Insurance Plans Comparison
HDFC ERGO Energy Silver Without Copay vs HDFC ERGO myHealth Suraksha Silver
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreEnergy 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
myHealth Suraksha Silver
Cover hospitalisation, cashless home treatment and day care, with 60 days before admission and 180 days after discharge, plus a 5% bonus each claim-free year up to 50% of the sum insured.
What Makes It Special:
myHealth Suraksha focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.
Best For:
- Not available
Insurance Plans Comparison
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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.
Not available
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Energy Silver Without Copay Health Insurance Plan VS VS |
![]() myHealth Suraksha Silver Health Insurance Plan |
| Room Rent |
|---|
Energy Silver Without Copay
|
VS VS |
myHealth Suraksha Silver 1% of Sum Insured per day, subject to a maximum of ₹5,000 per day (if Room Rent Restriction Option is selected) 2% of Sum Insured per day, subject to a maximum of ₹10,000 per day (if Room Rent Restriction Option is selected) |
| ICU Charges |
|---|
Energy Silver Without Copay Not specified. |
VS VS |
myHealth Suraksha Silver Information Unavailable |
| 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 |
myHealth Suraksha Silver All Advance Treatment are Covered |
| Disease-wise sublimits |
|---|
Energy Silver Without Copay Not specified |
VS VS |
myHealth Suraksha Silver Information Unavailable |
| Co-payment |
|---|
Energy Silver Without Copay No copayments. Mentioned in the name of the policy itself. |
VS VS |
myHealth Suraksha Silver Optional Co-payment available |
| Waiting Period |
|---|
Energy Silver Without Copay
|
VS VS |
myHealth Suraksha Silver Initial Waiting Period: 30 Days Pre-existing Disease Waiting Period: 48 Months |
| Restoration Benefit |
|---|
Energy Silver Without Copay Restore Benefit stated as available; the restoration amount, number of restorations and conditions are Not specified in the available literature |
VS VS |
myHealth Suraksha Silver Information Unavailable |
| Cashless Healthcare Providers |
|---|
Energy Silver Without Copay 16,000 cashless healthcare providers. |
VS VS |
myHealth Suraksha Silver Available through network hospitals |
| Cumulative Bonus |
|---|
Energy Silver Without Copay Not covered — non-medical expenses are excluded |
VS VS |
myHealth Suraksha Silver Information Unavailable |
| Daycare Treatment |
|---|
Energy Silver Without Copay Covered under the policy. |
VS VS |
myHealth Suraksha Silver Covered |
| Consumable Cover |
|---|
Energy Silver Without Copay Not covered — non-medical expenses are excluded |
VS VS |
myHealth Suraksha Silver Information Unavailable |
| AYUSH Treatment |
|---|
Energy Silver Without Copay Covered under this policy |
VS VS |
myHealth Suraksha Silver Covered |
| Initial Waiting Period |
|---|
Energy Silver Without Copay Not specified. No waiting period applies to hospitalisation arising out of diabetes or hypertension |
VS VS |
myHealth Suraksha Silver Information Unavailable |
| Specific Waiting Period |
|---|
Energy Silver Without Copay 24 months for specified diseases including cataract, hernia, joint replacement surgeries and surgery of hydrocele |
VS VS |
myHealth Suraksha Silver Information Unavailable |
| PED Waiting Period |
|---|
Energy Silver Without Copay 24 months for pre-existing conditions other than diabetes or hypertension; diabetes and hypertension covered from day one. Waiting periods reduce by 1 year on each continuous renewal |
VS VS |
myHealth Suraksha Silver Information Unavailable |
| Modern Treatment |
|---|
Energy Silver Without Copay Not specified. |
VS VS |
myHealth Suraksha Silver Information Unavailable |
| Annual Health Checkup |
|---|
Energy Silver Without Copay Two wellness tests per policy year are available, but their cost is excluded under the Silver plan and borne by the insured |
VS VS |
myHealth Suraksha Silver Information Unavailable |
| Post-Hospitalisation |
|---|
Energy Silver Without Copay 60 days |
VS VS |
myHealth Suraksha Silver Information Unavailable |
| Outpatient Department Cover (OPD Expense) |
|---|
Energy Silver Without Copay Not covered as a benefit. Reward points can instead reimburse up to 25% of renewal premium towards medical expenses such as consultations, medicines, diagnostics and dental expenses not covered under any medical insurance |
VS VS |
myHealth Suraksha Silver Information Unavailable |
| Deductible Option |
|---|
Energy Silver Without Copay Not specified |
VS VS |
myHealth Suraksha Silver Information Unavailable |
| Coverage Options |
|---|
Energy Silver Without Copay Individual only — no family floater option |
VS VS |
myHealth Suraksha Silver Information Unavailable |
| Maternity Cover |
|---|
Energy Silver Without Copay Not covered — pregnancy is excluded |
VS VS |
myHealth Suraksha Silver Information Unavailable |
Insurance Plans Comparison
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