Insurance Plans Comparison
HDFC ERGO Energy Gold Without Copay vs Star Young Star
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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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
Young Star
Restore the basic sum insured by 100% for later claims in the same year, add a 20% cumulative bonus each claim-free year up to 100%, and get 25% extra cover, up to ₹10 lakh, after a helmeted two-wheeler accident.
What Makes It Special:
Young Star Insurance Policy is a health insurance plan designed for adults between 18 and 40 years, with dependent children eligible from 91 days to 25 years on a floater basis. It offers individual and family floater coverage, automatic restoration of Basic Sum Insured, cumulative bonus, health check-up benefits, wellness...
Best For:
Buyers looking for long-term health insurance with lifelong renewability
Customers who want wellness-based premium discounts
Customers looking for automatic restoration of Basic Sum Insured
Young families seeking individual or family floater coverage
Adults between 18 and 40 years looking for health insurance
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.
The restored Sum Insured cannot be carried forward and does not apply to Modern Treatment.
The maternity benefit is available only under the Gold Plan and has specific eligibility and waiting period conditions.
Room eligibility is based on a Single Private A/C Room, with proportionate deductions for higher room categories.
Specified diseases and procedures have a 12-month waiting period.
The PED waiting period is 12 months.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Energy Gold Without Copay Health Insurance Plan VS VS |
Young Star Health Insurance Plan |
| Room Rent |
|---|
Energy Gold Without Copay
|
VS VS |
Young Star Single Private A/C Room, with proportionate deductions applicable for higher room categories |
| ICU Charges |
|---|
Energy Gold Without Copay Not specified |
VS VS |
Young Star Covered as part of hospitalisation expenses |
| Advanced Treatments |
|---|
Energy Gold Without Copay
|
VS VS |
Young Star Information Unavailable |
| Co-payment |
|---|
Energy Gold Without Copay No copayment |
VS VS |
Young Star No standard co-payment specified in the supplied policy document |
| Disease-wise sublimits |
|---|
Energy Gold Without Copay Information Unavailable |
VS VS |
Young Star Applicable limits may apply to specific treatments and benefits |
| Cashless Healthcare Providers |
|---|
Energy Gold Without Copay 16,000 cashless healthcare providers. |
VS VS |
Young Star Cashless hospitalisation available through Star Health network hospitals |
| 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 |
Young Star 100% Automatic Restoration of Basic Sum Insured, subject to policy conditions |
| Cumulative Bonus |
|---|
Energy Gold Without Copay Stated as available; the bonus percentage, cap and conditions are Not specified. |
VS VS |
Young Star 20% of Basic Sum Insured for every claim-free year, up to 100% of Basic Sum Insured |
| Daycare Treatment |
|---|
Energy Gold Without Copay Covered under the policy. |
VS VS |
Young Star All Day Care Procedures Covered |
| AYUSH Treatment |
|---|
Energy Gold Without Copay Covered under this policy |
VS VS |
Young Star Covered, subject to applicable policy terms |
| Consumable Cover |
|---|
Energy Gold Without Copay Information Unavailable |
VS VS |
Young Star Not specifically mentioned in the supplied policy document |
| Initial Waiting Period |
|---|
Energy Gold Without Copay Not specified. No waiting period applies to hospitalisation arising out of diabetes or hypertension |
VS VS |
Young Star 30 Days, except for eligible accident-related claims |
| Specific Waiting Period |
|---|
Energy Gold Without Copay 24 months for specified diseases including cataract, hernia, joint replacement surgeries and surgery of hydrocele |
VS VS |
Young Star 12 Months for specified 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 VS |
Young Star 12 Months for pre-existing diseases and their direct complications |
| Modern Treatment |
|---|
Energy Gold Without Copay Not specified |
VS VS |
Young Star Covered subject to applicable limits |
| 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 |
Young Star Available after completion of each policy year, subject to applicable limits and renewal |
| Pre-Hospitalisation |
|---|
Energy Gold Without Copay 30 days |
VS VS |
Young Star Covered for up to 60 Days |
| Post-Hospitalisation |
|---|
Energy Gold Without Copay 60 days |
VS VS |
Young Star Covered for up to 90 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 VS |
Young Star Not specified as a standard OPD benefit |
| Deductible Option |
|---|
Energy Gold Without Copay Not specified |
VS VS |
Young Star 1-day deductible applies to the Hospital Cash Benefit |
| Coverage Options |
|---|
Energy Gold Without Copay Individual only — no family floater option |
VS VS |
Young Star ₹3 Lakh to ₹1 Crore, with ₹3 Lakh available only on an individual basis; higher options available on individual and floater basis |
| Claim Settlement Ratio |
|---|
Energy Gold Without Copay 97.45% |
VS VS |
Young Star Not specified in the supplied policy document |
| Maternity Cover |
|---|
Energy Gold Without Copay Not covered — pregnancy is excluded |
VS VS |
Young Star Delivery expenses up to ₹30,000 per delivery under the Gold Plan, subject to a 36-month waiting period and other conditions |
Insurance Plans Comparison
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Insurance Plans Comparison
Explore Insurance Category
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Maternity Health Plan
Covers delivery, newborn care, and maternity expenses
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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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