Insurance Plans Comparison
HDFC ERGO Energy Gold Without Copay vs Care Heart
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read more
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
Heart
Specialised Cardiac Health Insurance with 2-Year Cardiac PED Waiting Period
What Makes It Special:
Care Heart Health Insurance is a specialized policy designed for people with existing heart conditions or cardiac risks. It provides comprehensive coverage for hospitalization, surgeries, and treatments related to heart ailments, including pre and post-hospitalization expenses. The plan also covers annual health check-ups, ambulance charges, and optional add-ons for enhanced...
Best For:
Focused Protection for Cardiac Patients
Covers Pre and Post Hospitalization
Annual Health Check-Up Included
Lifelong Policy Renewability Option
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.
You have a past history of heart disease
You need coverage for cardiac-related hospitalization expenses
You want insurance despite pre-existing heart conditions
You seek affordable premiums for heart-focused care
You prefer lifelong renewability with cardiac protection
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Energy Gold Without Copay Health Insurance Plan VS VS |
Heart Health Insurance Plan |
| Room Rent |
|---|
Energy Gold Without Copay
|
VS VS |
Heart Up to ₹3 L sum insured – 1% of Sum Insured per day Above ₹3 L sum insured – Single Private Room |
| ICU Charges |
|---|
Energy Gold Without Copay Not specified |
VS VS |
Heart Up to ₹3 L sum insured – 2% of Sum Insured per day Above ₹3 L sum insured – No Limit |
| Advanced Treatments |
|---|
Energy Gold Without Copay
|
VS VS |
Heart Information Unavailable |
| Co-payment |
|---|
Energy Gold Without Copay No copayment |
VS VS |
Heart In-built co-payment: 20% if entry age ≤ 70 years, 30% if entry age > 70 years. |
| Disease-wise sublimits |
|---|
Energy Gold Without Copay Information Unavailable |
VS VS |
Heart Yes |
| Cashless Healthcare Providers |
|---|
Energy Gold Without Copay 16,000 cashless healthcare providers. |
VS VS |
Heart 21700+ Healthcare Providers |
| 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 |
Heart Provides 1 restoration of the base cover upon exhaustion, applicable for unrelated illnesses only |
| Cumulative Bonus |
|---|
Energy Gold Without Copay Stated as available; the bonus percentage, cap and conditions are Not specified. |
VS VS |
Heart Your sum insured increases by 10% each policy year as a No-Claim Bonus, up to 50% of the sum insured. The bonus reduces by 10% for every claim paid |
| Daycare Treatment |
|---|
Energy Gold Without Copay Covered under the policy. |
VS VS |
Heart Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| AYUSH Treatment |
|---|
Energy Gold Without Copay Covered under this policy |
VS VS |
Heart Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Consumable Cover |
|---|
Energy Gold Without Copay Information Unavailable |
VS VS |
Heart No. However available as an add-on. |
| Initial Waiting Period |
|---|
Energy Gold Without Copay Not specified. No waiting period applies to hospitalisation arising out of diabetes or hypertension |
VS VS |
Heart 30 days |
| Specific Waiting Period |
|---|
Energy Gold Without Copay 24 months for specified diseases including cataract, hernia, joint replacement surgeries and surgery of hydrocele |
VS VS |
Heart 2 years |
| 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 |
Heart 2 years |
| Modern Treatment |
|---|
Energy Gold Without Copay Not specified |
VS VS |
Heart Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| 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 |
Heart Health check-up is available from the first policy year |
| Pre-Hospitalisation |
|---|
Energy Gold Without Copay 30 days |
VS VS |
Heart You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Energy Gold Without Copay 60 days |
VS VS |
Heart You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it. |
| 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 |
Heart OPD expense is not included |
| Deductible Option |
|---|
Energy Gold Without Copay Not specified |
VS VS |
Heart Not available |
| Coverage Options |
|---|
Energy Gold Without Copay Individual only — no family floater option |
VS VS |
Heart Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L |
| Claim Settlement Ratio |
|---|
Energy Gold Without Copay 97.45% |
VS VS |
Heart 96% |
| Maternity Cover |
|---|
Energy Gold Without Copay Not covered — pregnancy is excluded |
VS VS |
Heart Not available |
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.
Why Choose Our Expert Consultation?
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
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.
