Insurance Plans Comparison
ICICI Lombard Max Protect Premium vs HDFC ERGO Energy Silver With Copay
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreMax Protect Premium
A ₹1 crore family cover with international treatment and any-room access
What Makes It Special:
Max Protect Premium is the higher MaxProtect variant with a ₹1 crore sum insured. It adds international treatment cover, air ambulance access, and a claim protector feature, and allows any room category except suite.
Best For:
Buyers who do not need maternity cover or outpatient consultations
Frequent travellers who want air ambulance access
Buyers who want access to any room category except suite
Families who want a ₹1 crore sum insured with restoration
Buyers who need international treatment cover
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
Kindly consult the insurer on co-payment and sublimits before buying.
Maternity and outpatient consultations are not covered.
Confirm the international cover limits, since the policy wording is not yet verified.
The PED waiting period is 3 years, so consider the add-on that reduces it to 2 years.
Premium costs more than Classic, so compare the added international benefits against your needs.
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
![]() Max Protect Premium Health Insurance Plan VS VS |
![]() Energy Silver With Copay Health Insurance Plan |
| Room Rent |
|---|
Max Protect Premium Any room except suite. Suite room charges are shared with the insurer. |
VS VS |
Energy Silver With Copay All room categories are covered |
| ICU Charges |
|---|
Max Protect Premium Kindly refer to policy wording |
VS VS |
Energy Silver With Copay No restriction on ICU room rent |
| Co-payment |
|---|
Max Protect Premium Kindly refer to policy wording. |
VS VS |
Energy Silver With Copay Available as an option |
| Disease-wise sublimits |
|---|
Max Protect Premium Kindly refer to the policy wording. |
VS VS |
Energy Silver With Copay No |
| Cashless Healthcare Providers |
|---|
Max Protect Premium 14,000+ cashless network hospitals |
VS VS |
Energy Silver With Copay 15,000+ Healthcare Providers |
| Restoration Benefit |
|---|
Max Protect Premium Restores up to 100% of the sum insured, multiple times in a policy year. Kindly consult the conditions. |
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 |
| Cumulative Bonus |
|---|
Max Protect Premium Kindly review the policy wording. |
VS VS |
Energy Silver With Copay Your sum insured increases by 10% every year, maximum up to 100% |
| Daycare Treatment |
|---|
Max Protect Premium Kindly refer to the policy wording. |
VS VS |
Energy Silver With Copay Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Consumable Cover |
|---|
Max Protect Premium Kindly refer to policy wording. |
VS VS |
Energy Silver With Copay Yes |
| AYUSH Treatment |
|---|
Max Protect Premium Kindly refer to policy wording. |
VS VS |
Energy Silver With Copay Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Initial Waiting Period |
|---|
Max Protect Premium 30 DAYS |
VS VS |
Energy Silver With Copay 30 days |
| Specific Waiting Period |
|---|
Max Protect Premium Kindly refer to policy wording. |
VS VS |
Energy Silver With Copay 2 years |
| PED Waiting Period |
|---|
Max Protect Premium 3 years, reducible to 2 years with the add-on |
VS VS |
Energy Silver With Copay 2 years |
| Modern Treatment |
|---|
Max Protect Premium Covered. Kindly consult for limits. |
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 |
|---|
Max Protect Premium Not offered |
VS VS |
Energy Silver With Copay Health check-up is available twice every policy year, from day 1 of the policy |
| Pre-Hospitalisation |
|---|
Max Protect Premium 60 days before hospitalisation. Kindly confirm. |
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 |
|---|
Max Protect Premium 180 days after discharge. Kindly confirm. |
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) |
|---|
Max Protect Premium Not covered. Doctor consultations are not covered. |
VS VS |
Energy Silver With Copay OPD expense is not included |
| Deductible Option |
|---|
Max Protect Premium Kindly refer to policy wording. |
VS VS |
Energy Silver With Copay Not available |
| Coverage Options |
|---|
Max Protect Premium ₹1 crore base cover. Room rent modifier and PED reduction add-ons available. |
VS VS |
Energy Silver With Copay Available coverage options: ₹2L, 3L, 5L, 10L, 20L, 25L, 50L |
| Claim Settlement Ratio |
|---|
Max Protect Premium FY 24-25: ~84% |
VS VS |
Energy Silver With Copay 95% |
| Maternity Cover |
|---|
Max Protect Premium Not offered |
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?
What Our Experts Help You With
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Every suggestion is backed by expert analysis of your life stage, goals, and budget
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From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free
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Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
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