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Insurance Plans Comparison

HDFC ERGO Energy Gold Without Copay vs Aditya Birla Active Assure Diamond

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

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HDFC ERGO

Energy Gold Without Copay

Cover diabetes and hypertension from day one with no co-pay, including cashless wellness tests at network centres, a one-time 100% restore and a 10% yearly bonus even after claims, up to 100% of the sum insured.

What Makes It Special:

Energy is written specifically for people already diagnosed with Type I or Type II diabetes, pre-diabetes or hypertension, and covers hospitalisation arising out of those conditions from the first day of the policy rather than after a pre-existing disease waiting period; this configuration pairs that with no co-payment on admissible...

Best For:

  • People who will actively use the wellness programme and reward points to bring down renewal premium

  • Buyers who want the cost of regular HbA1c and metabolic monitoring built into the policy rather than paid out of pocket

  • People with hypertension or pre-diabetes seeking hospitalisation cover for that condition without waiting two or more years

  • Buyers who want their admissible claims paid without contributing a 20% share of each one

  • Individuals already diagnosed with Type I or Type II diabetes who would otherwise face a long pre-existing disease waiting period on a standard health plan

VS
Aditya Birla

Active Assure Diamond

Reload up to 150% of the sum insured, capped at ₹50 lakh, for a later unrelated illness, and earn up to 30% of your premium as HealthReturns, with 586 listed day-care procedures covered.

What Makes It Special:

Activ Assure Diamond is a budget-friendly, new-age health plan from Aditya Birla that combines no-room-rent-capping coverage, modern treatment cover, wellness rewards, and a reload benefit of up to 150% of Sum Insured in one affordable package.

Best For:

  • Those wanting accidental and cancer hospitalisation boosters

  • Customers looking for modern treatment coverage like robotic surgeries and oral chemotherapy

  • People wanting wellness-linked premium rewards(HealthReturns™)

  • Buyers who want no capping on room rent for higher Sum Insured options

  • Families and individuals looking for affordable, comprehensive coverage

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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

  • This is an individual-only policy with no floater option, so if a spouse or parent also needs cover, budget for separate policies rather than adding them to this one.

  • Use network centres for the wellness tests: at an approved non-network centre reimbursement is capped at ₹2,000, and at a non-approved centre nothing is reimbursed and no reward points are earned.

  • Gold costs more than Silver because it includes the wellness test cost, so compare that premium difference against what the two tests would cost you privately each year.

  • The day-one cover applies to hospitalisation arising out of diabetes and hypertension only, so any other pre-existing condition still waits 24 months and should be declared at proposal.

  • This configuration costs more than the 20% co-payment version, so compare the extra premium against what a 20% share of a realistic claim at your sum insured would actually cost you.

  • Check the waiting periods and daycare treatment caps carefully before purchase

  • May not suit buyers looking for in-built OPD or maternity coverage

  • Suitable for buyers who want extra cover for accidental or cancer hospitalisation through boosters

  • Useful for people who want to earn up to 30% of premium back through HealthReturns™ wellness rewards

  • Good option if you want a budget-friendly plan with no room rent capping on higher Sum Insured options

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Energy Gold Without Copay
Energy Gold Without Copay

Health Insurance Plan

VS
Active Assure Diamond
Active Assure Diamond

Health Insurance Plan

Brochure

Room Rent

Energy Gold Without Copay

  1. Normal: no capping on room rent 
  2. ICU: no limit
VS

Active Assure Diamond

Normal: Varies by variant — General Room / Twin Sharing / All rooms except Deluxe & Suite / Any room covered

ICU: Covered up to Sum Insured

ICU Charges

Energy Gold Without Copay

Not specified

VS

Active Assure Diamond

Covered up to the Sum Insured.

No separate capping applies on ICU charges when room rent is unrestricted.

Advanced Treatments

Energy Gold Without Copay

  1. Robotic Surgery
  2. Stem Cell Therapy
  3. Organ Transplant
  4. Targeted & Immunotherapy
  5. Bariatric Surgery
  6. Advanced Cardiac Care
  7. Proton Beam Therapy
VS

Active Assure Diamond

Information Unavailable

Co-payment

Energy Gold Without Copay

No copayment 

VS

Active Assure Diamond

Not a core feature of this variant — verify availability from policy wordings.

Disease-wise sublimits

Energy Gold Without Copay

Information Unavailable

VS

Active Assure Diamond

Certain treatments carry sub-limits — for example, domiciliary hospitalisation is capped at 10% of Sum Insured.

Cashless Healthcare Providers

Energy Gold Without Copay

16,000 cashless healthcare providers.

VS

Active Assure Diamond

Cashless treatment available at 10,051+ network hospitals across India.