Explore Our Most Popular Plans
Compare With Other Health Insurance Plans
Energy Gold Without Copay vs Supreme Senior Premium
Energy Gold Without Copay vs Energy Silver Without Copay
Energy Gold Without Copay vs Ultimate
Energy Gold Without Copay vs EquiCover
Energy Gold Without Copay vs Optima Secure
Energy Gold Without Copay vs Super Mediclaim
Energy Gold Without Copay vs Critical Illness Platinum Plan
Energy Gold Without Copay vs Health Recharge
Energy Gold Without Copay vs Optima Secure Plus
Energy Gold Without Copay vs Cancer Cover Activ Cancer Secure Plan
Energy Gold Without Copay vs Optima Secure Global Plus
Energy Gold Without Copay vs LifeTime Health Global
Energy Gold Without Copay vs Women Care
Energy Gold Without Copay vs Aspire Diamond+
Energy Gold Without Copay vs Activate Booster Plan A
Energy Gold Without Copay vs myHealth Medisure Super Top-up
Energy Gold Without Copay vs Health Super Saver Standard
Energy Gold Without Copay vs Active Care Premier
Energy Gold Without Copay vs ProHealth Accumulate
Energy Gold Without Copay vs Supreme Shine
Energy Gold Without Copay vs Health Cardiac Care Silver & Gold Plan
Energy Gold Without Copay vs myHealth Suraksha Gold
Energy Gold Without Copay vs Elder Care
Energy Gold Without Copay vs Young Star Gold
Energy Gold Without Copay vs Assure
Energy Gold Without Copay vs Active Fit Plus
Energy Gold Without Copay vs Cancer Care Platinum
Energy Gold Without Copay vs OneHealth Premium
Energy Gold Without Copay vs Optima Lite
Energy Gold Without Copay vs ProHealth Prime Protect
Energy Gold Without Copay vs Medicare Plus
Energy Gold Without Copay vs Activ Health Platinum Essential
Energy Gold Without Copay vs Medicare Senior
Energy Gold Without Copay vs Enhance Super Top-up Two
Energy Gold Without Copay vs Reassure 3.0
Energy Gold Without Copay vs Medicare Protect
Energy Gold Without Copay vs Activ One SAVR
Energy Gold Without Copay vs Active Assure Diamond
Energy Gold Without Copay vs Activ One VIP
Energy Gold Without Copay vs Health Pulse Classic
Energy Gold Without Copay vs Advantage
Energy Gold Without Copay vs Mediclaim Insurance Policy
Energy Gold Without Copay vs Special Care Gold
Energy Gold Without Copay vs Activ One Max
Energy Gold Without Copay vs Classic
Energy Gold Without Copay vs Activ One Vytl
Energy Gold Without Copay vs Supreme
Energy Gold Without Copay vs Freedom
Energy Gold Without Copay vs Sarvah Pratham
Energy Gold Without Copay vs Joy Today
Energy Gold Without Copay vs Medi Classic
Energy Gold Without Copay vs Activate Booster Plan B
Energy Gold Without Copay vs Aspire Gold+
Energy Gold Without Copay vs Health Gain
Energy Gold Without Copay vs Aspire Platinum+
Energy Gold Without Copay vs Plus Complete
Energy Gold Without Copay vs Reassure 2.0 Platinum+
Energy Gold Without Copay vs Reassure 3.0 Elite
Energy Gold Without Copay vs Enhance Super Top-up One
Energy Gold Without Copay vs Joy Tomorrow
Energy Gold Without Copay vs Reassure 3.0 Select
Energy Gold Without Copay vs Activ One VIP+
Energy Gold Without Copay vs Red Carpet Senior Citizens
Energy Gold Without Copay vs Super Surplus Gold
Energy Gold Without Copay vs Health SuperCharge
Energy Gold Without Copay vs Medicare Premier
Energy Gold Without Copay vs Family Health Optima
Energy Gold Without Copay vs Health Companion Variant 2022
Energy Gold Without Copay vs Health Companion Variant 3
Energy Gold Without Copay vs Plus Youth
Energy Gold Without Copay vs ProHealth Prime Advantage
Energy Gold Without Copay vs Critical Illness Silver Plan
Energy Gold Without Copay vs Health Premia Gold
Energy Gold Without Copay vs Health Premia Platinum
Energy Gold Without Copay vs Comprehensive
Energy Gold Without Copay vs HeartBeat Enhanced
Energy Gold Without Copay vs Reassure
Energy Gold Without Copay vs Health Recharge Super Top Up Plan
Energy Gold Without Copay vs myHealth Suraksha Platinum
