Insurance Plans Comparison
HDFC ERGO Energy Gold 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 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
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
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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 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 Gold Without Copay Health Insurance Plan VS VS |
Supreme Enhance Two Health Insurance Plan |
| Room Rent |
|---|
Energy Gold Without Copay
|
VS VS |
Supreme Enhance Two
|
| ICU Charges |
|---|
Energy Gold Without Copay Not specified |
VS VS |
Supreme Enhance Two No restriction on ICU room rent |
| Advanced Treatments |
|---|
Energy Gold Without Copay
|
VS VS |
Supreme Enhance Two
|
| Co-payment |
|---|
Energy Gold Without Copay No copayment |
VS VS |
Supreme Enhance Two Only applicable for people above the age of 61. |
| Disease-wise sublimits |
|---|
Energy Gold Without Copay Information Unavailable |
VS VS |
Supreme Enhance Two No |
| Cashless Healthcare Providers |
|---|
Energy Gold Without Copay 16,000 cashless healthcare providers. |
VS VS |
Supreme Enhance Two 24800+ network hospitals across India. |
| 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 |
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 |
| Cumulative Bonus |
|---|
Energy Gold Without Copay Stated as available; the bonus percentage, cap and conditions are Not specified. |
VS VS |
Supreme Enhance Two Your sum insured increases by 10% every year, maximum up to 100% |
| Daycare Treatment |
|---|
Energy Gold Without Copay Covered under the policy. |
VS VS |
Supreme Enhance Two Covered under the policy |
| AYUSH Treatment |
|---|
Energy Gold Without Copay Covered under this policy |
VS VS |
Supreme Enhance Two AYUSH treatment covered under this policy |
| Consumable Cover |
|---|
Energy Gold Without Copay Information Unavailable |
VS VS |
Supreme Enhance Two Yes |
| Initial Waiting Period |
|---|
Energy Gold 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 Gold 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 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 |
Supreme Enhance Two 3 years |
| Modern Treatment |
|---|
Energy Gold 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 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 |
Supreme Enhance Two Health check-up is available once every policy year, from day 1 of the policy |
| Pre-Hospitalisation |
|---|
Energy Gold Without Copay 30 days |
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 Gold 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 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 |
Supreme Enhance Two OPD expense is not included |
| Deductible Option |
|---|
Energy Gold Without Copay Not specified |
VS VS |
Supreme Enhance Two Available |
| Coverage Options |
|---|
Energy Gold Without Copay Individual only — no family floater option |
VS VS |
Supreme Enhance Two Available coverage options: 20L to 1cr |
| Claim Settlement Ratio |
|---|
Energy Gold Without Copay 97.45% |
VS VS |
Supreme Enhance Two 96% |
| Maternity Cover |
|---|
Energy Gold Without Copay Not covered — pregnancy is excluded |
VS VS |
Supreme Enhance Two Not available |
Insurance Plans Comparison
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