Insurance Plans Comparison
Care Ultimate 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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Ultimate
Health insurance with unlimited restoration, moneyback rewards and long-term loyalty benefits.
What Makes It Special:
Comprehensive Health Insurance
Best For:
Health-conscious customers seeking wellness rewards and renewal discounts.
Individuals interested in unlimited restoration of their sum insured.
Customers who value rewards for remaining claim-free.
People looking for coverage options up to ₹1 crore.
Individuals and families seeking comprehensive hospitalisation coverage.
VS
Energy Silver With Copay
Cover diabetes and hypertension from day one, with wellness tests at your own cost, a one-time 100% restore and a 10% yearly bonus even after claims, up to 100%, while you pay 20% of every eligible claim.
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
Review waiting periods: The standard waiting periods are 30 days for initial illnesses, 24 months for named ailments and 36 months for pre-existing diseases.
Evaluate wellness rewards: The optional Wellness Benefit offers renewal discounts based on qualifying healthy days and applicable conditions.
Look at Infinity Bonus: This optional benefit provides an additional 100% of base sum insured per year, irrespective of claims, with continuous renewal.
Consider the moneyback benefit: The optional Premium Payback benefit refunds the first policy year's base premium after five consecutive claim-free policy years, subject to renewal conditions.
Choose for comprehensive coverage: The brochure lists inpatient care, day-care procedures, advanced technology treatments, AYUSH and other hospitalisation benefits, subject to policy terms.
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
Ultimate Health Insurance Plan VS VS |
Energy Silver With Copay Health Insurance Plan |
| Room Rent |
|---|
Ultimate All room categories are covered |
VS VS |
Energy Silver With Copay All room categories are covered |
| ICU Charges |
|---|
Ultimate No restriction on ICU room rent |
VS VS |
Energy Silver With Copay No restriction on ICU room rent |
| Co-payment |
|---|
Ultimate Not available |
VS VS |
Energy Silver With Copay Available as an option |
| Disease-wise sublimits |
|---|
Ultimate No |
VS VS |
Energy Silver With Copay No |
| Cashless Healthcare Providers |
|---|
Ultimate 21700+ Healthcare Providers |
VS VS |
Energy Silver With Copay 15,000+ Healthcare Providers |
| Restoration Benefit |
|---|
Ultimate Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses |
VS 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 |
| Daycare Treatment |
|---|
Ultimate Covers medical expenses for treatments not requiring 24-hour hospitalization, up to annual sum insured |
VS VS |
Energy Silver With Copay Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Cumulative Bonus |
|---|
Ultimate Your sum insured increases by 50% every year maximum upto 100%. However, you can pay an additional premium to increase sum insured up to 100%, every year. |
VS VS |
Energy Silver With Copay Your sum insured increases by 10% every year, maximum up to 100% |
| AYUSH Treatment |
|---|
Ultimate Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Energy Silver With Copay Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Consumable Cover |
|---|
Ultimate No. However, available as an add-on |
VS VS |
Energy Silver With Copay Yes |
| Initial Waiting Period |
|---|
Ultimate 30 days |
VS VS |
Energy Silver With Copay 30 days |
| Specific Waiting Period |
|---|
Ultimate 2 years |
VS VS |
Energy Silver With Copay 2 years |
| PED Waiting Period |
|---|
Ultimate 3 years |
VS VS |
Energy Silver With Copay 2 years |
| Modern Treatment |
|---|
Ultimate Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS 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 |
|---|
Ultimate Health checkup is not included as part of base cover. However, available as an add-on |
VS VS |
Energy Silver With Copay Health check-up is available twice every policy year, from day 1 of the policy |
| Pre-Hospitalisation |
|---|
Ultimate You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
VS 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 |
|---|
Ultimate You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it |
VS 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) |
|---|
Ultimate OPD expense is not included as part of base cover. However, available as an add-on |
VS VS |
Energy Silver With Copay OPD expense is not included |
| Deductible Option |
|---|
Ultimate Not available |
VS VS |
Energy Silver With Copay Not available |
| Coverage Options |
|---|
Ultimate Available coverage options: ₹5L, 7L, 10L, 15L, 20L, 25L, 50L, 1 Cr |
VS VS |
Energy Silver With Copay Available coverage options: ₹2L, 3L, 5L, 10L, 20L, 25L, 50L |
| Claim Settlement Ratio |
|---|
Ultimate 96% |
VS VS |
Energy Silver With Copay 95% |
| Maternity Cover |
|---|
Ultimate Not available |
VS 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
From choosing the right policy to managing claims, every step is handled for you
Zero Spam. Zero Hassle
Pure advice, no unwanted calls, no unnecessary push
Free Expert Consultation
Talk to experienced advisors at no cost, and make confident decisions
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
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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
Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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
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.
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