Insurance Plans Comparison
HDFC ERGO Energy Silver Without Copay vs Care Supreme Enhance Two
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreEnergy Silver Without Copay
Cover diabetes and hypertension from day one with no co-pay, pay for your own wellness tests, and get a one-time 100% restore plus 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 keeps claims free of co-payment while holding...
Best For:
Buyers who intend to participate in the wellness programme for the renewal discount even though they pay for the tests themselves
People who expect a sizeable hospitalisation, where a 20% co-payment would be costly in absolute terms
Buyers who prioritise full claim settlement over bundled wellness benefits when choosing between the four configurations
Buyers who already get HbA1c and lipid monitoring through an employer scheme or pay for it themselves and do not need the test cost bundled in
Individuals diagnosed with diabetes or hypertension who want day-one cover for that condition without contributing a share of each claim
VS
Supreme Enhance Two
Super top-up health insurance with unlimited automatic recharge, cumulative bonus and an optional Unlimited Care benefit.
What Makes It Special:
Care Supreme Enhance Plan 2 is a high-deductible super top-up health insurance option designed to supplement existing medical coverage. It offers eligible hospitalisation benefits, unlimited automatic recharge and a cumulative bonus of up to 100%. Plan 2 also makes available the Unlimited Care benefit and air ambulance cover under their...
Best For:
Wellness perks and rewards with your policy
Daycare and full hospitalization benefits
Nationwide cashless hospitalization
Higher medical coverage with value-for-money premiums
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.
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.
You still need to undergo the wellness tests to earn reward points and the renewal discount of up to 25%, so factor the test cost into your running cost of the policy.
Compare it against the Silver plan with co-payment by calculating 20% of a realistic claim at your sum insured, because that is the amount the extra premium here buys out.
Compare this against the Gold plan without co-payment by pricing the two wellness tests locally, since the only stated difference between the plans is who bears that cost.
You want customizable add-ons for stronger family security
You want health rewards and wellness benefits included
You want all-round protection including daycare and post-hospitalization
You want cashless access to top hospitals across India.
You want superior coverage with higher sum insured
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Energy Silver Without Copay Health Insurance Plan VS VS |
Supreme Enhance Two Health Insurance Plan |
| Room Rent |
|---|
Energy Silver Without Copay
|
VS VS |
Supreme Enhance Two
|
| ICU Charges |
|---|
Energy Silver Without Copay Not specified. |
VS VS |
Supreme Enhance Two No restriction on ICU room rent |
| Advanced Treatments |
|---|
Energy Silver Without Copay Includes modern medical procedures like robotic surgery, organ transplants, and advanced cancer treatments for enhanced healthcare access. |
VS VS |
Supreme Enhance Two
|
| Disease-wise sublimits |
|---|
Energy Silver Without Copay Not specified |
VS VS |
Supreme Enhance Two No |
| Co-payment |
|---|
Energy Silver Without Copay No copayments. Mentioned in the name of the policy itself. |
VS VS |
Supreme Enhance Two Only applicable for people above the age of 61. |
| Waiting Period |
|---|
Energy Silver Without Copay
|
VS VS |
Supreme Enhance Two Information Unavailable |
| Restoration Benefit |
|---|
Energy Silver Without Copay Restore Benefit stated as available; the restoration amount, number of restorations and conditions are Not specified in the available literature |
VS VS |
Supreme Enhance Two Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses |
| Cashless Healthcare Providers |
|---|
Energy Silver Without Copay 16,000 cashless healthcare providers. |
VS VS |
Supreme Enhance Two 24800+ network hospitals across India. |
| Cumulative Bonus |
|---|
Energy Silver Without Copay Not covered — non-medical expenses are excluded |
VS VS |
Supreme Enhance Two Your sum insured increases by 10% every year, maximum up to 100% |
| Daycare Treatment |
|---|
Energy Silver Without Copay Covered under the policy. |
VS VS |
Supreme Enhance Two Covered under the policy |
| Consumable Cover |
|---|
Energy Silver Without Copay Not covered — non-medical expenses are excluded |
VS VS |
Supreme Enhance Two Yes |
| AYUSH Treatment |
|---|
Energy Silver Without Copay Covered under this policy |
VS VS |
Supreme Enhance Two AYUSH treatment covered under this policy |
| Initial Waiting Period |
|---|
Energy Silver Without Copay Not specified. No waiting period applies to hospitalisation arising out of diabetes or hypertension |
VS VS |
Supreme Enhance Two 30 days |
| Specific Waiting Period |
|---|
Energy Silver Without Copay 24 months for specified diseases including cataract, hernia, joint replacement surgeries and surgery of hydrocele |
VS VS |
Supreme Enhance Two 2 years |
| PED Waiting Period |
|---|
Energy Silver 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 |
Supreme Enhance Two 3 years |
| Modern Treatment |
|---|
Energy Silver Without Copay Not specified. |
VS VS |
Supreme Enhance Two Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Energy Silver Without Copay Two wellness tests per policy year are available, but their cost is excluded under the Silver plan and borne by the insured |
VS VS |
Supreme Enhance Two Health check-up is available once every policy year, from day 1 of the policy |
| Pre-Hospitalisation |
|---|
Energy Silver Without Copay Information Unavailable |
VS VS |
Supreme Enhance Two You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Energy Silver Without Copay 60 days |
VS VS |
Supreme Enhance Two You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
Energy Silver 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 |
Supreme Enhance Two OPD expense is not included |
| Deductible Option |
|---|
Energy Silver Without Copay Not specified |
VS VS |
Supreme Enhance Two Available |
| Coverage Options |
|---|
Energy Silver Without Copay Individual only — no family floater option |
VS VS |
Supreme Enhance Two Available coverage options: 20L to 1cr |
| Claim Settlement Ratio |
|---|
Energy Silver Without Copay Information Unavailable |
VS VS |
Supreme Enhance Two 96% |
| Maternity Cover |
|---|
Energy Silver Without Copay Not covered — pregnancy is excluded |
VS VS |
Supreme Enhance Two Not available |
Insurance Plans Comparison
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