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Insurance Plans Comparison

HDFC ERGO Energy Silver Without Copay vs ICICI Lombard Complete Health Insurance Health Shield

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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HDFC ERGO

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
ICICI Lombard

Complete Health Insurance Health Shield

Add 10% to the sum insured after every claim-free year, up to 50%, and cover organ-donor expenses up to ₹10 lakh, with domiciliary hospitalisation and air ambulance paid over and above the sum insured.

What Makes It Special:

Health Shield is a variant listed under ICICI Lombard Complete Health Insurance. Its benefits include inpatient hospitalisation, eligible daycare procedures, inpatient AYUSH treatment, pre- and post-hospitalisation expenses, and a reset benefit that can replenish eligible cover after previous claims. The policy also lists a cumulative bonus and wellness services. Coverage...

Best For:

  • Customers who may use the policy's wellness services and preventive health-check-up facilities.

  • Buyers who want eligible daycare and inpatient AYUSH treatment covered.

  • Customers who value a cumulative bonus for claim-free years.

  • Individuals or families comparing different base sum insured options.

  • Buyers looking for hospitalisation cover with a reset benefit for subsequent eligible claims.

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.

  • Verify that the Health Shield variant is still available and that the quoted UIN matches the policy document before purchase.

  • Compare the cataract sub-limit with your expected needs, especially if selecting a lower sum insured.

  • Check the 24-month PED and specified-disease waiting periods against your medical history.

  • Review the reset rules carefully, including the restrictions on using reset cover for the same illness.

  • Confirm the available sum insured and room-rent limit in the policy schedule before choosing the plan.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Energy Silver Without Copay
Energy Silver Without Copay

Health Insurance Plan

Brochure

VS
Complete Health Insurance Health Shield
Complete Health Insurance Health Shield

Health Insurance Plan

Brochure

Room Rent

Energy Silver Without Copay

  1. Normal:  coverage for hospital room rent without any sub-limits

     

  2. ICU: no limits
VS

Complete Health Insurance Health Shield

Normal: Health Shield offers room rent and ICU coverage without sub-limits, ensuring full financial support for hospitalization, including intensive care expenses.

ICU Charges

Energy Silver Without Copay

Not specified.

VS

Complete Health Insurance Health Shield

Covered under eligible inpatient hospitalisation, subject to policy terms.

Advanced Treatments

Energy Silver Without Copay

Includes modern medical procedures like robotic surgery, organ transplants, and advanced cancer treatments for enhanced healthcare access.

VS

Complete Health Insurance Health Shield

Covers advanced treatments, including robotic surgeries, stem cell therapy, immunotherapy, and modern cancer treatments

Disease-wise sublimits

Energy Silver Without Copay

Not specified

VS

Complete Health Insurance Health Shield

Cataract: ₹20,000 per eye per policy year for sum insured up to ₹5 lakh; ₹1 lakh per eye per policy year for sum insured above ₹5 lakh.

Co-payment

Energy Silver Without Copay

No copayments. Mentioned in the name of the policy itself.

VS

Complete Health Insurance Health Shield

10% of copay will be applied to every admissible claim.

Waiting Period

Energy Silver Without Copay

  1.  Initial Waiting Period – 30 days from policy inception, except for accidental injuries.
  2. Pre-Existing Diseases (PED) – Covered after 2 years of continuous policy coverage.
  3. Specified Illnesses & Treatments – A waiting period of 2 years applies to certain listed conditions and procedures.
  4. Maternity Benefits (if applicable) – Typically covered after a 2 to 4-year waiting period, depending on policy terms.
  5. Lifestyle Diseases (Diabetes & Hypertension) – Covered after a specified waiting period as per policy terms.
VS

Complete Health Insurance Health Shield

Information Unavailable

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

Complete Health Insurance Health Shield

Unlimited Reset Benefit is listed; reset does not trigger on the first claim and remains subject to illness, insured-person and other policy conditions.

Cashless Healthcare Providers

Energy Silver Without Copay

 16,000 cashless healthcare providers.

VS

Complete Health Insurance Health Shield

10,896+ hospitals across India.

Cumulative Bonus

Energy Silver Without Copay

Not covered — non-medical expenses are excluded

VS

Complete Health Insurance Health Shield

10% of annual sum insured per claim-free year, up to 50%; accumulated bonus reduces by 10% of annual sum insured following a claim, as specified in the policy.

Daycare Treatment

Energy Silver Without Copay

Covered under the policy. 

VS

Complete Health Insurance Health Shield

Covered under the policy. 

Consumable Cover

Energy Silver Without Copay

Not covered — non-medical expenses are excluded

VS

Complete Health Insurance Health Shield



AYUSH Treatment

Energy Silver Without Copay

Covered under this policy

VS

Complete Health Insurance Health Shield

Covered under this policy

Initial Waiting Period

Energy Silver Without Copay

Not specified. No waiting period applies to hospitalisation arising out of diabetes or hypertension

VS

Complete Health Insurance Health Shield

30 days for illnesses; injury-related hospitalisation is excepted.

Specific Waiting Period

Energy Silver Without Copay

24 months for specified diseases including cataract, hernia, joint replacement surgeries and surgery of hydrocele

VS

Complete Health Insurance Health Shield

24 months for specified illnesses and treatments.

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

Complete Health Insurance Health Shield

24 months for declared and accepted pre-existing diseases.

Modern Treatment

Energy Silver Without Copay

Not specified.

VS

Complete Health Insurance Health Shield

Not verified as a separately defined benefit in the reviewed Health Shield document.

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

Complete Health Insurance Health Shield

Health-check-up coupon each policy year, up to 2 coupons per year for floater policies.

Pre-Hospitalisation

Energy Silver Without Copay

Information Unavailable

VS

Complete Health Insurance Health Shield

Up to 30 days.

Post-Hospitalisation

Energy Silver Without Copay

60 days

VS

Complete Health Insurance Health Shield

Up to 60 days.

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

Complete Health Insurance Health Shield

Wellness points may be redeemable for eligible outpatient expenses; a fixed comprehensive OPD limit was not verified.

Deductible Option

Energy Silver Without Copay

Not specified

VS

Complete Health Insurance Health Shield

Not verified in the reviewed Health Shield document.

Coverage Options

Energy Silver Without Copay

Individual only — no family floater option

VS

Complete Health Insurance Health Shield

Individual or family floater; listed sum insured options from ₹3 lakh to ₹50 lakh.

Claim Settlement Ratio

Energy Silver Without Copay

Information Unavailable

VS

Complete Health Insurance Health Shield

FY 2024-25: 83.65%

Maternity Cover

Energy Silver Without Copay

Not covered — pregnancy is excluded

VS

Complete Health Insurance Health Shield

Excluded under the reviewed policy wording, except for stated policy exceptions such as ectopic pregnancy.

Insurance Plans Comparison

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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

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Senior Citizen Health Plan

Senior Citizen Health Plan

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  • Tailored for seniors healthcare needs

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Family Health Plan

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

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

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Energy Silver Without Copay Vs Complete Health Insurance Health Shield

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