Insurance Plans Comparison
Star Super Surplus Gold 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 moreSuper Surplus Gold
This super top-up pays hospital bills only after the year's expenses cross your chosen limit, covers a single private AC room, and pays up to ₹50,000 for delivery after 12 months if you and your spouse are both covered.
What Makes It Special:
Star Super Surplus is a floater top-up policy intended to provide additional health protection after eligible hospitalisation expenses cross the selected deductible or defined limit. The Gold Plan offers high Sum Insured choices, single private A/C room eligibility, maternity benefits, organ donor expenses, AYUSH treatment and a recharge benefit.
Best For:
Policyholders wanting additional protection beyond a base health plan
Customers seeking a Gold Plan maternity benefit
Families looking for a floater top-up plan
Customers wanting high Sum Insured with a defined limit
Families seeking additional top-up protection
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
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Quick Decision Guide
The policy offers lifelong renewals.
Gold Plan provides a defined maternity benefit after the waiting period.
Recharge Benefit can provide additional indemnity after exhaustion or excess of Sum Insured.
The policy is available on a family floater basis.
Gold Plan Sum Insured options extend up to ₹1 Crore.
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
![]() Super Surplus Gold Health Insurance Plan VS VS |
![]() Energy Gold Without Copay Health Insurance Plan |
| Room Rent |
|---|
Super Surplus Gold Single Private A/C Room |
VS VS |
Energy Gold Without Copay
|
| ICU Charges |
|---|
Super Surplus Gold Covered as part of hospitalisation |
VS VS |
Energy Gold Without Copay Not specified |
| Advanced Treatments |
|---|
Super Surplus Gold Information Unavailable |
VS VS |
Energy Gold Without Copay
|
| Co-payment |
|---|
Super Surplus Gold Not specified as a standard co-payment |
VS VS |
Energy Gold Without Copay No copayment |
| Disease-wise sublimits |
|---|
Super Surplus Gold Specific limits and defined limits apply |
VS VS |
Energy Gold Without Copay Information Unavailable |
| Cashless Healthcare Providers |
|---|
Super Surplus Gold Cashless treatment through network hospitals |
VS VS |
Energy Gold Without Copay 16,000 cashless healthcare providers. |
| Restoration Benefit |
|---|
Super Surplus Gold Recharge Benefit available once for the remaining policy period |
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 |
| Cumulative Bonus |
|---|
Super Surplus Gold Not specified |
VS VS |
Energy Gold Without Copay Stated as available; the bonus percentage, cap and conditions are Not specified. |
| Daycare Treatment |
|---|
Super Surplus Gold All daycare procedures covered |
VS VS |
Energy Gold Without Copay Covered under the policy. |
| Consumable Cover |
|---|
Super Surplus Gold Not specified |
VS VS |
Energy Gold Without Copay Information Unavailable |
| AYUSH Treatment |
|---|
Super Surplus Gold Covered up to Sum Insured |
VS VS |
Energy Gold Without Copay Covered under this policy |
| Initial Waiting Period |
|---|
Super Surplus Gold 30 Days, subject to policy terms |
VS VS |
Energy Gold Without Copay Not specified. No waiting period applies to hospitalisation arising out of diabetes or hypertension |
| Specific Waiting Period |
|---|
Super Surplus Gold 12 Months for Gold Plan specified diseases and procedures |
VS VS |
Energy Gold Without Copay 24 months for specified diseases including cataract, hernia, joint replacement surgeries and surgery of hydrocele |
| PED Waiting Period |
|---|
Super Surplus Gold 12 Months for Gold Plan PEDs |
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 |
|---|
Super Surplus Gold Covered subject to applicable limits |
VS VS |
Energy Gold Without Copay Not specified |
| Annual Health Checkup |
|---|
Super Surplus Gold Not specified |
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 |
|---|
Super Surplus Gold Up to 60 Days |
VS VS |
Energy Gold Without Copay 30 days |
| Post-Hospitalisation |
|---|
Super Surplus Gold Up to 90 Days |
VS VS |
Energy Gold Without Copay 60 days |
| Outpatient Department Cover (OPD Expense) |
|---|
Super Surplus Gold Not a standard OPD benefit |
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 |
|---|
Super Surplus Gold Defined Limit applies to aggregate eligible hospitalisation expenses |
VS VS |
Energy Gold Without Copay Not specified |
| Coverage Options |
|---|
Super Surplus Gold ₹5 Lakh to ₹1 Crore for Gold Plan |
VS VS |
Energy Gold Without Copay Individual only — no family floater option |
| Claim Settlement Ratio |
|---|
Super Surplus Gold Not specified |
VS VS |
Energy Gold Without Copay 97.45% |
| Maternity Cover |
|---|
Super Surplus Gold Delivery expenses up to ₹50,000 per policy period, maximum two deliveries, subject to 12-month wait and conditions |
VS VS |
Energy Gold Without Copay Not covered — pregnancy is excluded |
Insurance Plans Comparison
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