Insurance Plans Comparison
HDFC ERGO Energy Silver With Copay vs Magma OneHealth Premium
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreEnergy Silver With Copay
HDFC ERGO Energy Silver Plan
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
What Makes It Special:
Health insurance plan with hospitalisation cover, 405 daycare procedures, cumulative bonus, reload of Sum Insured, pre and post-hospitalisation cover, emergency road ambulance and access to 6,100+ cashless network hospitals.
Best For:
Customers who prefer access to a large cashless hospital network
Customers who want cumulative bonus and reload benefits
Customers looking for multiple Sum Insured options
Families looking for individual or family floater coverage
Individuals looking for hospitalisation-focused health insurance
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
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
Magma OneHealth Premium
Buyers should consider the waiting periods, sub-limits, co-payment conditions and exclusions before choosing the plan.
Includes reload of Sum Insured from the first claim, subject to policy terms
Provides cumulative bonus of 10% for every claim-free year, up to 50%
Offers Sum Insured options from ₹2 lakh to ₹10 lakh under the Elite plan
Covers inpatient hospitalisation, daycare, pre and post-hospitalisation expenses
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Energy Silver With Copay Health Insurance Plan VS VS |
OneHealth Premium Health Insurance Plan |
| Room Rent |
|---|
Energy Silver With Copay All room categories are covered |
VS VS |
OneHealth Premium Up to 1% of Sum Insured or ₹5,000 per Day |
| ICU Charges |
|---|
Energy Silver With Copay No restriction on ICU room rent |
VS VS |
OneHealth Premium Up to 2% of Sum Insured or ₹6,000 per Day |
| Disease-wise sublimits |
|---|
Energy Silver With Copay No |
VS VS |
OneHealth Premium Specific Disease-wise Sublimits Apply |
| Co-payment |
|---|
Energy Silver With Copay Available as an option |
VS VS |
OneHealth Premium 10% in Applicable Circumstances |
| 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 |
OneHealth Premium Reload Available from the First Claim |
| Cashless Healthcare Providers |
|---|
Energy Silver With Copay 15,000+ Healthcare Providers |
VS VS |
OneHealth Premium 6,100+ Network Hospitals |
| Cumulative Bonus |
|---|
Energy Silver With Copay Your sum insured increases by 10% every year, maximum up to 100% |
VS VS |
OneHealth Premium 10% per Claim-Free Year, Up to 50% |
| Daycare Treatment |
|---|
Energy Silver With Copay Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
OneHealth Premium 405 Daycare Procedures Covered |
| Consumable Cover |
|---|
Energy Silver With Copay Yes |
VS VS |
OneHealth Premium Available Through Optional Cover |
| AYUSH Treatment |
|---|
Energy Silver With Copay Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
OneHealth Premium Not Specifically Mentioned in the Brochure |
| Initial Waiting Period |
|---|
Energy Silver With Copay 30 days |
VS VS |
OneHealth Premium 30 Days |
| Specific Waiting Period |
|---|
Energy Silver With Copay 2 years |
VS VS |
OneHealth Premium 2 Years for Specified Procedures |
| PED Waiting Period |
|---|
Energy Silver With Copay 2 years |
VS VS |
OneHealth Premium 3 Years |
| 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 |
OneHealth Premium Not Specifically Mentioned in the Brochure |
| Annual Health Checkup |
|---|
Energy Silver With Copay Health check-up is available twice every policy year, from day 1 of the policy |
VS VS |
OneHealth Premium Available After 2 Continuous Claim-Free Renewals |
| 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 |
OneHealth Premium Covered for Up to 30 Days |
| 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 |
OneHealth Premium Covered for Up to 45 Days |
| Outpatient Department Cover (OPD Expense) |
|---|
Energy Silver With Copay OPD expense is not included |
VS VS |
OneHealth Premium Not Covered as a Base Benefit |
| Deductible Option |
|---|
Energy Silver With Copay Not available |
VS VS |
OneHealth Premium Not Specified in the Brochure |
| Coverage Options |
|---|
Energy Silver With Copay Available coverage options: ₹2L, 3L, 5L, 10L, 20L, 25L, 50L |
VS VS |
OneHealth Premium Sum Insured Options from ₹2 Lakh to ₹10 Lakh |
| Claim Settlement Ratio |
|---|
Energy Silver With Copay 95% |
VS VS |
OneHealth Premium Not Specified in the Brochure |
| Maternity Cover |
|---|
Energy Silver With Copay Not available |
VS VS |
OneHealth Premium Not Covered Except Ectopic Pregnancy |
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
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
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One policy covers the entire family
High sum insured with cashless care
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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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