HDFC ERGO Health Insurance Energy Silver vs Care Health Insurance Enhance 2

All room categories are covered

1. Normal: Single private room
2. ICU: No Limit

No restriction on ICU room rent

No restriction on ICU room rent

1. Robotic Surgery
2. Proton Beam Therapy
3. Cyber Knife Treatment
4. Stem Cell Therapy 
5. Targeted and Immunotherapy 
6. Artificial Organs & Implants

No

No

Available as an option

Only applicable for people above the age of 61.

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

15,000+ Healthcare Providers

24800+ network hospitals across India.

Your sum insured increases by 10% every year, maximum up to 100%

Your sum insured increases by 10% every year, maximum up to 100%

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Covered under the policy

Yes

Yes

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

AYUSH treatment covered under this policy

30 days

30 days

2 years

2 years

2 years

3 years

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Health check-up is available twice every policy year, from day 1 of the policy

Health check-up is available once every policy year, from day 1 of the policy

You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

OPD expense is not included

OPD expense is not included

Not available

Available

Available coverage options: ₹2L, 3L, 5L, 10L, 20L, 25L, 50L

Available coverage options: 20L to 1cr

95%

87.10%

Not available

Not available