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Insurance Plans Comparison

HDFC ERGO Energy Gold Without Copay vs ICICI Lombard Complete Health Insurance Health Shield

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

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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

Complete Health Insurance Health Shield

Add 10% to the sum insured after every claim-free year, up to 50%, and cover organ-donor expenses up to ₹10 lakh, with domiciliary hospitalisation and air ambulance paid over and above the sum insured.

What Makes It Special:

Health Shield is a variant listed under ICICI Lombard Complete Health Insurance. Its benefits include inpatient hospitalisation, eligible daycare procedures, inpatient AYUSH treatment, pre- and post-hospitalisation expenses, and a reset benefit that can replenish eligible cover after previous claims. The policy also lists a cumulative bonus and wellness services. Coverage...

Best For:

  • Customers who may use the policy's wellness services and preventive health-check-up facilities.

  • Buyers who want eligible daycare and inpatient AYUSH treatment covered.

  • Customers who value a cumulative bonus for claim-free years.

  • Individuals or families comparing different base sum insured options.

  • Buyers looking for hospitalisation cover with a reset benefit for subsequent eligible claims.

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.

  • Verify that the Health Shield variant is still available and that the quoted UIN matches the policy document before purchase.

  • Compare the cataract sub-limit with your expected needs, especially if selecting a lower sum insured.

  • Check the 24-month PED and specified-disease waiting periods against your medical history.

  • Review the reset rules carefully, including the restrictions on using reset cover for the same illness.

  • Confirm the available sum insured and room-rent limit in the policy schedule before choosing the plan.

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
Complete Health Insurance Health Shield
Complete Health Insurance Health Shield

Health Insurance Plan

Brochure

Room Rent

Energy Gold Without Copay

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

Complete Health Insurance Health Shield

Normal: Health Shield offers room rent and ICU coverage without sub-limits, ensuring full financial support for hospitalization, including intensive care expenses.

ICU Charges

Energy Gold Without Copay

Not specified

VS

Complete Health Insurance Health Shield

Covered under eligible inpatient hospitalisation, subject to policy terms.

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

Complete Health Insurance Health Shield

Covers advanced treatments, including robotic surgeries, stem cell therapy, immunotherapy, and modern cancer treatments

Co-payment

Energy Gold Without Copay

No copayment 

VS

Complete Health Insurance Health Shield

10% of copay will be applied to every admissible claim.

Disease-wise sublimits

Energy Gold Without Copay

Information Unavailable

VS

Complete Health Insurance Health Shield

Cataract: ₹20,000 per eye per policy year for sum insured up to ₹5 lakh; ₹1 lakh per eye per policy year for sum insured above ₹5 lakh.

Cashless Healthcare Providers

Energy Gold Without Copay

16,000 cashless healthcare providers.

VS

Complete Health Insurance Health 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

Complete Health Insurance Health Shield

Unlimited Reset Benefit is listed; reset does not trigger on the first claim and remains subject to illness, insured-person and other policy conditions.

Cumulative Bonus

Energy Gold Without Copay

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

VS

Complete Health Insurance Health Shield

10% of annual sum insured per claim-free year, up to 50%; accumulated bonus reduces by 10% of annual sum insured following a claim, as specified in the policy.

Daycare Treatment

Energy Gold Without Copay

Covered under the policy. 

VS

Complete Health Insurance Health Shield

Covered under the policy. 

AYUSH Treatment

Energy Gold Without Copay

Covered under this policy

VS

Complete Health Insurance Health Shield

Covered under this policy

Consumable Cover

Energy Gold Without Copay

Information Unavailable

VS

Complete Health Insurance Health Shield



Initial Waiting Period

Energy Gold Without Copay

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

VS

Complete Health Insurance Health Shield

30 days for illnesses; injury-related hospitalisation is excepted.

Specific Waiting Period

Energy Gold Without Copay

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

VS

Complete Health Insurance Health Shield

24 months for specified illnesses and treatments.

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

Complete Health Insurance Health Shield

24 months for declared and accepted pre-existing diseases.

Modern Treatment

Energy Gold Without Copay

Not specified

VS

Complete Health Insurance Health Shield

Not verified as a separately defined benefit in the reviewed Health Shield document.

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

Complete Health Insurance Health Shield

Health-check-up coupon each policy year, up to 2 coupons per year for floater policies.

Pre-Hospitalisation

Energy Gold Without Copay

30 days

VS

Complete Health Insurance Health Shield

Up to 30 days.

Post-Hospitalisation

Energy Gold Without Copay

60 days

VS

Complete Health Insurance Health Shield

Up to 60 days.

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

Complete Health Insurance Health Shield

Wellness points may be redeemable for eligible outpatient expenses; a fixed comprehensive OPD limit was not verified.

Deductible Option

Energy Gold Without Copay

Not specified

VS

Complete Health Insurance Health Shield

Not verified in the reviewed Health Shield document.

Coverage Options

Energy Gold Without Copay

Individual only — no family floater option

VS

Complete Health Insurance Health Shield

Individual or family floater; listed sum insured options from ₹3 lakh to ₹50 lakh.

Claim Settlement Ratio

Energy Gold Without Copay

97.45%

VS

Complete Health Insurance Health Shield

FY 2024-25: 83.65%

Maternity Cover

Energy Gold Without Copay

Not covered — pregnancy is excluded

VS

Complete Health Insurance Health Shield

Excluded under the reviewed policy wording, except for stated policy exceptions such as ectopic pregnancy.

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Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

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  • Reduces financial stress of childbirth costs

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Frequently Asked Questions (FAQs)

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Energy Gold Without Copay Vs Complete Health Insurance Health Shield

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