Insurance Plans Comparison
HDFC ERGO Energy Silver Without Copay vs Care Freedom
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read more
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
VS
Freedom
Health Coverage for Diabetes, Hypertension, and High BMI with Short 2-Year PED Waiting Period
What Makes It Special:
Care Freedom provides health insurance coverage without pre-policy medical check-ups for individuals managing Diabetes, High Blood Pressure, or high BMI.
Best For:
Buyers wanting consumable daily allowance
Families looking for annual health check-ups.
Individuals seeking health insurance without undergoing pre-policy medical screening.
Customer is looking for a short two year PED waiting period
Buyers managing diabetes, hypertension, or elevated BMI.
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
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.
Co-payment provisions applied based on age
In-built, one time, automatic sum insured recharge
Includes annual health checkups for all covered adult member.
Requires no pre-policy medical checkup across all ages and sum insured choices.
Features are reduced 24 months waiting period for pre-existing diseases.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Energy Silver Without Copay Health Insurance Plan VS VS |
Freedom Health Insurance Plan |
| Room Rent |
|---|
Energy Silver Without Copay
|
VS VS |
Freedom For ₹3 lakh and ₹5 lakh sum insured options, room rent is restricted to twin-sharing accommodation, subject to the applicable limit. For ₹7 lakh and ₹10 lakh options, single private room is covered. |
| Advanced Treatments |
|---|
Energy Silver Without Copay Includes modern medical procedures like robotic surgery, organ transplants, and advanced cancer treatments for enhanced healthcare access. |
VS VS |
Freedom Information Unavailable |
| ICU Charges |
|---|
Energy Silver Without Copay Information Unavailable |
VS VS |
Freedom ICU charges are covered up to 2% of the sum insured per day for ₹3 lakh sum insured, while there is no limit for ₹5 lakh, ₹7 lakh and ₹10 lakh sum insured options. |
| Co-payment |
|---|
Energy Silver Without Copay No copayments. Mentioned in the name of the policy itself. |
VS VS |
Freedom 20% co-payment is applicable per claim. An additional 10% co-payment applies from the policy year following the insured person attaining 71 years of age, subject to the policy terms. |
| Disease-wise sublimits |
|---|
Energy Silver Without Copay Information Unavailable |
VS VS |
Freedom Yes. Sublimits apply to specified treatments including cataract, total knee replacement, hernia, hysterectomy, BPH, renal stones, cardiovascular and cerebrovascular disorders, cancer, other renal complications and bone fractures. |
| Waiting Period |
|---|
Energy Silver Without Copay
|
VS VS |
Freedom Information Unavailable |
| Cashless Healthcare Providers |
|---|
Energy Silver Without Copay 16,000 cashless healthcare providers. |
VS VS |
Freedom 11,600+ cashless network hospitals are available across India. |
| Restoration Benefit |
|---|
Energy Silver Without Copay Information Unavailable |
VS VS |
Freedom Yes, the base sum insured is automatically recharged by 100% upon exhaustion, subject to the policy terms. The recharged sum insured can be used for future claims. |
| Daycare Treatment |
|---|
Energy Silver Without Copay Covered under the policy. |
VS VS |
Freedom Covers all eligible Day Care Procedures up to the sum insured. |
| Cumulative Bonus |
|---|
Energy Silver Without Copay Information Unavailable |
VS VS |
Freedom No cumulative bonus is available. |
| AYUSH Treatment |
|---|
Energy Silver Without Copay Covered under this policy |
VS VS |
Freedom Covers AYUSH treatment expenses up to the sum insured during the policy period. |
