Insurance Plans Comparison
HDFC ERGO Energy Gold Without Copay vs Aditya Birla Active Care Premier
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreEnergy 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
Active Care Premier
Get cover from age 55 in a single private room, with a 10% co-pay, a once-a-year reload of the full sum insured, and home treatment covered up to ₹50,000.
What Makes It Special:
Activ Care Premier is a senior citizen-focused health plan from Aditya Birla that upgrades classic senior cover with a Single Private Room, consumables coverage,and home care support, all with a shorter 2-year PED waiting period.
Best For:
Those looking for wellness-linked premium rewards
Buyers who prefer treatment at home through home care and domiciliary options
Those wanting a private room during hospitalisation
People managing chronic conditions like diabetes or hypertension
Senior citizens aged 46 to75 years
Insurance Plans Comparison
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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 20% co-payment and disease-wise sub-limits carefully before purchase
May not suit buyers wanting in-built OPD coverage
Suitable for buyers who value home nursing and domiciliary care options
Useful for people who want consumables coverage in the base plan
Good option if you're a senior wanting private-room comfort with a 2-year PED waiting period
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Energy Gold Without Copay Health Insurance Plan VS VS |
Active Care Premier Health Insurance Plan |
| Room Rent |
|---|
Energy Gold Without Copay
|
VS VS |
Active Care Premier Single Private Room. ICU charges covered up to the Sum Insured. |
| ICU Charges |
|---|
Energy Gold Without Copay Not specified |
VS VS |
Active Care Premier Covered up to the Sum Insured. |
| Advanced Treatments |
|---|
Energy Gold Without Copay
|
VS VS |
Active Care Premier Information Unavailable |
| Co-payment |
|---|
Energy Gold Without Copay No copayment |
VS VS |
Active Care Premier 20% co-payment applies on admissible claims. |
| Disease-wise sublimits |
|---|
Energy Gold Without Copay Information Unavailable |
VS VS |
Active Care Premier Certain treatments carry sub-limits — including domiciliary hospitalisationcapped at10% of Sum Insured,and organ donor expenses up to50% of Sum Insured. |
| Cashless Healthcare Providers |
|---|
Energy Gold Without Copay 16,000 cashless healthcare providers. |
VS VS |
Active Care Premier Cashless treatment available at 11,000+ 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 VS |
Active Care Premier 100% of the Sum Insured is restored for subsequent hospitalisations due to a different illnessin the same policy year. |
| Cumulative Bonus |
|---|
Energy Gold Without Copay Stated as available; the bonus percentage, cap and conditions are Not specified. |
VS VS |
Active Care Premier Earn 10% of Base Sum Insured per claim-free year, accumulating up to a maximum of 50%. |
| Daycare Treatment |
|---|
Energy Gold Without Copay Covered under the policy. |
VS VS |
Active Care Premier 586 daycare procedures covered, even when hospitalisationis less than24 hours. |
| AYUSH Treatment |
|---|
Energy Gold Without Copay Covered under this policy |
VS VS |
Active Care Premier Covered for listed AYUSH treatments, subject to policy terms. |
| Consumable Cover |
|---|
Energy Gold Without Copay Information Unavailable |
VS VS |
Active Care Premier Covered in the base plan, including non-medical consumables used during hospitalisation. |
| Initial Waiting Period |
|---|
Energy Gold Without Copay Not specified. No waiting period applies to hospitalisation arising out of diabetes or hypertension |
VS VS |
Active Care Premier 30 days from policy inception for general illnesses. Accidental hospitalisationis 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 VS |
Active Care Premier 2 years for listed specific illnesses and procedures. |
| 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 VS |
Active Care Premier 2 years for pre-existing diseases — a shorter-than-usual waiting period, helpful for seniors managing chronic conditions. |
| Modern Treatment |
|---|
Energy Gold Without Copay Not specified |
VS VS |
Active Care Premier Covered for listed modern treatment methods, subject to the policy's list of covered procedures. |
| 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 VS |
Active Care Premier Available as an add-on — the Advanced Health Check-up covers additional tests like mammography, PAP smear, thyroid function test, TMT, chest X-ray,and abdominal sonography on a cashless basis. |
| Pre-Hospitalisation |
|---|
Energy Gold Without Copay 30 days |
VS VS |
Active Care Premier Pre-hospitalisation medical expenses covered for30 days prior to hospitalisation. |
| Post-Hospitalisation |
|---|
Energy Gold Without Copay 60 days |
VS VS |
Active Care Premier Post-hospitalisation medical expenses covered for60 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 VS |
Active Care Premier Not covered in the base plan. Tele-OPD e-consultationsare available as an add-on. |
| Deductible Option |
|---|
Energy Gold Without Copay Not specified |
VS VS |
Active Care Premier Not a core feature of this variant — verify availability from the policy wordings. |
| Coverage Options |
|---|
Energy Gold Without Copay Individual only — no family floater option |
VS VS |
Active Care Premier Sum Insured options from ₹3 lakh up to ₹10 lakh, designed for senior citizens. |
| Claim Settlement Ratio |
|---|
Energy Gold Without Copay 97.45% |
VS VS |
Active Care Premier Aditya Birla Health Insurance reports a 96% claim settlement ratio(3-year average. |
| Maternity Cover |
|---|
Energy Gold Without Copay Not covered — pregnancy is excluded |
VS VS |
Active Care Premier Not available in this plan. |
Insurance Plans Comparison
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