Insurance Plans Comparison
HDFC ERGO Energy Gold Without Copay vs Star Comprehensive
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
Comprehensive
Family health insurance with maternity, OPD, dental and eye cover, 100% restoration and up to 100% cumulative bonus.
What Makes It Special:
An all-in-one family health plan that combines hospitalisation cover with maternity and new-born cover, OPD consultations, dental and eye care, hospital cash, bariatric surgery and accidental death/disability cover in a single policy.
Best For:
People under 61 who want to avoid co-payment
Buyers looking for a fast-growing bonus (100% after one claim-free year for SI ₹7.5L+)
People who want OPD, dental and eye expenses included
Families wanting individual or floater cover up to ₹1 crore
Young couples planning a family (maternity and new-born cover)
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.
Things to Consider: Premiums vary by city zone.
Things to Consider: Modern treatments and bariatric surgery have sublimits.
Things to Consider: Maternity needs both spouses covered for 24 months, and delivery limits are modest at lower SI.
Things to Consider: 10% co-payment for people who join at age 61 or above.
Things to Consider: 36-month PED waiting period, unless you buy the optional PED buy-back (reduces it to 12 months).
Reasons to Consider: 60 days of pre- and 90 days of post-hospitalisation cover, plus air ambulance and home care.
Reasons to Consider: Cumulative bonus up to 100% of SI, plus 100% restoration once a year (usable for the same illness).
Reasons to Consider: OPD consultations and dental/eye treatment covered outside the Sum Insured.
Reasons to Consider: Delivery (up to 2) and new-born cover after 24 months.
Reasons to Consider: Private single AC room with no fixed room rent cap.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Energy Gold Without Copay Health Insurance Plan VS VS |
![]() Comprehensive Health Insurance Plan |
| Room Rent |
|---|
Energy Gold Without Copay
|
VS VS |
Comprehensive Information Unavailable |
| ICU Charges |
|---|
Energy Gold Without Copay Not specified |
VS VS |
Comprehensive Covered up to Sum Insured; no separate ICU cap. |
| Advanced Treatments |
|---|
Energy Gold Without Copay
|
VS VS |
Comprehensive Coverage includes robotic surgeries, stem cell therapy, organ transplants, modern cancer treatments, bariatric surgery, and advanced cardiac procedures as per policy terms. |
| Co-payment |
|---|
Energy Gold Without Copay No copayment |
VS VS |
Comprehensive This policy is subject to co-payment of 10% of each and every claim amount for fresh as well as renewal policies for insured persons whose age at the time of entry is 61 years and above |
| Waiting Period |
|---|
Energy Gold Without Copay Information Unavailable |
VS VS |
Comprehensive
|
| Cashless Healthcare Providers |
|---|
Energy Gold Without Copay 16,000 cashless healthcare providers. |
VS VS |
Comprehensive Access to over 14,000+ cashless healthcare providers for seamless treatment. |
| 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 |
Comprehensive Information Unavailable |
| Cumulative Bonus |
|---|
Energy Gold Without Copay Stated as available; the bonus percentage, cap and conditions are Not specified. |
VS VS |
Comprehensive SI ₹5L: 50% of Basic SI per claim-free year, max 100%. SI ₹7.5L and above: 100% of Basic SI after one claim-free year, max 100%. |
| Daycare Treatment |
|---|
Energy Gold Without Copay Covered under the policy. |
VS VS |
Comprehensive covered by the policy. |
| AYUSH Treatment |
|---|
Energy Gold Without Copay Covered under this policy |
VS VS |
Comprehensive AYUSH treatments are covered up to the sum insured. |
| Consumable Cover |
|---|
Energy Gold Without Copay Information Unavailable |
VS VS |
Comprehensive Not mentioned (no separate consumables cover in the policy documents). |
| Initial Waiting Period |
|---|
Energy Gold Without Copay Not specified. No waiting period applies to hospitalisation arising out of diabetes or hypertension |
VS VS |
Comprehensive 30 days (accidents excepted) |
| Specific Waiting Period |
|---|
Energy Gold Without Copay 24 months for specified diseases including cataract, hernia, joint replacement surgeries and surgery of hydrocele |
VS VS |
Comprehensive 24 months for listed diseases/procedures; 36 months for Bariatric Surgery; 24 months for Delivery and New Born cover |
| 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 |
Comprehensive Information Unavailable |
| Modern Treatment |
|---|
Energy Gold Without Copay Not specified |
VS VS |
Comprehensive
|
| 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 |
Comprehensive Information Unavailable |
| Pre-Hospitalisation |
|---|
Energy Gold Without Copay 30 days |
VS VS |
Comprehensive Information Unavailable |
| Post-Hospitalisation |
|---|
Energy Gold Without Copay 60 days |
VS VS |
Comprehensive Information Unavailable |
| 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 |
Comprehensive Information Unavailable |
| Deductible Option |
|---|
Energy Gold Without Copay Not specified |
VS VS |
Comprehensive Information Unavailable |
| Coverage Options |
|---|
Energy Gold Without Copay Individual only — no family floater option |
VS VS |
Comprehensive Information Unavailable |
| Claim Settlement Ratio |
|---|
Energy Gold Without Copay 97.45% |
VS VS |
Comprehensive Information Unavailable |
| Maternity Cover |
|---|
Energy Gold Without Copay Not covered — pregnancy is excluded |
VS VS |
Comprehensive Information Unavailable |
Insurance Plans Comparison
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