Partner with us

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 more
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
Magma

OneHealth Premium

Comprehensive Health Insurance with Hospitalisation, Daycare and Reload Benefits

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
Energy Silver Without Copay

Health Insurance Plan

Brochure

VS
OneHealth Premium
OneHealth Premium

Health Insurance Plan

Room Rent

Energy Silver Without Copay

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

     

  2. ICU: no limits
VS

OneHealth Premium

Up to 1% of Sum Insured or ₹5,000 per Day

Advanced Treatments

Energy Silver Without Copay

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

VS

OneHealth Premium

Information Unavailable

ICU Charges

Energy Silver Without Copay

Information Unavailable

VS

OneHealth Premium

Up to 2% of Sum Insured or ₹6,000 per Day

Co-payment

Energy Silver Without Copay

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

VS

OneHealth Premium

10% in Applicable Circumstances

Disease-wise sublimits

Energy Silver Without Copay

Information Unavailable

VS

OneHealth Premium

Specific Disease-wise Sublimits Apply

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

OneHealth Premium

Information Unavailable

Cashless Healthcare Providers

Energy Silver Without Copay

 16,000 cashless healthcare providers.

VS

OneHealth Premium

6,100+ Network Hospitals

Restoration Benefit

Energy Silver Without Copay

Information Unavailable

VS

OneHealth Premium

Reload Available from the First Claim

Daycare Treatment

Energy Silver Without Copay

Covered under the policy. 

VS

OneHealth Premium

405 Daycare Procedures Covered

Cumulative Bonus

Energy Silver Without Copay

Information Unavailable

VS

OneHealth Premium

10% per Claim-Free Year, Up to 50%

AYUSH Treatment

Energy Silver Without Copay

Covered under this policy

VS

OneHealth Premium

Not Specifically Mentioned in the Brochure

Consumable Cover

Energy Silver Without Copay

Information Unavailable

VS

OneHealth Premium

Available Through Optional Cover

Initial Waiting Period

Energy Silver Without Copay

Information Unavailable

VS

OneHealth Premium

30 Days

Specific Waiting Period

Energy Silver Without Copay

Information Unavailable

VS

OneHealth Premium

2 Years for Specified Procedures

PED Waiting Period

Energy Silver Without Copay

Information Unavailable

VS

OneHealth Premium

3 Years

Modern Treatment

Energy Silver Without Copay

Information Unavailable

VS

OneHealth Premium

Not Specifically Mentioned in the Brochure

Annual Health Checkup

Energy Silver Without Copay

Information Unavailable

VS

OneHealth Premium

Available After 2 Continuous Claim-Free Renewals

Pre-Hospitalisation

Energy Silver Without Copay

Information Unavailable

VS

OneHealth Premium

Covered for Up to 30 Days

Post-Hospitalisation

Energy Silver Without Copay

Information Unavailable

VS

OneHealth Premium

Covered for Up to 45 Days

Outpatient Department Cover (OPD Expense)

Energy Silver Without Copay

Information Unavailable

VS

OneHealth Premium

Not Covered as a Base Benefit

Deductible Option

Energy Silver Without Copay

Information Unavailable

VS

OneHealth Premium

Not Specified in the Brochure

Coverage Options

Energy Silver Without Copay

Information Unavailable

VS

OneHealth Premium

Sum Insured Options from ₹2 Lakh to ₹10 Lakh

Claim Settlement Ratio

Energy Silver Without Copay

Information Unavailable

VS

OneHealth Premium

Not Specified in the Brochure

Maternity Cover

Energy Silver Without Copay

Information Unavailable

VS

OneHealth Premium

Not Covered Except Ectopic Pregnancy

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

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

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

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

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

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

Compare With Other Health Insurance Plans

Oneassure

Health Insurance

Compare Health Insurance Plans

Energy Silver Without Copay Vs Onehealth Premium

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.