Energy Gold Without Copay vs Supreme Value for Money
Energy Gold Without Copay vs Supreme Enhance Two
Energy Gold Without Copay vs Supreme Senior Super
Energy Gold Without Copay vs Supreme Enhance
Energy Gold Without Copay vs Reassure 2.0 Gold
Energy Gold Without Copay vs Active Fit Preferred
Energy Gold Without Copay vs LifeTime Health
Energy Gold Without Copay vs Medicare
Energy Gold Without Copay vs ProHealth Prime Active
Energy Gold Without Copay vs ProHealth Prime Senior Elite
Energy Gold Without Copay vs Advanced Top Up
Energy Gold Without Copay vs Multiplier Health
Energy Gold Without Copay vs Ultimate (Direct)
Energy Gold Without Copay vs Young Star
Energy Gold Without Copay vs Star Women Care Policy
Energy Gold Without Copay vs Family Plus
Energy Gold Without Copay vs Sarvah Param
Energy Gold Without Copay vs Optima Insurance
Energy Gold Without Copay vs Smart Super Health Assure
Energy Gold Without Copay vs Criti Shield Plus
Energy Gold Without Copay vs Health Care Supreme Ultimo
Energy Gold Without Copay vs Health Shield 360 Retail
Energy Gold Without Copay vs Super Star
Energy Gold Without Copay vs Reassure 3.0 Black
Energy Gold Without Copay vs Health Guard Platinum
Energy Gold Without Copay vs Health Guard Gold
Energy Gold Without Copay vs Elevate (Direct)
Energy Gold Without Copay vs Senior First Platinum
Energy Gold Without Copay vs Extra Care Plus Super Top-up
Energy Gold Without Copay vs Health Care Supreme Smart
Energy Gold Without Copay vs Medi Classic Gold
Energy Gold Without Copay vs Smart Health Pro
Energy Gold Without Copay vs Optima Super Secure
Energy Gold Without Copay vs Special Care
Energy Gold Without Copay vs Optima Secure Global
Energy Gold Without Copay vs Medicare LITE
Energy Gold Without Copay vs Health Shield 360
Energy Gold Without Copay vs NextGen
Energy Gold Without Copay vs SecureHealth
Energy Gold Without Copay vs Energy Silver With Copay
Energy Gold Without Copay vs Supreme (Direct)
Energy Gold Without Copay vs Plus
Energy Gold Without Copay vs Medicare Select
Energy Gold Without Copay vs myHealth Koti Suraksha
Energy Gold Without Copay vs Senior
Energy Gold Without Copay vs myHealth Suraksha Silver
Energy Gold Without Copay vs Cardiac Care Platinum
Energy Gold Without Copay vs Royal Sundaram Lifeline Elite
Energy Gold Without Copay vs HeartBeat Platinum
Energy Gold Without Copay vs Supreme Enhance One
Energy Gold Without Copay vs HeartBeat Gold
Energy Gold Without Copay vs Aspire Titanium+
Energy Gold Without Copay vs iHealth Plus
Energy Gold Without Copay vs Reassure 3.0 Classic
Energy Gold Without Copay vs Senior Health Advantage
Energy Gold Without Copay vs Health Wallet
Energy Gold Without Copay vs Elevate
Energy Gold Without Copay vs Heart
Energy Gold Without Copay vs Reassure 2.0 Titanium+
Energy Gold Without Copay vs Diabetes Safe Plan A
Energy Gold Without Copay vs Reassure 2.0 Bronze+
Energy Gold Without Copay vs Young Star Silver
Energy Gold Without Copay vs Enhance Super Top-up
Energy Gold Without Copay vs Joy
Energy Gold Without Copay vs Supreme Senior Health AdvantEdge
Energy Gold Without Copay vs Supreme Super Saver
Energy Gold Without Copay vs Health Insurance Platinum
Heart vs Supreme Senior Premium
Heart vs Energy Silver Without Copay
Heart vs Ultimate
Heart vs EquiCover
Heart vs Optima Secure
Heart vs Super Mediclaim
Heart vs Critical Illness Platinum Plan
Heart vs Health Recharge
Heart vs Optima Secure Plus
Heart vs Cancer Cover Activ Cancer Secure Plan
Heart vs Optima Secure Global Plus
Heart vs LifeTime Health Global
Heart vs Women Care
Heart vs Aspire Diamond+
Heart vs Activate Booster Plan A
Heart vs myHealth Medisure Super Top-up
Heart vs Health Super Saver Standard
Heart vs Active Care Premier
Heart vs ProHealth Accumulate
Heart vs Supreme Shine
Heart vs Health Cardiac Care Silver & Gold Plan
Heart vs myHealth Suraksha Gold
Heart vs Elder Care
Heart vs Young Star Gold
