Insurance Plans Comparison
ICICI Lombard Health Shield 360 vs HDFC ERGO Energy Gold Without Copay
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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Health Shield 360
Reset up to 100% of the sum insured unlimited times for a later unrelated illness, cover 90 days before hospitalisation and 180 days after, and add a 10% claim-free cumulative bonus up to 100%.
What Makes It Special:
Health Shield 360 is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.
Best For:
- Not available
VS
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
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
Not available
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.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Health Shield 360 Health Insurance Plan VS VS |
Energy Gold Without Copay Health Insurance Plan |
| Room Rent |
|---|
Health Shield 360 Normal: No Capping (Covered up to Sum Insured) ICU: No Capping (Covered up to Sum Insured) |
VS VS |
Energy Gold Without Copay
|
| Advanced Treatments |
|---|
Health Shield 360 Day Care Procedures Organ Donor Expenses Home Healthcare (Optional) Air Ambulance (Optional) Worldwide Coverage (Optional) |
VS VS |
Energy Gold Without Copay
|
| ICU Charges |
|---|
Health Shield 360 Information Unavailable |
VS VS |
Energy Gold Without Copay Not specified |
| Co-payment |
|---|
Health Shield 360 None (100% claims paid by insurer) |
VS VS |
Energy Gold Without Copay No copayment |
| Waiting Period |
|---|
Health Shield 360 Initial Waiting Period: 30 days Pre-existing Disease Waiting Period: 24 months |
VS VS |
Energy Gold Without Copay Information Unavailable |
| Cashless Healthcare Providers |
|---|
Health Shield 360 6500+ network hospitals |
VS VS |
Energy Gold Without Copay 16,000 cashless healthcare providers. |
| Restoration Benefit |
|---|
Health Shield 360 Information Unavailable |
VS VS |
Energy Gold Without Copay Restore Benefit stated as available; the restoration amount, number of restorations and conditions are Not specified in the available literature |
| Daycare Treatment |
|---|
Health Shield 360 Covered |
VS VS |
Energy Gold Without Copay Covered under the policy. |
| Cumulative Bonus |
|---|
Health Shield 360 Information Unavailable |
VS VS |
Energy Gold Without Copay Stated as available; the bonus percentage, cap and conditions are Not specified. |
| AYUSH Treatment |
|---|
Health Shield 360 Covered |
VS VS |
Energy Gold Without Copay Covered under this policy |
| Initial Waiting Period |
|---|
Health Shield 360 Information Unavailable |
VS VS |
Energy Gold Without Copay Not specified. No waiting period applies to hospitalisation arising out of diabetes or hypertension |
| Specific Waiting Period |
|---|
Health Shield 360 Information Unavailable |
VS VS |
Energy Gold Without Copay 24 months for specified diseases including cataract, hernia, joint replacement surgeries and surgery of hydrocele |
| PED Waiting Period |
|---|
Health Shield 360 Information Unavailable |
VS VS |
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 |
| Modern Treatment |
|---|
Health Shield 360 Information Unavailable |
VS VS |
Energy Gold Without Copay Not specified |
| Annual Health Checkup |
|---|
Health Shield 360 Information Unavailable |
VS VS |
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 |
| Pre-Hospitalisation |
|---|
Health Shield 360 Information Unavailable |
VS VS |
Energy Gold Without Copay 30 days |
| Post-Hospitalisation |
|---|
Health Shield 360 Information Unavailable |
VS VS |
Energy Gold Without Copay 60 days |
| Outpatient Department Cover (OPD Expense) |
|---|
Health Shield 360 Information Unavailable |
VS VS |
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 |
| Deductible Option |
|---|
Health Shield 360 Information Unavailable |
VS VS |
Energy Gold Without Copay Not specified |
| Coverage Options |
|---|
Health Shield 360 Information Unavailable |
VS VS |
Energy Gold Without Copay Individual only — no family floater option |
| Claim Settlement Ratio |
|---|
Health Shield 360 Information Unavailable |
VS VS |
Energy Gold Without Copay 97.45% |
| Maternity Cover |
|---|
Health Shield 360 Information Unavailable |
VS VS |
Energy Gold Without Copay Not covered — pregnancy is excluded |
Insurance Plans Comparison
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Personalised Recommendations
Every suggestion is backed by expert analysis of your life stage, goals, and budget
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From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free
Insurance Plans Comparison
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Having questions? We've got answers. Explore our FAQs to find the information you need.
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