Insurance Plans Comparison
ICICI Lombard Health Shield 360 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 more
Health Shield 360
Reset up to 100% of the sum insured unlimited times for a later unrelated illness, cover 90 days before hospitalisation and 180 days after, and add a 10% claim-free cumulative bonus up to 100%.
What Makes It Special:
Health Shield 360 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
Health Shield 360 Health Insurance Plan VS VS |
Energy Silver Without Copay Health Insurance Plan |
| Room Rent |
|---|
Health Shield 360 Normal: No Capping (Covered up to Sum Insured) ICU: No Capping (Covered up to Sum Insured) |
VS VS |
Energy Silver Without Copay
|
| Advanced Treatments |
|---|
Health Shield 360 Day Care Procedures Organ Donor Expenses Home Healthcare (Optional) Air Ambulance (Optional) Worldwide Coverage (Optional) |
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 |
|---|
Health Shield 360 None (100% claims paid by insurer) |
VS VS |
Energy Silver Without Copay No copayments. Mentioned in the name of the policy itself. |
| Waiting Period |
|---|
Health Shield 360 Initial Waiting Period: 30 days Pre-existing Disease Waiting Period: 24 months |
VS VS |
Energy Silver Without Copay
|
| Cashless Healthcare Providers |
|---|
Health Shield 360 6500+ network hospitals |
VS VS |
Energy Silver Without Copay 16,000 cashless healthcare providers. |
| Daycare Treatment |
|---|
Health Shield 360 Covered |
VS VS |
Energy Silver Without Copay Covered under the policy. |
| AYUSH Treatment |
|---|
Health Shield 360 Covered |
VS VS |
Energy Silver Without Copay Covered under this policy |
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
Health Shield 360 vs Supreme Senior Premium
Health Shield 360 vs Energy Silver Without Copay
Health Shield 360 vs Ultimate
Health Shield 360 vs Optima Secure
Health Shield 360 vs Super Mediclaim
Health Shield 360 vs Critical Illness Platinum Plan
Health Shield 360 vs Health Recharge
Health Shield 360 vs Optima Secure Plus
Health Shield 360 vs Cancer Cover Activ Cancer Secure Plan
Health Shield 360 vs Optima Secure Global Plus
Health Shield 360 vs LifeTime Health Global
Health Shield 360 vs Women Care
Health Shield 360 vs Aspire Diamond+
Health Shield 360 vs Activate Booster Plan A
Health Shield 360 vs Health Super Saver Standard
Health Shield 360 vs Active Care Premier
Health Shield 360 vs ProHealth Accumulate
Health Shield 360 vs Supreme Shine
Health Shield 360 vs Health Cardiac Care Silver & Gold Plan
Health Shield 360 vs myHealth Suraksha Gold
Health Shield 360 vs Elder Care
Health Shield 360 vs Young Star Gold
Health Shield 360 vs Assure
Health Shield 360 vs Active Fit Plus
Health Shield 360 vs Cancer Care Platinum
Health Shield 360 vs OneHealth Premium
Health Shield 360 vs Optima Lite
Health Shield 360 vs ProHealth Prime Protect
Health Shield 360 vs Medicare Plus
Health Shield 360 vs Activ Health Platinum Essential
Health Shield 360 vs Medicare Senior
Health Shield 360 vs Enhance Super Top-up Two
Health Shield 360 vs Reassure 3.0
Health Shield 360 vs Medicare Protect
Health Shield 360 vs Activ One SAVR
Health Shield 360 vs Active Assure Diamond
Health Shield 360 vs Activ One VIP
Health Shield 360 vs Health Pulse Classic
Health Shield 360 vs Advantage
Health Shield 360 vs Mediclaim Insurance Policy
Health Shield 360 vs Special Care Gold
Health Shield 360 vs Energy Gold Without Copay
Health Shield 360 vs Activ One Max
Health Shield 360 vs Classic
Health Shield 360 vs Activ One Vytl
Health Shield 360 vs Supreme
Health Shield 360 vs Freedom
Health Shield 360 vs Sarvah Pratham
Health Shield 360 vs Joy Today
Health Shield 360 vs Medi Classic
Health Shield 360 vs Activate Booster Plan B
Health Shield 360 vs Aspire Gold+
Health Shield 360 vs Health Gain
Health Shield 360 vs Aspire Platinum+
Health Shield 360 vs Plus Complete
