Insurance Plans Comparison
Aditya Birla Activ One Max vs HDFC ERGO Energy Silver With Copay
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreWhat Makes It Special:
Aditya Birla Activ One MAX is an all-encompassing health insurance plan offering coverage from ₹2 lakh up to ₹6 crore, ideal for individuals and families. It includes unlimited room rent and hospitalisation expenses, Super Reload unlimited sum insured refills, Super Credit sum boosts up to 500%, and HealthReturns™ that reward...
Best For:
High-Sum Insured Premium Plan
Wellness Reward-Based Health Insurance
Unlimited Restoration Medical Coverage
Advanced Family Floater Protection
VS
Energy Silver With Copay
HDFC ERGO Energy Silver Plan
What Makes It Special:
Energy Silver focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.
Best For:
Day-one coverage, no waiting period
Reward-based health insurance plan
Comprehensive wellness-focused protection
Dedicated diabetes and hypertension coverage
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
Ultra‑high coverage up to ₹6 crore
Unlimited super‑reload sum insured refills
HealthReturns™ rewards boost wellness savings
No room rent or co‑payment restrictions
Chronic care and enhanced add‑on protection
You need pre and post-hospitalization costs covered
You appreciate restore and cumulative bonus on sum insured
You want reward points for maintaining health
You need day-one hospitalization, no waiting period
You want health cover for diabetes or hypertension
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
 Activ One Max Health Insurance Plan VS VS |
Energy Silver With Copay Health Insurance Plan |
| Room Rent |
|---|
Activ One Max All room categories are covered |
VS VS |
Energy Silver With Copay All room categories are covered |
| ICU Charges |
|---|
Activ One Max No restriction on ICU room rent |
VS VS |
Energy Silver With Copay No restriction on ICU room rent |
| Co-payment |
|---|
Activ One Max Available as an option |
VS VS |
Energy Silver With Copay Available as an option |
| Disease-wise sublimits |
|---|
Activ One Max No |
VS VS |
Energy Silver With Copay No |
| Cashless Healthcare Providers |
|---|
Activ One Max 11000+ Healthcare Providers |
VS VS |
Energy Silver With Copay 15,000+ Healthcare Providers |
| Restoration Benefit |
|---|
Activ One Max Yes, your sum insured restores to 100% unlimited times after your second claim, for both related and unrelated illnesses |
VS VS |
Energy Silver With Copay Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses |
| Cumulative Bonus |
|---|
Activ One Max Your sum insured increases by 100% every year up to 500%, maximum 3cr |
VS VS |
Energy Silver With Copay Your sum insured increases by 10% every year, maximum up to 100% |
| Daycare Treatment |
|---|
Activ One Max Covers medical expenses for treatments not requiring 24-hour hospitalisation, up to your annual sum insured |
VS VS |
Energy Silver With Copay Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Consumable Cover |
|---|
Activ One Max Yes |
VS VS |
Energy Silver With Copay Yes |
| AYUSH Treatment |
|---|
Activ One Max Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Energy Silver With Copay Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Initial Waiting Period |
|---|
Activ One Max 30 days |
VS VS |
Energy Silver With Copay 30 days |
| Specific Waiting Period |
|---|
Activ One Max 2 years |
VS VS |
Energy Silver With Copay 2 years |
| PED Waiting Period |
|---|
Activ One Max 3 years |
VS VS |
Energy Silver With Copay 2 years |
| Modern Treatment |
|---|
Activ One Max Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
Energy Silver With Copay Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Activ One Max Health check-up is available from the first policy year |
VS VS |
Energy Silver With Copay Health check-up is available twice every policy year, from day 1 of the policy |
| Pre-Hospitalisation |
|---|
Activ One Max You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved |
VS VS |
Energy Silver With Copay You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Activ One Max You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it |
VS VS |
Energy Silver With Copay You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
Activ One Max OPD expense is not included |
VS VS |
Energy Silver With Copay OPD expense is not included |
| Deductible Option |
|---|
Activ One Max Available as an option |
VS VS |
Energy Silver With Copay Not available |
| Coverage Options |
|---|
Activ One Max Available coverage options: ₹5L, ₹7L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr and ₹2 Cr |
VS VS |
Energy Silver With Copay Available coverage options: ₹2L, 3L, 5L, 10L, 20L, 25L, 50L |
| Claim Settlement Ratio |
|---|
Activ One Max 96% |
VS VS |
Energy Silver With Copay 95% |
| Maternity Cover |
|---|
Activ One Max Not available |
VS VS |
Energy Silver With Copay Not available |
Insurance Plans Comparison
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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
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
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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
Most Popular
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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