Insurance Plans Comparison
HDFC ERGO Energy Silver Without Copay vs Magma OneHealth Premium
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
What Makes It Special:
Health insurance plan with hospitalisation cover, 405 daycare procedures, cumulative bonus, reload of Sum Insured, pre and post-hospitalisation cover, emergency road ambulance and access to 6,100+ cashless network hospitals.
Best For:
Customers who prefer access to a large cashless hospital network
Customers who want cumulative bonus and reload benefits
Customers looking for multiple Sum Insured options
Families looking for individual or family floater coverage
Individuals looking for hospitalisation-focused health insurance
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.
Magma OneHealth Premium
Buyers should consider the waiting periods, sub-limits, co-payment conditions and exclusions before choosing the plan.
Includes reload of Sum Insured from the first claim, subject to policy terms
Provides cumulative bonus of 10% for every claim-free year, up to 50%
Offers Sum Insured options from ₹2 lakh to ₹10 lakh under the Elite plan
Covers inpatient hospitalisation, daycare, pre and post-hospitalisation expenses
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Energy Silver Without Copay Health Insurance Plan VS VS |
OneHealth Premium Health Insurance Plan |
| Room Rent |
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Energy Silver Without Copay
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VS VS |
OneHealth Premium Up to 1% of Sum Insured or ₹5,000 per Day |
| Advanced Treatments |
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Energy Silver Without Copay Includes modern medical procedures like robotic surgery, organ transplants, and advanced cancer treatments for enhanced healthcare access. |
VS VS |
OneHealth Premium Information Unavailable |
| ICU Charges |
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Energy Silver Without Copay Information Unavailable |
VS VS |
OneHealth Premium Up to 2% of Sum Insured or ₹6,000 per Day |
| Co-payment |
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Energy Silver Without Copay No copayments. Mentioned in the name of the policy itself. |
VS VS |
OneHealth Premium 10% in Applicable Circumstances |
| Disease-wise sublimits |
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Energy Silver Without Copay Information Unavailable |
VS VS |
OneHealth Premium Specific Disease-wise Sublimits Apply |
| Waiting Period |
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Energy Silver Without Copay
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VS VS |
OneHealth Premium Information Unavailable |
| Cashless Healthcare Providers |
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Energy Silver Without Copay 16,000 cashless healthcare providers. |
VS VS |
OneHealth Premium 6,100+ Network Hospitals |
| Restoration Benefit |
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Energy Silver Without Copay Information Unavailable |
VS VS |
OneHealth Premium Reload Available from the First Claim |
| Daycare Treatment |
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Energy Silver Without Copay Covered under the policy. |
VS VS |
OneHealth Premium 405 Daycare Procedures Covered |
| Cumulative Bonus |
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Energy Silver Without Copay Information Unavailable |
VS VS |
OneHealth Premium 10% per Claim-Free Year, Up to 50% |
| AYUSH Treatment |
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Energy Silver Without Copay Covered under this policy |
VS VS |
OneHealth Premium Not Specifically Mentioned in the Brochure |
| Consumable Cover |
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Energy Silver Without Copay Information Unavailable |
VS VS |
OneHealth Premium Available Through Optional Cover |
| Initial Waiting Period |
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Energy Silver Without Copay Information Unavailable |
VS VS |
OneHealth Premium 30 Days |
| Specific Waiting Period |
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Energy Silver Without Copay Information Unavailable |
VS VS |
OneHealth Premium 2 Years for Specified Procedures |
| PED Waiting Period |
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Energy Silver Without Copay Information Unavailable |
VS VS |
OneHealth Premium 3 Years |
| Modern Treatment |
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Energy Silver Without Copay Information Unavailable |
VS VS |
OneHealth Premium Not Specifically Mentioned in the Brochure |
| Annual Health Checkup |
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Energy Silver Without Copay Information Unavailable |
VS VS |
OneHealth Premium Available After 2 Continuous Claim-Free Renewals |
| Pre-Hospitalisation |
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Energy Silver Without Copay Information Unavailable |
VS VS |
OneHealth Premium Covered for Up to 30 Days |
| Post-Hospitalisation |
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Energy Silver Without Copay Information Unavailable |
VS VS |
OneHealth Premium Covered for Up to 45 Days |
| Outpatient Department Cover (OPD Expense) |
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Energy Silver Without Copay Information Unavailable |
VS VS |
OneHealth Premium Not Covered as a Base Benefit |
| Deductible Option |
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Energy Silver Without Copay Information Unavailable |
VS VS |
OneHealth Premium Not Specified in the Brochure |
| Coverage Options |
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Energy Silver Without Copay Information Unavailable |
VS VS |
OneHealth Premium Sum Insured Options from ₹2 Lakh to ₹10 Lakh |
| Claim Settlement Ratio |
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Energy Silver Without Copay Information Unavailable |
VS VS |
OneHealth Premium Not Specified in the Brochure |
| Maternity Cover |
|---|
Energy Silver Without Copay Information Unavailable |
VS VS |
OneHealth Premium Not Covered Except Ectopic Pregnancy |
Insurance Plans Comparison
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Insurance Plans Comparison
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