Oneassure

Partner with us

Insurance Plans Comparison

ICICI Lombard Max Protect Premium vs HDFC ERGO Energy Gold Without Copay

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

Read more
ICICI Lombard

Max Protect Premium

A ₹1 crore family cover with international treatment and any-room access

What Makes It Special:

Max Protect Premium is the higher MaxProtect variant with a ₹1 crore sum insured. It adds international treatment cover, air ambulance access, and a claim protector feature, and allows any room category except suite.

Best For:

  • Buyers who do not need maternity cover or outpatient consultations

  • Frequent travellers who want air ambulance access

  • Buyers who want access to any room category except suite

  • Families who want a ₹1 crore sum insured with restoration

  • Buyers who need international treatment cover

VS
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

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

ICICI Lombard Max Protect Premium

  • Kindly consult the insurer on co-payment and sublimits before buying.

  • Maternity and outpatient consultations are not covered.

  • Confirm the international cover limits, since the policy wording is not yet verified.

  • The PED waiting period is 3 years, so consider the add-on that reduces it to 2 years.

  • Premium costs more than Classic, so compare the added international benefits against your needs.

HDFC ERGO Energy Gold Without Copay

  • 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

Max Protect Premium
Max Protect Premium

Health Insurance Plan

Brochure

Policy Wording

VS
Energy Gold Without Copay
Energy Gold Without Copay

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Max Protect Premium

Any room except suite. Suite room charges are shared with the insurer.

VS

Energy Gold Without Copay

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

Max Protect Premium

Kindly refer to policy wording

VS

Energy Gold Without Copay

Not specified

Advanced Treatments

Max Protect Premium

Information Unavailable

VS

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
Co-payment

Max Protect Premium

Kindly refer to policy wording.

VS

Energy Gold Without Copay

No copayment 

Disease-wise sublimits

Max Protect Premium

Kindly refer to the policy wording.

VS

Energy Gold Without Copay

Information Unavailable

Cashless Healthcare Providers

Max Protect Premium

14,000+ cashless network hospitals

VS

Energy Gold Without Copay

16,000 cashless healthcare providers.

Restoration Benefit

Max Protect Premium

Restores up to 100% of the sum insured, multiple times in a policy year. Kindly consult the conditions.

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

Cumulative Bonus

Max Protect Premium

Kindly review the policy wording.

VS

Energy Gold Without Copay

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

Daycare Treatment

Max Protect Premium

Kindly refer to the policy wording.

VS

Energy Gold Without Copay

Covered under the policy. 

Consumable Cover

Max Protect Premium

Kindly refer to policy wording.

VS

Energy Gold Without Copay

Information Unavailable

AYUSH Treatment

Max Protect Premium

Kindly refer to policy wording.

VS

Energy Gold Without Copay

Covered under this policy

Initial Waiting Period

Max Protect Premium

30 DAYS

VS

Energy Gold Without Copay

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

Specific Waiting Period

Max Protect Premium

Kindly refer to policy wording.

VS

Energy Gold Without Copay

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

PED Waiting Period

Max Protect Premium

3 years, reducible to 2 years with the add-on

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

Max Protect Premium

Covered. Kindly consult for limits.

VS

Energy Gold Without Copay

Not specified

Annual Health Checkup

Max Protect Premium

Not offered

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

Max Protect Premium

60 days before hospitalisation. Kindly confirm.

VS

Energy Gold Without Copay

30 days

Post-Hospitalisation

Max Protect Premium

180 days after discharge. Kindly confirm.

VS

Energy Gold Without Copay

60 days

Outpatient Department Cover (OPD Expense)

Max Protect Premium

Not covered. Doctor consultations are not covered.

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

Max Protect Premium

Kindly refer to policy wording.

VS

Energy Gold Without Copay

Not specified

Coverage Options

Max Protect Premium

₹1 crore base cover. Room rent modifier and PED reduction add-ons available.

VS

Energy Gold Without Copay

Individual only — no family floater option

Claim Settlement Ratio

Max Protect Premium

FY 24-25: ~84%

VS

Energy Gold Without Copay

97.45%

Maternity Cover

Max Protect Premium

Not offered

VS

Energy Gold Without Copay

Not covered — pregnancy is excluded

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

Max Protect Premium vs Supreme Senior Premium

Max Protect Premium vs Energy Silver Without Copay

Max Protect Premium vs Ultimate

Max Protect Premium vs EquiCover

Max Protect Premium vs Optima Secure Global Plus

Energy Gold Without Copay vs Supreme Senior Premium

Energy Gold Without Copay vs Energy Silver Without Copay

Energy Gold Without Copay vs Ultimate

Energy Gold Without Copay vs EquiCover

Energy Gold Without Copay vs Optima Secure Global Plus

Oneassure

Health Insurance

Compare Health Insurance Plans

Max Protect Premium Vs Energy Gold Without Copay

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.