Insurance Plans Comparison
Aditya Birla Activ One SAVR vs HDFC ERGO Energy Silver Without Copay
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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Activ One SAVR
Add 100% super credit every year, up to 500% of base sum insured, capped at ₹3 crore, even after a claim, with unlimited refills from the second claim and ₹500 daily hospital cash for a parent for 30 days.
What Makes It Special:
Activ One 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
Energy Silver Without Copay
Cover diabetes and hypertension from day one with no co-pay, pay for your own wellness tests, and get a one-time 100% restore plus a 10% yearly bonus even after claims, up to 100% of the sum insured.
What Makes It Special:
Energy is written specifically for people already diagnosed with Type I or Type II diabetes, pre-diabetes or hypertension, and covers hospitalisation arising out of those conditions from the first day of the policy rather than after a pre-existing disease waiting period; this configuration keeps claims free of co-payment while holding...
Best For:
Buyers who intend to participate in the wellness programme for the renewal discount even though they pay for the tests themselves
People who expect a sizeable hospitalisation, where a 20% co-payment would be costly in absolute terms
Buyers who prioritise full claim settlement over bundled wellness benefits when choosing between the four configurations
Buyers who already get HbA1c and lipid monitoring through an employer scheme or pay for it themselves and do not need the test cost bundled in
Individuals diagnosed with diabetes or hypertension who want day-one cover for that condition without contributing a share of each claim
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
Not available
This is an individual-only policy with no floater option, so if a spouse or parent also needs cover, budget for separate policies rather than adding them to this one.
The day-one cover applies to hospitalisation arising out of diabetes and hypertension only, so any other pre-existing condition still waits 24 months and should be declared at proposal.
You still need to undergo the wellness tests to earn reward points and the renewal discount of up to 25%, so factor the test cost into your running cost of the policy.
Compare it against the Silver plan with co-payment by calculating 20% of a realistic claim at your sum insured, because that is the amount the extra premium here buys out.
Compare this against the Gold plan without co-payment by pricing the two wellness tests locally, since the only stated difference between the plans is who bears that cost.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Activ One SAVR Health Insurance Plan VS VS |
Energy Silver Without Copay Health Insurance Plan |
| Room Rent |
|---|
Activ One SAVR Covered up to base sum insured |
VS VS |
Energy Silver Without Copay
|
| ICU Charges |
|---|
Activ One SAVR Covered up to base sum insured. |
VS VS |
Energy Silver Without Copay Information Unavailable |
| Advanced Treatments |
|---|
Activ One SAVR Information Unavailable |
VS VS |
Energy Silver Without Copay Includes modern medical procedures like robotic surgery, organ transplants, and advanced cancer treatments for enhanced healthcare access. |
| Co-payment |
|---|
Activ One SAVR No zone-wise co-payment. |
VS VS |
Energy Silver Without Copay No copayments. Mentioned in the name of the policy itself. |
| Disease-wise sublimits |
|---|
Activ One SAVR No cap on major treatments. |
VS VS |
Energy Silver Without Copay Information Unavailable |
| Waiting Period |
|---|
Activ One SAVR Information Unavailable |
VS VS |
Energy Silver Without Copay
|
| Cashless Healthcare Providers |
|---|
Activ One SAVR 16,500 + current insurer network |
VS VS |
Energy Silver Without Copay 16,000 cashless healthcare providers. |
| Restoration Benefit |
|---|
Activ One SAVR 100% base sum insured is reinstated instantly upon exhaustion, usable unlimited times per policy year for both same or different illnesses under super reload. |
VS VS |
Energy Silver Without Copay Information Unavailable |
| Cumulative Bonus |
|---|
Activ One SAVR Super credit structure is present. |
VS VS |
Energy Silver Without Copay Information Unavailable |
| Daycare Treatment |
|---|
Activ One SAVR Covered |
VS VS |
Energy Silver Without Copay Covered under the policy. |
| Consumable Cover |
|---|
Activ One SAVR Claim protect is present. |
VS VS |
Energy Silver Without Copay Information Unavailable |
| AYUSH Treatment |
|---|
Activ One SAVR Full coverage for inpatient hospital admissions in recognised Ayurveda, Yoga, Unani, Siddha, and Homoeopathy medical facilities up to sum insured |
VS VS |
Energy Silver Without Copay Covered under this policy |
| Initial Waiting Period |
|---|
Activ One SAVR 30 days |
VS VS |
Energy Silver Without Copay Information Unavailable |
| Specific Waiting Period |
|---|
Activ One SAVR 24 months |
VS VS |
Energy Silver Without Copay Information Unavailable |
| PED Waiting Period |
|---|
Activ One SAVR 36 months |
VS VS |
Energy Silver Without Copay Information Unavailable |
| Modern Treatment |
|---|
Activ One SAVR Covered up to base sum insured. |
VS VS |
Energy Silver Without Copay Information Unavailable |
| Annual Health Checkup |
|---|
Activ One SAVR Once every policy year |
VS VS |
Energy Silver Without Copay Information Unavailable |
| Pre-Hospitalisation |
|---|
Activ One SAVR 90 days |
VS VS |
Energy Silver Without Copay Information Unavailable |
| Post-Hospitalisation |
|---|
Activ One SAVR 180 days |
VS VS |
Energy Silver Without Copay Information Unavailable |
| Outpatient Department Cover (OPD Expense) |
|---|
Activ One SAVR Chronic care programme is present as an optional add-on, where outpatient doctor consultation, e-consults, and diagnostic tests specifically for managed conditions are present |
VS VS |
Energy Silver Without Copay Information Unavailable |
| Deductible Option |
|---|
Activ One SAVR Available |
VS VS |
Energy Silver Without Copay Information Unavailable |
| Coverage Options |
|---|
Activ One SAVR Available as individual and floater |
VS VS |
Energy Silver Without Copay Information Unavailable |
| Claim Settlement Ratio |
|---|
Activ One SAVR 97% insurer level FY 2025-26 |
VS VS |
Energy Silver Without Copay Information Unavailable |
| Maternity Cover |
|---|
Activ One SAVR Not covered under standard policy structure. |
VS VS |
Energy Silver Without Copay Information Unavailable |
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.
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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
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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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