Health Shield 360 vs Reassure 2.0 Platinum+
Health Shield 360 vs Reassure 3.0 Elite
Health Shield 360 vs EquiCover
Health Shield 360 vs Enhance Super Top-up One
Health Shield 360 vs Joy Tomorrow
Health Shield 360 vs Reassure 3.0 Select
Health Shield 360 vs Activ One VIP+
Health Shield 360 vs Red Carpet Senior Citizens
Health Shield 360 vs Super Surplus Gold
Health Shield 360 vs Health SuperCharge
Health Shield 360 vs Medicare Premier
Health Shield 360 vs Family Health Optima
Health Shield 360 vs Health Companion Variant 2022
Health Shield 360 vs Health Companion Variant 3
Health Shield 360 vs Plus Youth
Health Shield 360 vs ProHealth Prime Advantage
Health Shield 360 vs Critical Illness Silver Plan
Health Shield 360 vs Health Premia Gold
Health Shield 360 vs Health Premia Platinum
Health Shield 360 vs Comprehensive
Health Shield 360 vs HeartBeat Enhanced
Health Shield 360 vs Reassure
Health Shield 360 vs Health Recharge Super Top Up Plan
Health Shield 360 vs myHealth Suraksha Platinum
Health Shield 360 vs Supreme Value for Money
Health Shield 360 vs Supreme Enhance Two
Health Shield 360 vs Supreme Senior Super
Health Shield 360 vs Supreme Enhance
Health Shield 360 vs Reassure 2.0 Gold
Health Shield 360 vs Active Fit Preferred
Health Shield 360 vs LifeTime Health
Health Shield 360 vs Medicare
Health Shield 360 vs ProHealth Prime Active
Health Shield 360 vs ProHealth Prime Senior Elite
Health Shield 360 vs Advanced Top Up
Health Shield 360 vs Multiplier Health
Health Shield 360 vs Ultimate (Direct)
Health Shield 360 vs Young Star
Health Shield 360 vs Star Women Care Policy
Health Shield 360 vs Family Plus
Health Shield 360 vs Sarvah Param
Health Shield 360 vs Optima Insurance
Health Shield 360 vs Smart Super Health Assure
Health Shield 360 vs Criti Shield Plus
Health Shield 360 vs Health Care Supreme Ultimo
Health Shield 360 vs Health Shield 360 Retail
Health Shield 360 vs Super Star
Health Shield 360 vs Reassure 3.0 Black
Health Shield 360 vs Health Guard Platinum
Health Shield 360 vs Health Guard Gold
Health Shield 360 vs Elevate (Direct)
Health Shield 360 vs Senior First Platinum
Health Shield 360 vs Extra Care Plus Super Top-up
Health Shield 360 vs Health Care Supreme Smart
Health Shield 360 vs Medi Classic Gold
Health Shield 360 vs Smart Health Pro
Health Shield 360 vs Optima Super Secure
Health Shield 360 vs Special Care
Health Shield 360 vs Optima Secure Global
Health Shield 360 vs Medicare LITE
Health Shield 360 vs NextGen
Health Shield 360 vs SecureHealth
Health Shield 360 vs Energy Silver With Copay
Health Shield 360 vs Supreme (Direct)
Health Shield 360 vs Plus
Health Shield 360 vs Medicare Select
Health Shield 360 vs myHealth Koti Suraksha
Health Shield 360 vs Senior
Health Shield 360 vs myHealth Suraksha Silver
Health Shield 360 vs Cardiac Care Platinum
Health Shield 360 vs Royal Sundaram Lifeline Elite
Health Shield 360 vs HeartBeat Platinum
Health Shield 360 vs Supreme Enhance One
Health Shield 360 vs HeartBeat Gold
Health Shield 360 vs Aspire Titanium+
Health Shield 360 vs iHealth Plus
Health Shield 360 vs Reassure 3.0 Classic
Health Shield 360 vs Senior Health Advantage
Health Shield 360 vs Health Wallet
Health Shield 360 vs Elevate
Health Shield 360 vs Heart
Health Shield 360 vs Reassure 2.0 Titanium+
Health Shield 360 vs Diabetes Safe Plan A
Health Shield 360 vs Reassure 2.0 Bronze+
Health Shield 360 vs Young Star Silver
Health Shield 360 vs Enhance Super Top-up
Health Shield 360 vs Joy
Health Shield 360 vs Supreme Senior Health AdvantEdge
Health Shield 360 vs Supreme Super Saver
Health Shield 360 vs Health Insurance Platinum
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
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 MoreOneassure
Health Insurance
Compare Health Insurance Plans
Health Shield 360 Vs Energy Silver Without Copay
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.