Insurance Plans Comparison
Star Super Star vs HDFC ERGO Energy Silver Without Copay
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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Super Star
Restore up to 100% of the sum insured unlimited times for later hospital stays, lock your entry-age premium until an inpatient, day-care or AYUSH claim or age 55, and stay in any room.
What Makes It Special:
Super Star is a highly customizable health insurance plan with broad hospitalisation coverage, unlimited restoration and flexible optional benefits. The product supports individual, floater and multi-individual structures and includes Freeze Your Age, wellness rewards, premium waiver and optional maternity and newborn covers
Best For:
Buyers who want extensive optional cover choices
Customers looking for any-room eligibility
Customers interested in unlimited restoration
Families wanting flexible floater options
Individuals seeking broad health coverage
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
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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
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
Super Star Health Insurance Plan VS VS |
Energy Silver Without Copay Health Insurance Plan |
| Room Rent |
|---|
Super Star Any Room |
VS VS |
Energy Silver Without Copay
|
| ICU Charges |
|---|
Super Star Covered up to Sum Insured |
VS VS |
Energy Silver Without Copay Information Unavailable |
| Advanced Treatments |
|---|
Super Star Information Unavailable |
VS VS |
Energy Silver Without Copay Includes modern medical procedures like robotic surgery, organ transplants, and advanced cancer treatments for enhanced healthcare access. |
| Co-payment |
|---|
Super Star No mandatory co-payment; voluntary options available |
VS VS |
Energy Silver Without Copay No copayments. Mentioned in the name of the policy itself. |
| Disease-wise sublimits |
|---|
Super Star Applicable treatment-specific limits may apply |
VS VS |
Energy Silver Without Copay Information Unavailable |
| Waiting Period |
|---|
Super Star Information Unavailable |
VS VS |
Energy Silver Without Copay
|
| Cashless Healthcare Providers |
|---|
Super Star Cashless treatment through network hospitals |
VS VS |
Energy Silver Without Copay 16,000 cashless healthcare providers. |
| Restoration Benefit |
|---|
Super Star Automatic restoration up to 100%, unlimited number of times |
VS VS |
Energy Silver Without Copay Information Unavailable |
| Cumulative Bonus |
|---|
Super Star 50% of Sum Insured for each claim-free year, up to 100% |
VS VS |
Energy Silver Without Copay Information Unavailable |
| Daycare Treatment |
|---|
Super Star All daycare procedures covered |
VS VS |
Energy Silver Without Copay Covered under the policy. |
| Consumable Cover |
|---|
Super Star Available subject to selected cover |
VS VS |
Energy Silver Without Copay Information Unavailable |
| AYUSH Treatment |
|---|
Super Star Covered up to Sum Insured |
VS VS |
Energy Silver Without Copay Covered under this policy |
| Initial Waiting Period |
|---|
Super Star 30 Days |
VS VS |
Energy Silver Without Copay Information Unavailable |
| Specific Waiting Period |
|---|
Super Star 24 Months |
VS VS |
Energy Silver Without Copay Information Unavailable |
| PED Waiting Period |
|---|
Super Star 36 Months |
VS VS |
Energy Silver Without Copay Information Unavailable |
| Modern Treatment |
|---|
Super Star Covered up to Sum Insured |
VS VS |
Energy Silver Without Copay Information Unavailable |
| Annual Health Checkup |
|---|
Super Star Available subject to policy terms |
VS VS |
Energy Silver Without Copay Information Unavailable |
| Pre-Hospitalisation |
|---|
Super Star Up to 90 Days |
VS VS |
Energy Silver Without Copay Information Unavailable |
| Post-Hospitalisation |
|---|
Super Star Up to 180 Days |
VS VS |
Energy Silver Without Copay Information Unavailable |
| Outpatient Department Cover (OPD Expense) |
|---|
Super Star Not a standard base OPD benefit |
VS VS |
Energy Silver Without Copay Information Unavailable |
| Deductible Option |
|---|
Super Star Optional aggregate deductible available |
VS VS |
Energy Silver Without Copay Information Unavailable |
| Coverage Options |
|---|
Super Star ₹5 Lakh to ₹1 Crore and Unlimited Sum Insured under the applicable option |
VS VS |
Energy Silver Without Copay Information Unavailable |
| Claim Settlement Ratio |
|---|
Super Star Not specified |
VS VS |
Energy Silver Without Copay Information Unavailable |
| Maternity Cover |
|---|
Super Star Available through optional covers |
VS VS |
Energy Silver Without Copay Information Unavailable |
Insurance Plans Comparison
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Every suggestion is backed by expert analysis of your life stage, goals, and budget
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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
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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.
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