Restoration Benefit

Energy Gold Without Copay

Restore Benefit stated as available; the restoration amount, number of restorations and conditions are Not specified in the available literature

VS

Active Assure Diamond

Reload of Sum Insured up to 150%, max up to ₹50 lakh, when the Sum Insured gets exhausted.

Cumulative Bonus

Energy Gold Without Copay

Stated as available; the bonus percentage, cap and conditions are Not specified.

VS

Active Assure Diamond

Earn 10% of Sum Insured per claim-free year, accumulating up to 50% of Sum Insured. The Super No Claim Bonus add-on doubles your Sum Insured after 2 consecutive claim-free years (not available above ₹1 Cr SI).

Accumulated bonus reduces if a claim is made; Super NCB requires continuous renewal without break.

Daycare Treatment

Energy Gold Without Copay

Covered under the policy. 

VS

Active Assure Diamond

586 daycare procedures covered, even when hospitalisation is less than 24 hours.

AYUSH Treatment

Energy Gold Without Copay

Covered under this policy

VS

Active Assure Diamond

Covered — in-patient hospitalisation at AYUSH hospitals is covered subject to policy terms.

Consumable Cover

Energy Gold Without Copay

Information Unavailable

VS

Active Assure Diamond

Non-medical consumables such as gloves, oxygen masks, and similar items used during hospitalisation are covered.

Covered within the Sum Insured, subject to policy terms.

Initial Waiting Period

Energy Gold Without Copay

Not specified. No waiting period applies to hospitalisation arising out of diabetes or hypertension

VS

Active Assure Diamond

30 days from policy inception for general illnesses(verify from policy wordings).

Accidental hospitalisation is covered from day 1.

Specific Waiting Period

Energy Gold Without Copay

24 months for specified diseases including cataract, hernia, joint replacement surgeries and surgery of hydrocele

VS

Active Assure Diamond

2 years for listed specific diseases/procedures(verify from policy wordings.

Coverage begins only after the waiting period is served with continuous renewal.

PED Waiting Period

Energy Gold Without Copay

24 months for pre-existing conditions other than diabetes or hypertension; diabetes and hypertension covered from day one. Waiting periods reduce by 1 year on each continuous renewal

VS

Active Assure Diamond

2 years for pre-existing diseases(per Policybazaar; verify from policy wordings — some sources indicate 3 years, so confirm before purchase.

PED coverage begins after the waiting period, subject to continuous renewal.

Modern Treatment

Energy Gold Without Copay

Not specified

VS

Active Assure Diamond

Covered for listed modern treatment methods, including Robotic Surgeries, Oral Chemotherapy, Balloon Sinuplasty, and other new-age treatments, with no separate financial limit on modern treatment coverage.

Coverage is subject to the treatment being listed in the policy and medically necessary.

Annual Health Checkup

Energy Gold Without Copay

Two wellness tests per policy year, cost included under the Gold plan — cashless at network centres, up to ₹2,000 reimbursed at an approved non-network centre, nil at a non-approved centre

VS

Active Assure Diamond

Cashless annual health check-up available from day 1 through the insurer's app/network.

Check-up must be availed through the designated channel and is subject to network availability.

Pre-Hospitalisation

Energy Gold Without Copay

30 days

VS

Active Assure Diamond

Pre-hospitalisation medical expenses covered up to the Sum Insured for 30 days prior to hospitalisation.

Post-Hospitalisation

Energy Gold Without Copay

60 days

VS

Active Assure Diamond

Post-hospitalisation medical expenses covered up to the Sum Insured for 60 days following discharge.

Outpatient Department Cover (OPD Expense)

Energy Gold Without Copay

Not covered as a benefit. Reward points can instead reimburse up to 25% of renewal premium towards medical expenses such as consultations, medicines, diagnostics and dental expenses not covered under any medical insurance

VS

Active Assure Diamond

Not available as in-built OPD cover in this variant.

Deductible Option

Energy Gold Without Copay

Not specified

VS

Active Assure Diamond

Not a core feature of this variant — verify availability from policy wordings.

Coverage Options

Energy Gold Without Copay

Individual only — no family floater option

VS

Active Assure Diamond

Sum Insured options from ₹2 lakh up to ₹2 crore, with flexible choices based on budget and family needs.

Claim Settlement Ratio

Energy Gold Without Copay

97.45%

VS

Active Assure Diamond

Aditya Birla Health Insurance maintains a strong claim settlement track record; the exact ratio for this variant should be verified from the latest IRDAI annual report.

Maternity Cover

Energy Gold Without Copay

Not covered — pregnancy is excluded

VS

Active Assure Diamond

Not available as an in-built benefit in this variant.

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

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Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

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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

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Energy Gold Without Copay Vs Active Assure Diamond

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