Insurance Plans Comparison
HDFC ERGO Energy Silver With Copay vs ICICI Lombard Health Elite
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreEnergy 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 is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.
Best For:
Day-one coverage, no waiting period
Reward-based health insurance plan
Comprehensive wellness-focused protection
Dedicated diabetes and hypertension coverage
VS
Health Elite
Include maternity after 3 years and outpatient treatment, pay hospital daily cash for a stay of at least 3 days, and add a 10% cumulative bonus each claim-free year, up to 50% of the sum insured.
What Makes It Special:
ICICI Lombard Health Elite is a comprehensive health insurance option with benefits that may include in-patient treatment, daycare procedures, pre- and post-hospitalisation expenses, outpatient treatment and maternity cover, depending on the applicable policy version and selected configuration.
Best For:
Buyers comparing sum insured options, reset benefits, waiting periods and policy-specific restrictions before choosing a plan.
Families evaluating maternity and newborn-related benefits, subject to eligibility and waiting periods.
Individuals who want to compare available outpatient treatment benefits and their applicable limits.
Buyers looking for a policy with additional healthcare benefits beyond basic hospitalisation cover.
Individuals seeking health insurance for eligible hospitalisation and daycare expenses.
Insurance Plans Comparison
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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
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
Match the policy UIN and schedule to the exact Health Elite version being offered, because benefits may differ between versions.
Confirm whether outpatient treatment, maternity and newborn benefits are included in your chosen configuration and check their limits.
Review waiting periods for pre-existing diseases, specified treatments and maternity benefits before relying on the policy.
Check room eligibility, hospitalisation limits and exclusions to understand the expenses the policy may leave you paying.
Choose a sum insured that reflects potential hospitalisation expenses and the number of people covered.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Energy Silver With Copay Health Insurance Plan VS VS |
![]() Health Elite Health Insurance Plan |
| Room Rent |
|---|
Energy Silver With Copay All room categories are covered |
VS VS |
Health Elite Information Unavailable |
| ICU Charges |
|---|
Energy Silver With Copay No restriction on ICU room rent |
VS VS |
Health Elite Covered under eligible in-patient hospitalisation, subject to the applicable sum insured and policy conditions. |
| Advanced Treatments |
|---|
Energy Silver With Copay Information Unavailable |
VS VS |
Health Elite
|
| Disease-wise sublimits |
|---|
Energy Silver With Copay No |
VS VS |
Health Elite Specific limits depend on the applicable policy wording, sum insured and benefit configuration. A complete variant-specific list has not been verified. |
| Co-payment |
|---|
Energy Silver With Copay Available as an option |
VS VS |
Health Elite Policyholders can opt for a co-payment of 10% or 20%, sharing a fixed percentage of the claim amount, which can help reduce premium costs. |
| Restoration Benefit |
|---|
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 |
VS VS |
Health Elite Published Health Elite materials list an unlimited reset benefit. The precise trigger, eligible claims and conditions must be confirmed against the applicable policy wording. |
| Cashless Healthcare Providers |
|---|
Energy Silver With Copay 15,000+ Healthcare Providers |
VS VS |
Health Elite Access to over 6,700 network hospitals and clinics for cashless treatments, ensuring convenient and hassle-free medical care. |
| Cumulative Bonus |
|---|
Energy Silver With Copay Your sum insured increases by 10% every year, maximum up to 100% |
VS VS |
Health Elite Published Health Elite materials list Additional Sum Insured and a Super No Claim Bonus option. The applicable benefit percentage and conditions are not verified for this variant. |
| Daycare Treatment |
|---|
Energy Silver With Copay Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
Health Elite Covers medical procedures requiring less than 24-hour hospitalization, such as cataract surgery and chemotherapy, accommodating treatments that don't necessitate extended hospital stays. |
| Consumable Cover |
|---|
Energy Silver With Copay Yes |
VS VS |
Health Elite Published Health Elite materials list Additional Sum Insured and a Super No Claim Bonus option. The applicable benefit percentage and conditions are not verified for this variant. |
| AYUSH Treatment |
|---|
Energy Silver With Copay Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Health Elite Expenses for alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered when availed at government-recognized institutions, promoting holistic healthcare options. |
| Initial Waiting Period |
|---|
Energy Silver With Copay 30 days |
VS VS |
Health Elite The insurer's general health insurance information states 30 days for illness-related hospitalisation, except accidents. Confirm the exact Health Elite policy terms. |
| Specific Waiting Period |
|---|
Energy Silver With Copay 2 years |
VS VS |
Health Elite The exact waiting period for specified diseases and procedures is not verified for this variant. |
| PED Waiting Period |
|---|
Energy Silver With Copay 2 years |
VS VS |
Health Elite The exact waiting period for specified diseases and procedures is not verified for this variant. |
| Modern Treatment |
|---|
Energy Silver With Copay Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
Health Elite Listed as a covered category in the older Complete Health Insurance policy information, subject to the applicable policy terms and limits. |
| Annual Health Checkup |
|---|
Energy Silver With Copay Health check-up is available twice every policy year, from day 1 of the policy |
VS VS |
Health Elite Health check-up is listed in published Health Elite materials. Eligibility, frequency and monetary limits are not verified for this exact variant. |
| Pre-Hospitalisation |
|---|
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 |
VS VS |
Health Elite Up to 30 days according to the published Health Elite product comparison, subject to policy terms. |
| Post-Hospitalisation |
|---|
Energy Silver With Copay You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it |
VS VS |
Health Elite Up to 60 days according to the published Health Elite product comparison, subject to policy terms. |
| Outpatient Department Cover (OPD Expense) |
|---|
Energy Silver With Copay OPD expense is not included |
VS VS |
Health Elite Outpatient Treatment Cover is listed in published Health Elite materials. The limit depends on the applicable sum insured and policy configuration. |
| Deductible Option |
|---|
Energy Silver With Copay Not available |
VS VS |
Health Elite A voluntary deductible may be available under applicable ICICI Lombard health products, but its availability for this Health Elite variant is not verified. |
| Coverage Options |
|---|
Energy Silver With Copay Available coverage options: ₹2L, 3L, 5L, 10L, 20L, 25L, 50L |
VS VS |
Health Elite Information Unavailable |
| Claim Settlement Ratio |
|---|
Energy Silver With Copay 95% |
VS VS |
Health Elite FY 24-25: ~84% |
| Maternity Cover |
|---|
Energy Silver With Copay Not available |
VS VS |
Health Elite Published materials list multiple sum insured options, including ₹5 lakh, ₹7 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh, ₹25 lakh and ₹50 lakh. Availability varies by policy version. |
Insurance Plans Comparison
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