Insurance Plans Comparison
Star Women Care 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 moreWhat Makes It Special:
Star Women Care is a specialized health plan designed for women and their families. It offers coverage from ₹5 lakh to ₹1 crore with benefits like maternity, newborn care, preventive check-ups, OPD consultations, and wellness rewards. The plan also includes coverage for surrogacy, oocyte donation, modern treatments, AYUSH, and organ...
Best For:
Wellness-linked, preventive care insurance
Automatic sum insured restoration
Premium maternity and newborn care
Comprehensive women’s family health protection
(4-5 word description of the type of plan)
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
You prefer no medical check-up before purchase
You enjoy earning wellness points and premium discounts
You need surrogacy and oocyte donor coverage
You want automatic sum insured restoration after a claim
You value OPD consultations and yearly health check-ups
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
 Women Care Health Insurance Plan VS VS |
Energy Silver Without Copay Health Insurance Plan |
| Room Rent |
|---|
Women Care Up to 1% of SI (₹5L); Single AC up to ₹25L; any room above ₹50L |
VS VS |
Energy Silver Without Copay
|
| ICU Charges |
|---|
Women Care No restriction on ICU room rent |
VS VS |
Energy Silver Without Copay Not specified. |
| Advanced Treatments |
|---|
Women Care 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. |
| Disease-wise sublimits |
|---|
Women Care No |
VS VS |
Energy Silver Without Copay Not specified |
| Co-payment |
|---|
Women Care Yes (subject to co-payment of 10% for insured person whose age at the time of entry is 61 years and above) |
VS VS |
Energy Silver Without Copay No copayments. Mentioned in the name of the policy itself. |
| Waiting Period |
|---|
Women Care Information Unavailable |
VS VS |
Energy Silver Without Copay
|
| Cashless Healthcare Providers |
|---|
Women Care 13000+ Healthcare Providers |
VS VS |
Energy Silver Without Copay 16,000 cashless healthcare providers. |
| Restoration Benefit |
|---|
Women Care 100% once after full/partial utilization in a year |
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 |
|---|
Women Care Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
Energy Silver Without Copay Covered under the policy. |
| Cumulative Bonus |
|---|
Women Care 20% each year, up to 100% |
VS VS |
Energy Silver Without Copay Not covered — non-medical expenses are excluded |
| AYUSH Treatment |
|---|
Women Care Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Energy Silver Without Copay Covered under this policy |
| Consumable Cover |
|---|
Women Care Yes |
VS VS |
Energy Silver Without Copay Not covered — non-medical expenses are excluded |
| Initial Waiting Period |
|---|
Women Care 30 days. |
VS VS |
Energy Silver Without Copay Not specified. No waiting period applies to hospitalisation arising out of diabetes or hypertension |
| Specific Waiting Period |
|---|
Women Care 2 years |
VS VS |
Energy Silver Without Copay 24 months for specified diseases including cataract, hernia, joint replacement surgeries and surgery of hydrocele |
| PED Waiting Period |
|---|
Women Care 3 years |
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 |
|---|
Women Care Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
Energy Silver Without Copay Not specified. |
| Annual Health Checkup |
|---|
Women Care Health check-up is available once every policy year, from day 1 of the policy |
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 |
| Pre-Hospitalisation |
|---|
Women Care You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
VS VS |
Energy Silver Without Copay Information Unavailable |
| Post-Hospitalisation |
|---|
Women Care You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it |
VS VS |
Energy Silver Without Copay 60 days |
| Outpatient Department Cover (OPD Expense) |
|---|
Women Care OPD is available |
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 |
|---|
Women Care Not Available |
VS VS |
Energy Silver Without Copay Not specified |
| Coverage Options |
|---|
Women Care Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L,₹1 Cr |
VS VS |
Energy Silver Without Copay Individual only — no family floater option |
| Claim Settlement Ratio |
|---|
Women Care 82.31% |
VS VS |
Energy Silver Without Copay Information Unavailable |
| Maternity Cover |
|---|
Women Care Available |
VS VS |
Energy Silver Without Copay Not covered — pregnancy is excluded |
Insurance Plans Comparison
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Insurance Plans Comparison
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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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