Insurance Plans Comparison
ICICI Lombard Activate Booster Plan B vs HDFC ERGO Energy Silver Without Copay
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreActivate Booster Plan B
Flexible super top-up health insurance with high Sum Insured options, extended optional benefits and multiple deductible choices.
What Makes It Special:
Plan B combines high Sum Insured options with broader optional benefits such as health check-up, nursing at home and dependent accommodation, subject to additional premium and applicable conditions.
Best For:
Financial safety for large medical bills
Advanced treatment and wellness add-ons
High-sum insured super top-up policy
Maximum flexibility and big coverage
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
You seek quick claim settlement and annual health check-ups
You want coverage for dependents accommodation during hospitalization
You prefer easy conversion to base plan, no deductible
You want flexibility to top-up your policy
You need health coverage up to ₹3 crore
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
![]() Activate Booster Plan B Health Insurance Plan VS VS |
![]() Energy Silver Without Copay Health Insurance Plan |
| Room Rent |
|---|
Activate Booster Plan B 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 |
VS VS |
Energy Silver Without Copay
|
| ICU Charges |
|---|
Activate Booster Plan B No restriction on ICU room rent |
VS VS |
Energy Silver Without Copay Not specified. |
| Advanced Treatments |
|---|
Activate Booster Plan B 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 |
|---|
Activate Booster Plan B Not available |
VS VS |
Energy Silver Without Copay No copayments. Mentioned in the name of the policy itself. |
| Disease-wise sublimits |
|---|
Activate Booster Plan B No |
VS VS |
Energy Silver Without Copay Not specified |
| Waiting Period |
|---|
Activate Booster Plan B Information Unavailable |
VS VS |
Energy Silver Without Copay
|
| Restoration Benefit |
|---|
Activate Booster Plan B Not available |
VS VS |
Energy Silver Without Copay Restore Benefit stated as available; the restoration amount, number of restorations and conditions are Not specified in the available literature |
| Cashless Healthcare Providers |
|---|
Activate Booster Plan B 10,300+ Healthcare Providers |
VS VS |
Energy Silver Without Copay 16,000 cashless healthcare providers. |
| Cumulative Bonus |
|---|
Activate Booster Plan B Available as an option |
VS VS |
Energy Silver Without Copay Not covered — non-medical expenses are excluded |
| Daycare Treatment |
|---|
Activate Booster Plan B Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
Energy Silver Without Copay Covered under the policy. |
| Consumable Cover |
|---|
Activate Booster Plan B Yes |
VS VS |
Energy Silver Without Copay Not covered — non-medical expenses are excluded |
| AYUSH Treatment |
|---|
Activate Booster Plan B Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Energy Silver Without Copay Covered under this policy |
| Initial Waiting Period |
|---|
Activate Booster Plan B 30 days |
VS VS |
Energy Silver Without Copay Not specified. No waiting period applies to hospitalisation arising out of diabetes or hypertension |
| Specific Waiting Period |
|---|
Activate Booster Plan B 2 years |
VS VS |
Energy Silver Without Copay 24 months for specified diseases including cataract, hernia, joint replacement surgeries and surgery of hydrocele |
| PED Waiting Period |
|---|
Activate Booster Plan B 3 years |
VS VS |
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 |
| Modern Treatment |
|---|
Activate Booster Plan B Hospital expenses for listed advanced treatments are covered up to your annual sum insured during the policy period |
VS VS |
Energy Silver Without Copay Not specified. |
| Annual Health Checkup |
|---|
Activate Booster Plan B Health checkup is not included as part of base cover. However, you can opt for the Annual Health Checkup Add-on to avail health checkup once per Policy Year |
VS VS |
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 |
| Pre-Hospitalisation |
|---|
Activate Booster Plan B You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
VS VS |
Energy Silver Without Copay Information Unavailable |
| Post-Hospitalisation |
|---|
Activate Booster Plan B You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it |
VS VS |
Energy Silver Without Copay 60 days |
| Outpatient Department Cover (OPD Expense) |
|---|
Activate Booster Plan B OPD expense is not included as part of base cover. However, you can opt for an add-on to avail this coverage |
VS VS |
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 |
| Deductible Option |
|---|
Activate Booster Plan B Available |
VS VS |
Energy Silver Without Copay Not specified |
| Coverage Options |
|---|
Activate Booster Plan B Available coverage options: ₹10L, 15L, 20L, 25L, 45L, 50L, 85L, 90L, 95L, 1Cr, 3Cr |
VS VS |
Energy Silver Without Copay Individual only — no family floater option |
| Claim Settlement Ratio |
|---|
Activate Booster Plan B 97.16% |
VS VS |
Energy Silver Without Copay Information Unavailable |
| Maternity Cover |
|---|
Activate Booster Plan B Not available |
VS VS |
Energy Silver Without Copay Not covered — pregnancy is excluded |
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?
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Frequently Asked Questions (FAQs)
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