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Insurance Plans Comparison

Care Joy Today vs HDFC ERGO Energy Silver With Copay

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

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Care

What Makes It Special:

Care Joy Today is a comprehensive maternity and health insurance plan designed to support women through pregnancy and beyond. It covers delivery and related hospitalisation costs, pre- and post-natal care, and newborn expenses up to 90 days. With features like day-care treatments, ambulance cover, and cashless hospitalisation across 8,000+ hospitals,...

Best For:

  • Long-term peace of mind with 3-year policy term

  • Cashless treatment across 8,000+ hospitals

  • Comprehensive family protection during pregnancy

  • Maternity and Newborn health coverage

VS
HDFC ERGO

Energy Silver With Copay

HDFC ERGO Energy Silver Plan

What Makes It Special:

Energy Silver focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.

Best For:

  • Day-one coverage, no waiting period

  • Reward-based health insurance plan

  • Comprehensive wellness-focused protection

  • Dedicated diabetes and hypertension coverage

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

Care Joy Today

  • You want cashless access to 8,000+ hospitals across India

  • You prefer short waiting period for maternity benefits (9 months)

  • You want maternity and newborn cover under one plan

  • You’re planning for pregnancy or expanding your family soon.

HDFC ERGO Energy Silver With Copay

  • You need pre and post-hospitalization costs covered

  • You appreciate restore and cumulative bonus on sum insured

  • You want reward points for maintaining health

  • You need day-one hospitalization, no waiting period

  • You want health cover for diabetes or hypertension

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Joy Today
Joy Today

Health Insurance Plan

Brochure

VS
Energy Silver With Copay
Energy Silver With Copay

Health Insurance Plan

Brochure

Room Rent

Joy Today

Single Private AC room covered

VS

Energy Silver With Copay

All room categories are covered

ICU Charges

Joy Today

No restriction on ICU room rent

VS

Energy Silver With Copay

No restriction on ICU room rent

Disease-wise sublimits

Joy Today

Not Specifically mentioned

VS

Energy Silver With Copay

No

Co-payment

Joy Today

20% for above 61 years unless waived by extra premium

VS

Energy Silver With Copay

Available as an option

Restoration Benefit

Joy Today

Not Available

VS

Energy Silver With Copay

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

Cashless Healthcare Providers

Joy Today

8000+ Healthcare Providers

VS

Energy Silver With Copay

15,000+ Healthcare Providers

Cumulative Bonus

Joy Today

Not Available in the base plan but you can add a rider to avail

VS

Energy Silver With Copay

Your sum insured increases by 10% every year, maximum up to 100%

Daycare Treatment

Joy Today

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

VS

Energy Silver With Copay

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Consumable Cover

Joy Today

Included within hospitalisation expenses.

VS

Energy Silver With Copay

Yes

AYUSH Treatment

Joy Today

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

VS

Energy Silver With Copay

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Initial Waiting Period

Joy Today

30 days

VS

Energy Silver With Copay

30 days

Specific Waiting Period

Joy Today

2 years

VS

Energy Silver With Copay

2 years

PED Waiting Period

Joy Today

3 years

VS

Energy Silver With Copay

2 years

Modern Treatment

Joy Today

Covered

VS

Energy Silver With Copay

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup

Joy Today

Not Stated

VS

Energy Silver With Copay

Health check-up is available twice every policy year, from day 1 of the policy

Pre-Hospitalisation

Joy Today

You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved

VS

Energy Silver With Copay

You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

Joy Today

You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it

VS

Energy Silver With Copay

You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)

Joy Today

OPD expense is not included.

VS

Energy Silver With Copay

OPD expense is not included

Deductible Option

Joy Today

Not Available

VS

Energy Silver With Copay

Not available

Coverage Options

Joy Today

8000+ Healthcare Providers

VS

Energy Silver With Copay

Available coverage options: ₹2L, 3L, 5L, 10L, 20L, 25L, 50L

Claim Settlement Ratio

Joy Today

96%

VS

Energy Silver With Copay

95%

Maternity Cover

Joy Today

Available including pre-natal and post-natal expenses, up to ₹35,000 or ₹50,000 based on sum insured; maternity cover available up to age 45.

VS

Energy Silver With Copay

Not available

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

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