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Insurance Plans Comparison

HDFC ERGO Energy Silver With Copay vs Star Young Star Gold

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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HDFC ERGO

Energy 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
Star

Young Star Gold

Star Health Young Star Gold Plan

What Makes It Special:

Star Young Star Gold is a smart health insurance plan designed for young adults, offering sum insured options from ₹3 lakh up to ₹1 crore. The plan covers hospitalization, daycare procedures, pre and post-hospitalization expenses, and provides cashless treatment across a wide hospital network. It features no pre-acceptance medical screening,...

Best For:

  • Flexible payment and coverage options

  • Comprehensive high-limit individual and floater

  • Smart young adult health protection

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

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

Star Young Star Gold

  • You seek automatic sum insured restoration

  • You enjoy wellness rewards and teleconsultations

  • You value maternity and newborn benefits included

  • You want cashless treatments at many hospitals

  • You prefer no medical screening for easy entry

  • You want broad coverage up to ₹1 crore

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Energy Silver With Copay
Energy Silver With Copay

Health Insurance Plan

Brochure

VS
Young Star Gold
Young Star Gold

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Energy Silver With Copay

All room categories are covered

VS

Young Star Gold

Single Private Room is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category

ICU Charges

Energy Silver With Copay

No restriction on ICU room rent

VS

Young Star Gold

No restriction on ICU room rent

Disease-wise sublimits

Energy Silver With Copay

No

VS

Young Star Gold

Yes, certain diseases have coverage limits

Co-payment

Energy Silver With Copay

Available as an option

VS

Young Star Gold

Not Available

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

Young Star Gold

Sum insured restores to 100% after each claim during the policy year

Cashless Healthcare Providers

Energy Silver With Copay

15,000+ Healthcare Providers

VS

Young Star Gold

13000+ Healthcare Providers

Cumulative Bonus

Energy Silver With Copay

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

VS

Young Star Gold

Sum insured increases by 20% every year, up to 100% max

Daycare Treatment

Energy Silver With Copay

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

VS

Young Star Gold

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

Consumable Cover

Energy Silver With Copay

Yes

VS

Young Star Gold

Yes

AYUSH Treatment

Energy Silver With Copay

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

VS

Young Star Gold

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

Initial Waiting Period

Energy Silver With Copay

30 days

VS

Young Star Gold

30 days.

Specific Waiting Period

Energy Silver With Copay

2 years

VS

Young Star Gold

1 year

PED Waiting Period

Energy Silver With Copay

2 years

VS

Young Star Gold

1 year

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

Young Star Gold

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup

Energy Silver With Copay

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

VS

Young Star Gold

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

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

Young Star Gold

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

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

Young Star Gold

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)

Energy Silver With Copay

OPD expense is not included

VS

Young Star Gold

Not covered under base plan (available as add-on)

Deductible Option

Energy Silver With Copay

Not available

VS

Young Star Gold

Available as an option

Coverage Options

Energy Silver With Copay

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

VS

Young Star Gold

Available coverage options:₹3L, ₹5L, 10L, 15L, 20L, 25L, 50L, 75L and 1 Cr

Claim Settlement Ratio

Energy Silver With Copay

95%

VS

Young Star Gold

82.31%

Maternity Cover

Energy Silver With Copay

Not available

VS

Young Star Gold

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

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