Oneassure

Partner with us

Insurance Plans Comparison

ICICI Lombard Smart Super Health Assure 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 more
ICICI Lombard

Smart Super Health Assure

Smart Super Health Assure

What Makes It Special:

Smart Super Health is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.

Best For:

  • Not available
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

ICICI Lombard Smart Super Health Assure

Not available

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

Smart Super Health Assure
Smart Super Health Assure

Health Insurance Plan

VS
Energy Silver With Copay
Energy Silver With Copay

Health Insurance Plan

Brochure

Room Rent

Smart Super Health Assure

Normal: Not applicable — this is a critical illness benefit plan

ICU: Not applicable — this is a lump sum critical illness payout plan

VS

Energy Silver With Copay

All room categories are covered

Advanced Treatments

Smart Super Health Assure

Major Organ Transplant (Recipient)

Coronary Artery Bypass Graft Surgery

Stroke

Cancer

Heart Attack

Kidney Failure

VS

Energy Silver With Copay

Not Available

ICU Charges

Smart Super Health Assure

Not Available

VS

Energy Silver With Copay

No restriction on ICU room rent

Co-payment

Smart Super Health Assure

Not mentioned

VS

Energy Silver With Copay

Available as an option

Disease-wise sublimits

Smart Super Health Assure

Not Available

VS

Energy Silver With Copay

No

Waiting Period

Smart Super Health Assure

Initial Waiting Period: 6 months

Specific Disease/Procedure Waiting Period: Critical illness diagnosis between 6 months to 1 year receives reduced payout

VS

Energy Silver With Copay

Not Available

Cashless Healthcare Providers

Smart Super Health Assure

6,500 network hospitals

VS

Energy Silver With Copay

15,000+ Healthcare Providers

Restoration Benefit

Smart Super Health Assure

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

Daycare Treatment

Smart Super Health Assure

Not Applicable

VS

Energy Silver With Copay

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

Cumulative Bonus

Smart Super Health Assure

Not Available

VS

Energy Silver With Copay

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

AYUSH Treatment

Smart Super Health Assure

Not Mentioned

VS

Energy Silver With Copay

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

Consumable Cover

Smart Super Health Assure

Not Available

VS

Energy Silver With Copay

Yes

Initial Waiting Period

Smart Super Health Assure

Not Available

VS

Energy Silver With Copay

30 days

Specific Waiting Period

Smart Super Health Assure

Not Available

VS

Energy Silver With Copay

2 years

PED Waiting Period

Smart Super Health Assure

Not Available

VS

Energy Silver With Copay

2 years

Modern Treatment

Smart Super Health Assure

Not Available

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

Smart Super Health Assure

Not Available

VS

Energy Silver With Copay

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

Pre-Hospitalisation

Smart Super Health Assure

Not Available

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

Smart Super Health Assure

Not Available

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)

Smart Super Health Assure

Not Available

VS

Energy Silver With Copay

OPD expense is not included

Deductible Option

Smart Super Health Assure

Not Available

VS

Energy Silver With Copay

Not available

Coverage Options

Smart Super Health Assure

Not Available

VS

Energy Silver With Copay

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

Claim Settlement Ratio

Smart Super Health Assure

Not Available

VS

Energy Silver With Copay

95%

Maternity Cover

Smart Super Health Assure

Not Available

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

Compare With Other Health Insurance Plans

Smart Super Health Assure vs Supreme (Direct)

Smart Super Health Assure vs Senior First Gold Plan

Smart Super Health Assure vs Activ One VIP

Smart Super Health Assure vs Optima Secure Global Plus

Smart Super Health Assure vs Health Recharge Super Top Up Plan

Energy Silver With Copay vs Supreme (Direct)

Energy Silver With Copay vs Senior First Gold Plan

Energy Silver With Copay vs Activ One VIP

Energy Silver With Copay vs Optima Secure Global Plus

Energy Silver With Copay vs Health Recharge Super Top Up Plan

Oneassure

Health Insurance

Compare Health Insurance Plans

Smart Super Health Assure Vs Energy Silver With Copay

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.