| Consumable Cover |
|---|
Energy Silver Without Copay Information Unavailable |
VS VS |
Freedom Consumable allowance is available at ₹750 per day for ₹3 lakh and ₹5 lakh sum insured options, subject to a maximum of 7 days per hospitalisation after 3 days. |
| Initial Waiting Period |
|---|
Energy Silver Without Copay Information Unavailable |
VS VS |
Freedom 30 days for all illnesses, except accidental injuries. |
| Specific Waiting Period |
|---|
Energy Silver Without Copay Information Unavailable |
VS VS |
Freedom 2 years for specified named ailments. |
| PED Waiting Period |
|---|
Energy Silver Without Copay Information Unavailable |
VS VS |
Freedom 2 years for pre-existing diseases. |
| Modern Treatment |
|---|
Energy Silver Without Copay Information Unavailable |
VS VS |
Freedom Coverage for treatment using specified advanced technology methods is not available under the plan. |
| Annual Health Checkup |
|---|
Energy Silver Without Copay Information Unavailable |
VS VS |
Freedom Annual health checkup is available for all adult members insured under the policy. |
| Pre-Hospitalisation |
|---|
Energy Silver Without Copay Information Unavailable |
VS VS |
Freedom Pre-hospitalisation expenses are covered subject to the applicable limit of 7.5% or 10% of payable hospitalisation expenses, depending on the plan option. |
| Post-Hospitalisation |
|---|
Energy Silver Without Copay Information Unavailable |
VS VS |
Freedom |
| Outpatient Department Cover (OPD Expense) |
|---|
Energy Silver Without Copay Information Unavailable |
VS VS |
Freedom OPD expense is not included in the base plan. |
| Deductible Option |
|---|
Energy Silver Without Copay Information Unavailable |
VS VS |
Freedom Not available as a standard deductible option. |
| Coverage Options |
|---|
Energy Silver Without Copay Information Unavailable |
VS VS |
Freedom Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L. |
| Claim Settlement Ratio |
|---|
Energy Silver Without Copay Information Unavailable |
VS VS |
Freedom 96.3% for the period April 2025 to December 2025. |
| Maternity Cover |
|---|
Energy Silver Without Copay Information Unavailable |
VS VS |
Freedom 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
From choosing the right policy to managing claims, every step is handled for you
Zero Spam. Zero Hassle
Pure advice, no unwanted calls, no unnecessary push
Free Expert Consultation
Talk to experienced advisors at no cost, and make confident decisions
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
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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
Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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
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.
Explore Our Most Popular Plans
Compare With Other Health Insurance Plans
Energy Silver Without Copay vs Supreme Senior Premium
Energy Silver Without Copay vs Ultimate
Energy Silver Without Copay vs Optima Secure
Energy Silver Without Copay vs Super Mediclaim
Energy Silver Without Copay vs Critical Illness Platinum Plan
Energy Silver Without Copay vs Health Recharge
Energy Silver Without Copay vs Optima Secure Plus
Energy Silver Without Copay vs Cancer Cover Activ Cancer Secure Plan
Energy Silver Without Copay vs Optima Secure Global Plus
Energy Silver Without Copay vs LifeTime Health Global
Energy Silver Without Copay vs Women Care
Energy Silver Without Copay vs Aspire Diamond+
Energy Silver Without Copay vs Activate Booster Plan A
Energy Silver Without Copay vs Health Super Saver Standard
Energy Silver Without Copay vs Active Care Premier
Energy Silver Without Copay vs ProHealth Accumulate
Energy Silver Without Copay vs Supreme Shine
