HeartBeat Platinum Covered for 60 days, up to Sum Insured.

Post-Hospitalisation
Young Star Gold You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it
VS VS
HeartBeat Platinum Covered for 90 days, up to Sum Insured.

Outpatient Department Cover (OPD Expense)
Young Star Gold Not covered under base plan (available as add-on)
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
Young Star Gold Available as an option
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
Young Star Gold Available coverage options:₹3L, ₹5L, 10L, 15L, 20L, 25L, 50L, 75L and 1 Cr
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
Young Star Gold 82.31%
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
Young Star Gold Available
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

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.

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24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

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

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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

Secure against age-related medical costs
Tailored for seniors healthcare needs

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

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

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

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.

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HeartBeat Platinum vs Elevate (Direct)

HeartBeat Platinum vs Extra Care Plus Super Top-up

HeartBeat Platinum vs Health Care Supreme Smart

HeartBeat Platinum vs Smart Health Pro

HeartBeat Platinum vs Medi Classic Gold

HeartBeat Platinum vs Optima Super Secure

HeartBeat Platinum vs Special Care

HeartBeat Platinum vs Medicare LITE

HeartBeat Platinum vs Health Shield 360

HeartBeat Platinum vs SecureHealth

HeartBeat Platinum vs Supreme (Direct)

HeartBeat Platinum vs Plus

HeartBeat Platinum vs Mediclaim Insurance Policy

HeartBeat Platinum vs Medicare Select

HeartBeat Platinum vs Health Gain

HeartBeat Platinum vs myHealth Koti Suraksha

HeartBeat Platinum vs Senior

HeartBeat Platinum vs myHealth Suraksha Silver

HeartBeat Platinum vs Cardiac Care Platinum

HeartBeat Platinum vs Royal Sundaram Lifeline Elite

HeartBeat Platinum vs Super Surplus Gold

HeartBeat Platinum vs Supreme Enhance One

HeartBeat Platinum vs Supreme Enhance Two

HeartBeat Platinum vs HeartBeat Gold

HeartBeat Platinum vs Health SuperCharge

HeartBeat Platinum vs Aspire Titanium+

HeartBeat Platinum vs iHealth Plus

HeartBeat Platinum vs ProHealth Prime Advantage

HeartBeat Platinum vs Active Fit Preferred

HeartBeat Platinum vs Reassure 3.0 Classic

HeartBeat Platinum vs Senior Health Advantage

HeartBeat Platinum vs Health Wallet

HeartBeat Platinum vs Elevate

HeartBeat Platinum vs Heart

HeartBeat Platinum vs LifeTime Health

HeartBeat Platinum vs Reassure 2.0 Titanium+

HeartBeat Platinum vs ProHealth Prime Active

HeartBeat Platinum vs ProHealth Prime Senior Elite

HeartBeat Platinum vs Advanced Top Up

HeartBeat Platinum vs Multiplier Health

HeartBeat Platinum vs Diabetes Safe Plan A

HeartBeat Platinum vs Reassure 2.0 Bronze+

HeartBeat Platinum vs Enhance Super Top-up

HeartBeat Platinum vs Young Star Silver

HeartBeat Platinum vs Star Women Care Policy

HeartBeat Platinum vs Joy

HeartBeat Platinum vs Supreme Senior Health AdvantEdge

HeartBeat Platinum vs Family Plus

HeartBeat Platinum vs Criti Shield Plus

HeartBeat Platinum vs Health Care Supreme Ultimo

HeartBeat Platinum vs Health Shield 360 Retail

HeartBeat Platinum vs Super Star

HeartBeat Platinum vs Supreme Super Saver

HeartBeat Platinum vs Senior First Platinum

HeartBeat Platinum vs Optima Secure Global

HeartBeat Platinum vs NextGen

HeartBeat Platinum vs Health Insurance Platinum

HeartBeat Platinum vs Energy Silver With Copay

HeartBeat Platinum vs Optima Secure

HeartBeat Platinum vs Super Mediclaim

HeartBeat Platinum vs Health Recharge

HeartBeat Platinum vs Cancer Cover Activ Cancer Secure Plan

HeartBeat Platinum vs Optima Secure Plus

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