Insurance Plans Comparison
HDFC ERGO Energy Gold Without Copay vs Aditya Birla Cancer Cover Activ Cancer Secure Plan
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
Cancer Cover Activ Cancer Secure Plan
Get a lump-sum cancer payout by stage: 50% of the sum insured for early cancer, up to ₹10 lakh, the full sum insured for major cancer, and 150% for advanced cancer, after you survive 7 days.
What Makes It Special:
Cancer Cover focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.
Best For:
- Not available
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
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.
Not available
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Energy Gold Without Copay Health Insurance Plan VS VS |
Cancer Cover Activ Cancer Secure Plan Health Insurance Plan |
| Room Rent |
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Energy Gold Without Copay
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VS VS |
Cancer Cover Activ Cancer Secure Plan
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| ICU Charges |
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Energy Gold Without Copay Not specified |
VS VS |
Cancer Cover Activ Cancer Secure Plan Information Unavailable |
| Advanced Treatments |
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Energy Gold Without Copay
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VS VS |
Cancer Cover Activ Cancer Secure Plan The plan covers Targeted Therapy, Immunotherapy, Proton Therapy, Robotic Surgery, and Bone Marrow Transplant, ensuring advanced cancer treatments with precision, faster recovery, and financial support for critical procedures like radiation, immune-boosting, and transplants.
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| Co-payment |
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Energy Gold Without Copay No copayment |
VS VS |
Cancer Cover Activ Cancer Secure Plan Copayment percentage varies based on age, sum insured, and treatment type. |
| Waiting Period |
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Energy Gold Without Copay Information Unavailable |
VS VS |
Cancer Cover Activ Cancer Secure Plan
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| Cashless Healthcare Providers |
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Energy Gold Without Copay 16,000 cashless healthcare providers. |
VS VS |
Cancer Cover Activ Cancer Secure Plan 24800+ network hospitals |
| Restoration Benefit |
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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 |
Cancer Cover Activ Cancer Secure Plan Information Unavailable |
| Cumulative Bonus |
|---|
Energy Gold Without Copay Stated as available; the bonus percentage, cap and conditions are Not specified. |
VS VS |
Cancer Cover Activ Cancer Secure Plan Information Unavailable |
| Daycare Treatment |
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Energy Gold Without Copay Covered under the policy. |
VS VS |
Cancer Cover Activ Cancer Secure Plan Covered under the policy |
| AYUSH Treatment |
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Energy Gold Without Copay Covered under this policy |
VS VS |
Cancer Cover Activ Cancer Secure Plan AYUSH treatment covered under this policy |
| Initial Waiting Period |
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Energy Gold Without Copay Not specified. No waiting period applies to hospitalisation arising out of diabetes or hypertension |
VS VS |
Cancer Cover Activ Cancer Secure Plan Information Unavailable |
| Specific Waiting Period |
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Energy Gold Without Copay 24 months for specified diseases including cataract, hernia, joint replacement surgeries and surgery of hydrocele |
VS VS |
Cancer Cover Activ Cancer Secure Plan Information Unavailable |
| 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 |
Cancer Cover Activ Cancer Secure Plan Information Unavailable |
| Modern Treatment |
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Energy Gold Without Copay Not specified |
VS VS |
Cancer Cover Activ Cancer Secure Plan Information Unavailable |
| Annual Health Checkup |
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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 |
Cancer Cover Activ Cancer Secure Plan Information Unavailable |
| Pre-Hospitalisation |
|---|
Energy Gold Without Copay 30 days |
VS VS |
Cancer Cover Activ Cancer Secure Plan Information Unavailable |
| Post-Hospitalisation |
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Energy Gold Without Copay 60 days |
VS VS |
Cancer Cover Activ Cancer Secure Plan Information Unavailable |
| 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 |
Cancer Cover Activ Cancer Secure Plan Information Unavailable |
| Deductible Option |
|---|
Energy Gold Without Copay Not specified |
VS VS |
Cancer Cover Activ Cancer Secure Plan Information Unavailable |
| Coverage Options |
|---|
Energy Gold Without Copay Individual only — no family floater option |
VS VS |
Cancer Cover Activ Cancer Secure Plan Information Unavailable |
| Claim Settlement Ratio |
|---|
Energy Gold Without Copay 97.45% |
VS VS |
Cancer Cover Activ Cancer Secure Plan Information Unavailable |
| Maternity Cover |
|---|
Energy Gold Without Copay Not covered — pregnancy is excluded |
VS VS |
Cancer Cover Activ Cancer Secure Plan Information Unavailable |
Insurance Plans Comparison
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Insurance Plans Comparison
Explore Insurance Category
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
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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)
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