Energy Silver Without Copay vs Health Cardiac Care Silver & Gold Plan
Energy Silver Without Copay vs myHealth Suraksha Gold
Energy Silver Without Copay vs Elder Care
Energy Silver Without Copay vs Young Star Gold
Energy Silver Without Copay vs Assure
Energy Silver Without Copay vs Active Fit Plus
Energy Silver Without Copay vs Cancer Care Platinum
Energy Silver Without Copay vs OneHealth Premium
Energy Silver Without Copay vs Optima Lite
Energy Silver Without Copay vs ProHealth Prime Protect
Energy Silver Without Copay vs Medicare Plus
Energy Silver Without Copay vs Activ Health Platinum Essential
Energy Silver Without Copay vs Medicare Senior
Energy Silver Without Copay vs Enhance Super Top-up Two
Energy Silver Without Copay vs Reassure 3.0
Energy Silver Without Copay vs Medicare Protect
Energy Silver Without Copay vs Activ One SAVR
Energy Silver Without Copay vs Active Assure Diamond
Energy Silver Without Copay vs Activ One VIP
Energy Silver Without Copay vs Health Pulse Classic
Energy Silver Without Copay vs Advantage
Energy Silver Without Copay vs Mediclaim Insurance Policy
Energy Silver Without Copay vs Special Care Gold
Energy Silver Without Copay vs Energy Gold Without Copay
Energy Silver Without Copay vs Activ One Max
Energy Silver Without Copay vs Classic
Energy Silver Without Copay vs Activ One Vytl
Energy Silver Without Copay vs Supreme
Energy Silver Without Copay vs Freedom
Energy Silver Without Copay vs Sarvah Pratham
Energy Silver Without Copay vs Joy Today
Energy Silver Without Copay vs Medi Classic
Energy Silver Without Copay vs Activate Booster Plan B
Energy Silver Without Copay vs Aspire Gold+
Energy Silver Without Copay vs Health Gain
Energy Silver Without Copay vs Aspire Platinum+
Energy Silver Without Copay vs Plus Complete
Energy Silver Without Copay vs Reassure 2.0 Platinum+
Energy Silver Without Copay vs Reassure 3.0 Elite
Energy Silver Without Copay vs EquiCover
Energy Silver Without Copay vs Enhance Super Top-up One
Energy Silver Without Copay vs Joy Tomorrow
Energy Silver Without Copay vs Reassure 3.0 Select
Energy Silver Without Copay vs Activ One VIP+
Energy Silver Without Copay vs Red Carpet Senior Citizens
Energy Silver Without Copay vs Super Surplus Gold
Energy Silver Without Copay vs Health SuperCharge
Energy Silver Without Copay vs Medicare Premier
Energy Silver Without Copay vs Family Health Optima
Energy Silver Without Copay vs Health Companion Variant 2022
Energy Silver Without Copay vs Health Companion Variant 3
Energy Silver Without Copay vs Plus Youth
Energy Silver Without Copay vs ProHealth Prime Advantage
Energy Silver Without Copay vs Critical Illness Silver Plan
Energy Silver Without Copay vs Health Premia Gold
Energy Silver Without Copay vs Health Premia Platinum
Energy Silver Without Copay vs Comprehensive
Energy Silver Without Copay vs HeartBeat Enhanced
Energy Silver Without Copay vs Reassure
Energy Silver Without Copay vs Health Recharge Super Top Up Plan
Energy Silver Without Copay vs myHealth Suraksha Platinum
Energy Silver Without Copay vs Supreme Value for Money
Energy Silver Without Copay vs Supreme Enhance Two
Energy Silver Without Copay vs Supreme Senior Super
Energy Silver Without Copay vs Supreme Enhance
Energy Silver Without Copay vs Reassure 2.0 Gold
Energy Silver Without Copay vs Active Fit Preferred
Energy Silver Without Copay vs LifeTime Health
Energy Silver Without Copay vs Medicare
Energy Silver Without Copay vs ProHealth Prime Active
Energy Silver Without Copay vs ProHealth Prime Senior Elite
Energy Silver Without Copay vs Advanced Top Up
Energy Silver Without Copay vs Multiplier Health
Energy Silver Without Copay vs Ultimate (Direct)
Energy Silver Without Copay vs Young Star
Energy Silver Without Copay vs Star Women Care Policy
Energy Silver Without Copay vs Family Plus