Heart vs Assure
Heart vs Active Fit Plus
Heart vs Cancer Care Platinum
Heart vs OneHealth Premium
Heart vs Optima Lite
Heart vs ProHealth Prime Protect
Heart vs Medicare Plus
Heart vs Activ Health Platinum Essential
Heart vs Medicare Senior
Heart vs Enhance Super Top-up Two
Heart vs Reassure 3.0
Heart vs Medicare Protect
Heart vs Activ One SAVR
Heart vs Active Assure Diamond
Heart vs Activ One VIP
Heart vs Health Pulse Classic
Heart vs Advantage
Heart vs Mediclaim Insurance Policy
Heart vs Special Care Gold
Heart vs Energy Gold Without Copay
Heart vs Activ One Max
Heart vs Classic
Heart vs Activ One Vytl
Heart vs Supreme
Heart vs Freedom
Heart vs Sarvah Pratham
Heart vs Joy Today
Heart vs Medi Classic
Heart vs Activate Booster Plan B
Heart vs Aspire Gold+
Heart vs Health Gain
Heart vs Aspire Platinum+
Heart vs Plus Complete
Heart vs Reassure 2.0 Platinum+
Heart vs Reassure 3.0 Elite
Heart vs Enhance Super Top-up One
Heart vs Joy Tomorrow
Heart vs Reassure 3.0 Select
Heart vs Activ One VIP+
Heart vs Red Carpet Senior Citizens
Heart vs Super Surplus Gold
Heart vs Health SuperCharge
Heart vs Medicare Premier
Heart vs Family Health Optima
Heart vs Health Companion Variant 2022
Heart vs Health Companion Variant 3
Heart vs Plus Youth
Heart vs ProHealth Prime Advantage
Heart vs Critical Illness Silver Plan
Heart vs Health Premia Gold
Heart vs Health Premia Platinum
Heart vs Comprehensive
Heart vs HeartBeat Enhanced
Heart vs Reassure
Heart vs Health Recharge Super Top Up Plan
Heart vs myHealth Suraksha Platinum
Heart vs Supreme Value for Money
Heart vs Supreme Enhance Two
Heart vs Supreme Senior Super
Heart vs Supreme Enhance
Heart vs Reassure 2.0 Gold
Heart vs Active Fit Preferred
Heart vs LifeTime Health
Heart vs Medicare
Heart vs ProHealth Prime Active
Heart vs ProHealth Prime Senior Elite
Heart vs Advanced Top Up
Heart vs Multiplier Health
Heart vs Ultimate (Direct)
Heart vs Young Star
Heart vs Star Women Care Policy
Heart vs Family Plus
Heart vs Sarvah Param
Heart vs Optima Insurance
Heart vs Smart Super Health Assure
Heart vs Criti Shield Plus
Heart vs Health Care Supreme Ultimo
Heart vs Health Shield 360 Retail
Heart vs Super Star
Heart vs Reassure 3.0 Black
Heart vs Health Guard Platinum
Heart vs Health Guard Gold
Heart vs Elevate (Direct)
Heart vs Senior First Platinum
Heart vs Extra Care Plus Super Top-up
Heart vs Health Care Supreme Smart
Heart vs Medi Classic Gold
Heart vs Smart Health Pro
Heart vs Optima Super Secure
Heart vs Special Care
Heart vs Optima Secure Global
Heart vs Medicare LITE
Heart vs Health Shield 360
Heart vs NextGen
Heart vs SecureHealth
Heart vs Energy Silver With Copay
Heart vs Supreme (Direct)
Heart vs Plus
Heart vs Medicare Select
Heart vs myHealth Koti Suraksha
Heart vs Senior
Heart vs myHealth Suraksha Silver
Heart vs Cardiac Care Platinum
Heart vs Royal Sundaram Lifeline Elite
Heart vs HeartBeat Platinum
Heart vs Supreme Enhance One
Heart vs HeartBeat Gold
Heart vs Aspire Titanium+
Heart vs iHealth Plus
Heart vs Reassure 3.0 Classic
Heart vs Senior Health Advantage
Heart vs Health Wallet
Heart vs Elevate
Heart vs Reassure 2.0 Titanium+
Heart vs Diabetes Safe Plan A
Heart vs Reassure 2.0 Bronze+
Heart vs Young Star Silver
Heart vs Enhance Super Top-up
Heart vs Joy
Heart vs Supreme Senior Health AdvantEdge
Heart vs Supreme Super Saver
Heart vs Health Insurance Platinum
Related Blogs
Making Health Insurance Affordable: Is EMI Really the Best Way?
February 4, 2026 | OneAssure Team
Read MoreInsurance in 2026: Great for Your Wallet, But What’s Still Missing?
February 1, 2026 | OneAssure Team
Read MoreHow India’s Budget 2026 Could Shape the Future of Insurance - A Young Earner’s Guide.
February 1, 2026 | OneAssure Team
Read More.png)
Pre-Existing Disease in Health Insurance: All You Need to Know Before Buying
November 17, 2025 | Mahak Chauhan
Read More
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.