HDFC ERGO Energy Silver vs Care Enhance 1

All room categories are covered

1. Normal:  No limit on room rent.
2. ICU: No limit on ICU charges.

No restriction on ICU room rent

No restriction on ICU room rent

1. Robotic surgery
2. Stem cell therapy
3. Deep brain stimulation
4. Immunotherapy
5. Monoclonal antibody injections
6. Oral chemotherapy
7. Intra-vitreal injections
8. Balloon Sinuplasty.

No

No

Available as an option

No mandatory co-payment for policyholders below 61 years. Policyholders above 61 years have a mandatory 20% co-payment.

.

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

15,000+ Healthcare Providers

Access to 24,800+ network hospitals for cashless treatment.

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

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

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

.

Yes

Yes

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

.

30 days

30 days

2 years

2 years

2 years

3 years

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

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

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

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

You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved

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

You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it

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

OPD expense is not included

OPD expense is not included

Not available

Available

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

Available coverage options: 20L to 1cr

95%

87.10%

Not available

Not available