Energy Silver Without Copay vs Sarvah Param
Energy Silver Without Copay vs Optima Insurance
Energy Silver Without Copay vs Smart Super Health Assure
Energy Silver Without Copay vs Criti Shield Plus
Energy Silver Without Copay vs Health Care Supreme Ultimo
Energy Silver Without Copay vs Health Shield 360 Retail
Energy Silver Without Copay vs Super Star
Energy Silver Without Copay vs Reassure 3.0 Black
Energy Silver Without Copay vs Health Guard Platinum
Energy Silver Without Copay vs Health Guard Gold
Energy Silver Without Copay vs Elevate (Direct)
Energy Silver Without Copay vs Senior First Platinum
Energy Silver Without Copay vs Extra Care Plus Super Top-up
Energy Silver Without Copay vs Health Care Supreme Smart
Energy Silver Without Copay vs Medi Classic Gold
Energy Silver Without Copay vs Smart Health Pro
Energy Silver Without Copay vs Optima Super Secure
Energy Silver Without Copay vs Special Care
Energy Silver Without Copay vs Optima Secure Global
Energy Silver Without Copay vs Medicare LITE
Energy Silver Without Copay vs Health Shield 360
Energy Silver Without Copay vs NextGen
Energy Silver Without Copay vs SecureHealth
Energy Silver Without Copay vs Energy Silver With Copay
Energy Silver Without Copay vs Supreme (Direct)
Energy Silver Without Copay vs Plus
Energy Silver Without Copay vs Medicare Select
Energy Silver Without Copay vs myHealth Koti Suraksha
Energy Silver Without Copay vs Senior
Energy Silver Without Copay vs myHealth Suraksha Silver
Energy Silver Without Copay vs Cardiac Care Platinum
Energy Silver Without Copay vs Royal Sundaram Lifeline Elite
Energy Silver Without Copay vs HeartBeat Platinum
Energy Silver Without Copay vs Supreme Enhance One
Energy Silver Without Copay vs HeartBeat Gold
Energy Silver Without Copay vs Aspire Titanium+
Energy Silver Without Copay vs iHealth Plus
Energy Silver Without Copay vs Reassure 3.0 Classic
Energy Silver Without Copay vs Senior Health Advantage
Energy Silver Without Copay vs Health Wallet
Energy Silver Without Copay vs Elevate
Energy Silver Without Copay vs Heart
Energy Silver Without Copay vs Reassure 2.0 Titanium+
Energy Silver Without Copay vs Diabetes Safe Plan A
Energy Silver Without Copay vs Reassure 2.0 Bronze+
Energy Silver Without Copay vs Young Star Silver
Energy Silver Without Copay vs Enhance Super Top-up
Energy Silver Without Copay vs Joy
Energy Silver Without Copay vs Supreme Senior Health AdvantEdge
Energy Silver Without Copay vs Supreme Super Saver
Energy Silver Without Copay vs Health Insurance Platinum
Freedom vs Supreme Senior Premium
Freedom vs Energy Silver Without Copay
Freedom vs Ultimate
Freedom vs Optima Secure
Freedom vs Super Mediclaim
Freedom vs Critical Illness Platinum Plan
Freedom vs Health Recharge
Freedom vs Optima Secure Plus
Freedom vs Cancer Cover Activ Cancer Secure Plan
Freedom vs Optima Secure Global Plus
Freedom vs LifeTime Health Global
Freedom vs Women Care
Freedom vs Aspire Diamond+
Freedom vs Activate Booster Plan A
Freedom vs Health Super Saver Standard
Freedom vs Active Care Premier
Freedom vs ProHealth Accumulate
Freedom vs Supreme Shine
Freedom vs Health Cardiac Care Silver & Gold Plan
Freedom vs myHealth Suraksha Gold
Freedom vs Elder Care
Freedom vs Young Star Gold
Freedom vs Assure
Freedom vs Active Fit Plus
Freedom vs Cancer Care Platinum
Freedom vs OneHealth Premium
Freedom vs Optima Lite
Freedom vs ProHealth Prime Protect
Freedom vs Medicare Plus
Freedom vs Activ Health Platinum Essential
Freedom vs Medicare Senior
Freedom vs Enhance Super Top-up Two
Freedom vs Reassure 3.0
Freedom vs Medicare Protect
Freedom vs Activ One SAVR
Freedom vs Active Assure Diamond
Freedom vs Activ One VIP
Freedom vs Health Pulse Classic
Freedom vs Advantage
Freedom vs Mediclaim Insurance Policy
