Insurance Plans Comparison
Royal Sundaram Family Plus 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
Family Plus
Give each member an individual sum insured plus a shared floater, with no room rent cap, a one-time reload for a different illness after both are used up, and maternity cover of up to ₹50,000 a delivery.
What Makes It Special:
Family Plus 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
Family Plus Health Insurance Plan VS VS |
Energy Silver Without Copay Health Insurance Plan |
| Room Rent |
|---|
Family Plus Normal: No Room Rent Capping ICU: Covered up to Sum Insured |
VS VS |
Energy Silver Without Copay
|
| Advanced Treatments |
|---|
Family Plus Not mentioned |
VS VS |
Energy Silver Without Copay Includes modern medical procedures like robotic surgery, organ transplants, and advanced cancer treatments for enhanced healthcare access. |
| ICU Charges |
|---|
Family Plus Information Unavailable |
VS VS |
Energy Silver Without Copay Not specified. |
| Co-payment |
|---|
Family Plus Not mentioned |
VS VS |
Energy Silver Without Copay No copayments. Mentioned in the name of the policy itself. |
| Disease-wise sublimits |
|---|
Family Plus Information Unavailable |
VS VS |
Energy Silver Without Copay Not specified |
| Waiting Period |
|---|
Family Plus Initial Waiting Period: 30 Days Pre-existing Disease Waiting Period: 36 Months Specific Disease/Procedure Waiting Period: 24 Months (16 specified diseases/conditions) Maternity Waiting Period: 24 Months |
VS VS |
Energy Silver Without Copay
|
| Cashless Healthcare Providers |
|---|
Family Plus 7,000+ Network Hospitals |
VS VS |
Energy Silver Without Copay 16,000 cashless healthcare providers. |
| Restoration Benefit |
|---|
Family Plus Information Unavailable |
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 |
| Daycare Treatment |
|---|
Family Plus Covered up to Sum Insured |
VS VS |
Energy Silver Without Copay Covered under the policy. |
| Cumulative Bonus |
|---|
Family Plus Information Unavailable |
VS VS |
Energy Silver Without Copay Not covered — non-medical expenses are excluded |
| AYUSH Treatment |
|---|
Family Plus Covered |
VS VS |
Energy Silver Without Copay Covered under this policy |
| Consumable Cover |
|---|
Family Plus Information Unavailable |
VS VS |
Energy Silver Without Copay Not covered — non-medical expenses are excluded |
| Initial Waiting Period |
|---|
Family Plus Information Unavailable |
VS VS |
Energy Silver Without Copay Not specified. No waiting period applies to hospitalisation arising out of diabetes or hypertension |
| Specific Waiting Period |
|---|
Family Plus Information Unavailable |
VS VS |
Energy Silver Without Copay 24 months for specified diseases including cataract, hernia, joint replacement surgeries and surgery of hydrocele |
| PED Waiting Period |
|---|
Family Plus Information Unavailable |
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 |
|---|
Family Plus Information Unavailable |
VS VS |
Energy Silver Without Copay Not specified. |
| Annual Health Checkup |
|---|
Family Plus Information Unavailable |
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 |
| Post-Hospitalisation |
|---|
Family Plus Information Unavailable |
VS VS |
Energy Silver Without Copay 60 days |
| Outpatient Department Cover (OPD Expense) |
|---|
Family Plus Information Unavailable |
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 |
|---|
Family Plus Information Unavailable |
VS VS |
Energy Silver Without Copay Not specified |
| Coverage Options |
|---|
Family Plus Information Unavailable |
VS VS |
Energy Silver Without Copay Individual only — no family floater option |
| Maternity Cover |
|---|
Family Plus Information Unavailable |
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?
