Insurance Plans Comparison
HDFC ERGO Energy Silver Without Copay vs Star Family Health Optima
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
Family Health Optima
Restore the sum insured three times in a policy year, by 100% each time and only for an unrelated illness, and add a loyalty bonus of 10% of the expiring sum insured at renewal, up to 100%.
What Makes It Special:
Family Health Insurance
Best For:
Customers comparing restoration and loyalty bonus benefits.
Families wanting eligible AYUSH treatment and preventive health check-ups.
Customers seeking pre- and post-hospitalisation benefits.
Families looking for hospitalisation and daycare coverage.
Families seeking health insurance under a single floater Sum Insured.
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.
Check the policy limits for specific treatments and benefits.
Review pre- and post-hospitalisation coverage.
Check the restoration and loyalty bonus conditions.
Understand the 24-month specific disease waiting period and 36-month pre-existing disease waiting period.
Review the 30-day initial waiting period.
Check the shared accommodation benefit and applicable limits.
Review the 20% co-payment applicable to insured persons aged 61 and above at entry.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Energy Silver Without Copay Health Insurance Plan VS VS |
![]() Family Health Optima Health Insurance Plan |
| Room Rent |
|---|
Energy Silver Without Copay
|
VS VS |
Family Health Optima
|
| ICU Charges |
|---|
Energy Silver Without Copay Not specified. |
VS VS |
Family Health Optima Covered as part of eligible hospitalisation expenses, 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 VS |
Family Health Optima Information Unavailable |
| Disease-wise sublimits |
|---|
Energy Silver Without Copay Not specified |
VS VS |
Family Health Optima Sublimits apply to specified benefits and treatments, subject to policy terms. |
| Co-payment |
|---|
Energy Silver Without Copay No copayments. Mentioned in the name of the policy itself. |
VS VS |
Family Health Optima 20% of each claim for insured persons whose age at entry is 61 years or above. |
| Waiting Period |
|---|
Energy Silver Without Copay
|
VS VS |
Family Health Optima 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 VS |
Family Health Optima 100% of the Sum Insured is restored up to three times in a policy year, subject to policy conditions. |
| Cashless Healthcare Providers |
|---|
Energy Silver Without Copay 16,000 cashless healthcare providers. |
VS VS |
Family Health Optima Cashless treatment is available at eligible network hospitals, subject to authorisation and policy conditions. |
| Cumulative Bonus |
|---|
Energy Silver Without Copay Not covered — non-medical expenses are excluded |
VS VS |
Family Health Optima Loyalty Bonus is available for eligible Sum Insured options, subject to renewal conditions and policy limits. |
| Daycare Treatment |
|---|
Energy Silver Without Copay Covered under the policy. |
VS VS |
Family Health Optima Eligible daycare procedures are covered, subject to policy terms. |
| Consumable Cover |
|---|
Energy Silver Without Copay Not covered — non-medical expenses are excluded |
VS VS |
Family Health Optima Not specified. |
| AYUSH Treatment |
|---|
Energy Silver Without Copay Covered under this policy |
VS VS |
Family Health Optima Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered up to the Sum Insured, subject to policy terms. |
| Initial Waiting Period |
|---|
Energy Silver Without Copay Not specified. No waiting period applies to hospitalisation arising out of diabetes or hypertension |
VS VS |
Family Health Optima
|
| Specific Waiting Period |
|---|
Energy Silver Without Copay 24 months for specified diseases including cataract, hernia, joint replacement surgeries and surgery of hydrocele |
VS VS |
Family Health Optima 24 months for specified diseases and procedures. |
| 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 VS |
Family Health Optima 36 months for pre-existing diseases. |
| Modern Treatment |
|---|
Energy Silver Without Copay Not specified. |
VS VS |
Family Health Optima
|
| 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 VS |
Family Health Optima Preventive health check-up at network providers, according to the applicable Sum Insured and package. |
| Pre-Hospitalisation |
|---|
Energy Silver Without Copay Information Unavailable |
VS VS |
Family Health Optima Covered for up to 60 days before hospital admission. |
| Post-Hospitalisation |
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Energy Silver Without Copay 60 days |
VS VS |
Family Health Optima Covered for up to 90 days after discharge. |
| 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 VS |
Family Health Optima Not specified. |
| Deductible Option |
|---|
Energy Silver Without Copay Not specified |
VS VS |
Family Health Optima Not specified. |
| Coverage Options |
|---|
Energy Silver Without Copay Individual only — no family floater option |
VS VS |
Family Health Optima Family Floater. |
| Claim Settlement Ratio |
|---|
Energy Silver Without Copay Information Unavailable |
VS VS |
Family Health Optima Insurer-level metric, not a policy benefit. |
| Maternity Cover |
|---|
Energy Silver Without Copay Not covered — pregnancy is excluded |
VS VS |
Family Health Optima Not specified. |
Insurance Plans Comparison
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