Partner with us

Insurance Plans Comparison

HDFC ERGO Energy Gold Without Copay vs ICICI Lombard Golden Shield

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

Read more
HDFC ERGO

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
ICICI Lombard

Golden Shield

Cover hospital care for seniors, with a twin-sharing room below ₹10 lakh and a single private AC room from ₹10 lakh, a 50% co-pay on every admissible claim, and 60 days before admission plus 180 days after discharge.

What Makes It Special:

ICICI Lombard Golden Shield is designed for senior citizens and offers hospitalisation cover through individual and family floater options. Benefits include inpatient treatment, daycare procedures, AYUSH hospitalisation, pre- and post-hospitalisation expenses, domiciliary treatment and a Reset Benefit. The policy also offers a Loyalty Bonus and optional features such as Claim...

Best For:

  • Buyers seeking additional features such as Claim Protector or Care Management Plus, subject to availability and eligibility.

  • Customers who want to evaluate options for reducing the policy's standard co-payment.

  • Buyers who want a reset feature for eligible subsequent hospitalisation claims.

  • Older couples looking for a shared family floater or individual cover options.

  • Senior citizens seeking health insurance for eligible hospitalisation expenses.

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.

  • Compare the disease-specific sublimits with your healthcare needs, especially for cataract, cardiovascular treatment, cancer and renal conditions.

  • Review the 24-month PED and specified-disease waiting periods, along with the separate 90-day exclusion for hypertension, diabetes and cardiac conditions.

  • Check the room category linked to your sum insured to avoid unexpected proportionate deductions.

  • Review the base 50% co-payment carefully and compare the additional premium for reducing it to 40%, 30% or 20%.

  • Select a sum insured based on expected medical expenses and confirm that the desired option is available for your age and health profile.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Energy Gold Without Copay
Energy Gold Without Copay

Health Insurance Plan

VS
Golden Shield
Golden Shield

Health Insurance Plan

Brochure

Room Rent

Energy Gold Without Copay

  1. Normal: no capping on room rent 
  2. ICU: no limit
VS

Golden Shield

ICICI Lombard's Health Shield plan offers comprehensive coverage with no specific capping on room rent or ICU charges.

ICU Charges

Energy Gold Without Copay

Not specified

VS

Golden Shield

Covered under eligible inpatient hospitalisation, subject to the annual sum insured and applicable policy conditions.

Advanced Treatments

Energy Gold Without Copay

  1. Robotic Surgery
  2. Stem Cell Therapy
  3. Organ Transplant
  4. Targeted & Immunotherapy
  5. Bariatric Surgery
  6. Advanced Cardiac Care
  7. Proton Beam Therapy
VS

Golden Shield

The plan covers advanced treatments like robotic surgeries, immunotherapy, oral chemotherapy, stem cell therapy, and minimally invasive procedures for various conditions.

Co-payment

Energy Gold Without Copay

No copayment 

VS

Golden Shield

The ICICI Lombard Golden Shield plan includes a mandatory 50% co-payment, meaning policyholders are responsible for half of the admissible claim amount, while the insurer covers the remaining 50%. This co-payment applies to all claims made under the policy.

Disease-wise sublimits

Energy Gold Without Copay

Information Unavailable

VS

Golden Shield

Yes. Cataract and specified cardiovascular, cerebrovascular, cancer, renal, long-bone/joint and robotic-surgery treatments have limits that vary by sum insured.

Cashless Healthcare Providers

Energy Gold Without Copay

16,000 cashless healthcare providers.

VS

Golden Shield

10,896+ 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

Golden Shield

Unlimited Reset Benefit of up to 100% of the annual sum insured for eligible subsequent claims. It does not apply to the first claim and has restrictions for the same illness or related complications.

Cumulative Bonus

Energy Gold Without Copay

Stated as available; the bonus percentage, cap and conditions are Not specified.

VS

Golden Shield

Loyalty Bonus accumulates under the policy's renewal rules; accrued bonus is not reduced merely because a claim is made.

Daycare Treatment

Energy Gold Without Copay

Covered under the policy. 

VS

Golden Shield

Covered under the policy. 

AYUSH Treatment

Energy Gold Without Copay

Covered under this policy

VS

Golden Shield

Covered under this policy

Consumable Cover

Energy Gold Without Copay

Information Unavailable

VS

Golden Shield

Claim Protector is available as an optional cover for eligible non-medical items associated with an accepted inpatient claim.

Initial Waiting Period

Energy Gold Without Copay

Not specified. No waiting period applies to hospitalisation arising out of diabetes or hypertension

VS

Golden Shield

30 days for illnesses, except covered accident-related hospitalisation.

Specific Waiting Period

Energy Gold Without Copay

24 months for specified diseases including cataract, hernia, joint replacement surgeries and surgery of hydrocele

VS

Golden Shield

24 months for listed diseases and procedures.

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

Golden Shield

24 months of continuous coverage for declared and accepted pre-existing diseases.

Modern Treatment

Energy Gold Without Copay

Not specified

VS

Golden Shield

Listed modern treatments are covered up to the annual sum insured, subject to specified sublimits.

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

Golden Shield

Information Unavailable

Pre-Hospitalisation

Energy Gold Without Copay

30 days

VS

Golden Shield

60 days before hospitalisation, subject to policy terms and the accepted inpatient claim.

Post-Hospitalisation

Energy Gold Without Copay

60 days

VS

Golden Shield

Up to 7% of hospitalisation expenses, subject to a maximum of ₹5,000 for ₹3–5 lakh sum insured, ₹7,000 for ₹10–15 lakh, and ₹10,000 for ₹20–50 lakh.

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

Golden Shield

Not included as a general standard reimbursement benefit. Outpatient consultations may be available through the optional Care Management Plus Program.

Deductible Option

Energy Gold Without Copay

Not specified

VS

Golden Shield

Optional voluntary deductible of 20% of the annual sum insured, applied on an aggregate basis during the policy year.

Coverage Options

Energy Gold Without Copay

Individual only — no family floater option

VS

Golden Shield

Individual or family floater; optional Claim Protector, reduced co-payment, voluntary deductible and Care Management Plus Program.

Claim Settlement Ratio

Energy Gold Without Copay

97.45%

VS

Golden Shield

FY 24-25: ~84%

Maternity Cover

Energy Gold Without Copay

Not covered — pregnancy is excluded

VS

Golden Shield

Not covered under this senior-citizen-focused plan.

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

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

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

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

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

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.

1-5 of 10 FAQs

Compare With Other Health Insurance Plans

Oneassure

Health Insurance

Compare Health Insurance Plans

Energy Gold Without Copay Vs Golden Shield

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.