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
Family Plus vs Supreme Senior Premium
Family Plus vs Energy Silver Without Copay
Family Plus vs Ultimate
Family Plus vs EquiCover
Family Plus vs Optima Secure
Family Plus vs Super Mediclaim
Family Plus vs Critical Illness Platinum Plan
Family Plus vs Health Recharge
Family Plus vs Optima Secure Plus
Family Plus vs Cancer Cover Activ Cancer Secure Plan
Family Plus vs Optima Secure Global Plus
Family Plus vs LifeTime Health Global
Family Plus vs Women Care
Family Plus vs Aspire Diamond+
Family Plus vs Activate Booster Plan A
Family Plus vs myHealth Medisure Super Top-up
Family Plus vs Health Super Saver Standard
Family Plus vs Active Care Premier
Family Plus vs ProHealth Accumulate
Family Plus vs Supreme Shine
Family Plus vs Health Cardiac Care Silver & Gold Plan
Family Plus vs myHealth Suraksha Gold
Family Plus vs Elder Care
Family Plus vs Young Star Gold
Family Plus vs Assure
Family Plus vs Active Fit Plus
Family Plus vs Cancer Care Platinum
Family Plus vs OneHealth Premium
Family Plus vs Optima Lite
Family Plus vs ProHealth Prime Protect
Family Plus vs Medicare Plus
Family Plus vs Activ Health Platinum Essential
Family Plus vs Medicare Senior
Family Plus vs Enhance Super Top-up Two
Family Plus vs Reassure 3.0
Family Plus vs Medicare Protect
Family Plus vs Activ One SAVR
Family Plus vs Active Assure Diamond
Family Plus vs Activ One VIP
Family Plus vs Health Pulse Classic
Family Plus vs Advantage
Family Plus vs Mediclaim Insurance Policy
Family Plus vs Special Care Gold
Family Plus vs Energy Gold Without Copay
Family Plus vs Activ One Max
Family Plus vs Classic
Family Plus vs Activ One Vytl
Family Plus vs Supreme
Family Plus vs Freedom
Family Plus vs Sarvah Pratham
Family Plus vs Joy Today
Family Plus vs Medi Classic
Family Plus vs Activate Booster Plan B
Family Plus vs Aspire Gold+
Family Plus vs Health Gain
Family Plus vs Aspire Platinum+
Family Plus vs Plus Complete
Family Plus vs Reassure 2.0 Platinum+
Family Plus vs Reassure 3.0 Elite
Family Plus vs Enhance Super Top-up One
Family Plus vs Joy Tomorrow
Family Plus vs Reassure 3.0 Select
Family Plus vs Activ One VIP+
Family Plus vs Red Carpet Senior Citizens
Family Plus vs Super Surplus Gold
Family Plus vs Health SuperCharge
Family Plus vs Medicare Premier
Family Plus vs Family Health Optima
Family Plus vs Health Companion Variant 2022
Family Plus vs Health Companion Variant 3
Family Plus vs Plus Youth
Family Plus vs ProHealth Prime Advantage
Family Plus vs Critical Illness Silver Plan
Family Plus vs Health Premia Gold
Family Plus vs Health Premia Platinum
Family Plus vs Comprehensive
Family Plus vs HeartBeat Enhanced
Family Plus vs Reassure
Family Plus vs Health Recharge Super Top Up Plan
Family Plus vs myHealth Suraksha Platinum
Family Plus vs Supreme Value for Money
Family Plus vs Supreme Enhance Two
Family Plus vs Supreme Senior Super
Family Plus vs Supreme Enhance
Family Plus vs Reassure 2.0 Gold
Family Plus vs Active Fit Preferred
Family Plus vs LifeTime Health
Family Plus vs Medicare
Family Plus vs ProHealth Prime Active
Family Plus vs ProHealth Prime Senior Elite
Family Plus vs Advanced Top Up
Family Plus vs Multiplier Health
Family Plus vs Ultimate (Direct)
Family Plus vs Young Star
Family Plus vs Star Women Care Policy
Family Plus vs Sarvah Param
Family Plus vs Optima Insurance
Family Plus vs Smart Super Health Assure
Family Plus vs Criti Shield Plus
Family Plus vs Health Care Supreme Ultimo
Family Plus vs Health Shield 360 Retail
Family Plus vs Super Star
Family Plus vs Reassure 3.0 Black
Family Plus vs Health Guard Platinum
Family Plus vs Health Guard Gold
Family Plus vs Elevate (Direct)
Family Plus vs Senior First Platinum
Family Plus vs Extra Care Plus Super Top-up
Family Plus vs Health Care Supreme Smart
Family Plus vs Medi Classic Gold
Family Plus vs Smart Health Pro
Family Plus vs Optima Super Secure
Family Plus vs Special Care
Family Plus vs Optima Secure Global
Family Plus vs Medicare LITE
Family Plus vs Health Shield 360
Family Plus vs NextGen
Family Plus vs SecureHealth
Family Plus vs Energy Silver With Copay
Family Plus vs Supreme (Direct)
Family Plus vs Plus
Family Plus vs Medicare Select
Family Plus vs myHealth Koti Suraksha
Family Plus vs Senior
Family Plus vs myHealth Suraksha Silver
Family Plus vs Cardiac Care Platinum
Family Plus vs Royal Sundaram Lifeline Elite
Family Plus vs HeartBeat Platinum
Family Plus vs Supreme Enhance One
Family Plus vs HeartBeat Gold
Family Plus vs Aspire Titanium+
Family Plus vs iHealth Plus
Family Plus vs Reassure 3.0 Classic
Family Plus vs Senior Health Advantage
Family Plus vs Health Wallet
Family Plus vs Elevate
Family Plus vs Heart
Family Plus vs Reassure 2.0 Titanium+
Family Plus vs Diabetes Safe Plan A
Family Plus vs Reassure 2.0 Bronze+
Family Plus vs Young Star Silver
Family Plus vs Enhance Super Top-up
Family Plus vs Joy
Family Plus vs Supreme Senior Health AdvantEdge
Family Plus vs Supreme Super Saver
Family Plus vs Health Insurance Platinum
Energy Silver Without Copay vs Supreme Senior Premium
Energy Silver Without Copay vs Ultimate
Energy Silver Without Copay vs EquiCover
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 myHealth Medisure Super Top-up
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 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 More
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.