Freedom vs Special Care Gold
Freedom vs Energy Gold Without Copay
Freedom vs Activ One Max
Freedom vs Classic
Freedom vs Activ One Vytl
Freedom vs Supreme
Freedom vs Sarvah Pratham
Freedom vs Joy Today
Freedom vs Medi Classic
Freedom vs Activate Booster Plan B
Freedom vs Aspire Gold+
Freedom vs Health Gain
Freedom vs Aspire Platinum+
Freedom vs Plus Complete
Freedom vs Reassure 2.0 Platinum+
Freedom vs Reassure 3.0 Elite
Freedom vs EquiCover
Freedom vs Enhance Super Top-up One
Freedom vs Joy Tomorrow
Freedom vs Reassure 3.0 Select
Freedom vs Activ One VIP+
Freedom vs Red Carpet Senior Citizens
Freedom vs Super Surplus Gold
Freedom vs Health SuperCharge
Freedom vs Medicare Premier
Freedom vs Family Health Optima
Freedom vs Health Companion Variant 2022
Freedom vs Health Companion Variant 3
Freedom vs Plus Youth
Freedom vs ProHealth Prime Advantage
Freedom vs Critical Illness Silver Plan
Freedom vs Health Premia Gold
Freedom vs Health Premia Platinum
Freedom vs Comprehensive
Freedom vs HeartBeat Enhanced
Freedom vs Reassure
Freedom vs Health Recharge Super Top Up Plan
Freedom vs myHealth Suraksha Platinum
Freedom vs Supreme Value for Money
Freedom vs Supreme Enhance Two
Freedom vs Supreme Senior Super
Freedom vs Supreme Enhance
Freedom vs Reassure 2.0 Gold
Freedom vs Active Fit Preferred
Freedom vs LifeTime Health
Freedom vs Medicare
Freedom vs ProHealth Prime Active
Freedom vs ProHealth Prime Senior Elite
Freedom vs Advanced Top Up
Freedom vs Multiplier Health
Freedom vs Ultimate (Direct)
Freedom vs Young Star
Freedom vs Star Women Care Policy
Freedom vs Family Plus
Freedom vs Sarvah Param
Freedom vs Optima Insurance
Freedom vs Smart Super Health Assure
Freedom vs Criti Shield Plus
Freedom vs Health Care Supreme Ultimo
Freedom vs Health Shield 360 Retail
Freedom vs Super Star
Freedom vs Reassure 3.0 Black
Freedom vs Health Guard Platinum
Freedom vs Health Guard Gold
Freedom vs Elevate (Direct)
Freedom vs Senior First Platinum
Freedom vs Extra Care Plus Super Top-up
Freedom vs Health Care Supreme Smart
Freedom vs Medi Classic Gold
Freedom vs Smart Health Pro
Freedom vs Optima Super Secure
Freedom vs Special Care
Freedom vs Optima Secure Global
Freedom vs Medicare LITE
Freedom vs Health Shield 360
Freedom vs NextGen
Freedom vs SecureHealth
Freedom vs Energy Silver With Copay
Freedom vs Supreme (Direct)
Freedom vs Plus
Freedom vs Medicare Select
Freedom vs myHealth Koti Suraksha
Freedom vs Senior
Freedom vs myHealth Suraksha Silver
Freedom vs Cardiac Care Platinum
Freedom vs Royal Sundaram Lifeline Elite
Freedom vs HeartBeat Platinum
Freedom vs Supreme Enhance One
Freedom vs HeartBeat Gold
Freedom vs Aspire Titanium+
Freedom vs iHealth Plus
Freedom vs Reassure 3.0 Classic
Freedom vs Senior Health Advantage
Freedom vs Health Wallet
Freedom vs Elevate
Freedom vs Heart
Freedom vs Reassure 2.0 Titanium+
Freedom vs Diabetes Safe Plan A
Freedom vs Reassure 2.0 Bronze+
Freedom vs Young Star Silver
Freedom vs Enhance Super Top-up
Freedom vs Joy
Freedom vs Supreme Senior Health AdvantEdge
Freedom vs Supreme Super Saver
Freedom vs Health Insurance Platinum
Related Blogs
Making Health Insurance Affordable: Is EMI Really the Best Way?
February 4, 2026 | OneAssure Team
Read MoreInsurance in 2026: Great for Your Wallet, But What’s Still Missing?
February 1, 2026 | OneAssure Team
Read MoreHow India’s Budget 2026 Could Shape the Future of Insurance - A Young Earner’s Guide.
February 1, 2026 | OneAssure Team
Read More.png)
Pre-Existing Disease in Health Insurance: All You Need to Know Before Buying
November 17, 2025 | Mahak Chauhan
Read More
ICICI Elevate vs Care Supreme: Which Health Plan Offers Better Coverage in 2025?
September 25, 2025 | OneAssure Team
Read More
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.