Insurance Plans Comparison
HDFC ERGO EquiCover vs HDFC ERGO Critical Illness Silver Plan
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read more
EquiCover
Get inpatient hospitalisation for a certified disability or for people living with HIV/AIDS, excluding anti-retroviral treatment, plus AYUSH care up to the sum insured and a 20% co-pay on every claim.
What Makes It Special:
EquiCover 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
Critical Illness Silver Plan
Affordable lump-sum cover for 8 major critical illnesses
What Makes It Special:
The Silver Plan pays the sum insured as a single lump sum on first diagnosis of any one of 8 listed critical illnesses after the chosen survival period of 15 or 30 days, and at every age band and sum insured its premium is lower than the Platinum Plan's, which...
Best For:
Buyers topping up an existing critical illness benefit from an employer or a life insurer with additional standalone cover
Younger applicants looking to start critical illness cover early, since entry is permitted from 5 years of age
Buyers who already hold a hospitalisation policy and want a separate lump sum for income loss and non-medical costs
Buyers whose main concern is the four most common critical illness categories — heart, cancer, stroke and kidney failure
Buyers who want critical illness cover at the lowest premium within this product and accept a shorter list of covered conditions
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
Set the sum insured against the income and costs you would need to replace during treatment rather than against expected hospital bills, because the payout is a fixed benefit and not a reimbursement.
Pre-existing conditions carry a 48-month waiting period, so if you have a declared condition, weigh whether the Silver Plan's lower premium still meets your need over that delay.
The benefit is payable once, so treat this as a supplement to a hospitalisation policy and not a substitute for one.
The plan pays only on first diagnosis of a listed condition as defined in the policy, so read the severity thresholds on heart attack, cancer and stroke before assuming a diagnosis will qualify.
Compare the 8-illness list against the Platinum Plan's 15 before choosing, since the Silver Plan excludes Parkinson's disease, Alzheimer's disease, benign brain tumour, end-stage liver failure, surgery of aorta, primary pulmonary hypertension and heart valve replacement or repair.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
EquiCover Health Insurance Plan VS VS |
Critical Illness Silver Plan Health Insurance Plan |
| Room Rent |
|---|
EquiCover Normal: Up to 1% of Sum Insured per day ICU: Up to 2% of Sum Insured per day |
VS VS |
Critical Illness Silver Plan Not applicable. |
| Advanced Treatments |
|---|
EquiCover Uterine Artery Embolization (UAE) HIFU (High Intensity Focused Ultrasound) Balloon Sinuplasty Deep Brain Stimulation Oral Chemotherapy Immunotherapy (Monoclonal Antibody Injection) Intra Vitreal Injections Robotic Surgeries Stereotactic Radio Surgeries Bronchial Thermoplasty Vaporisation of Prostate IONM (Intra Operative Neuro Monitoring) Hematopoietic Stem Cell Therapy for Bone Marrow Transplant |
VS VS |
Critical Illness Silver Plan Information Unavailable |
| ICU Charges |
|---|
EquiCover Information Unavailable |
VS VS |
Critical Illness Silver Plan Not applicable — hospitalisation expenses are not indemnified under this policy |
| Co-payment |
|---|
EquiCover 20% Co-payment on every admissible claim |
VS VS |
Critical Illness Silver Plan Not applicable |
| Disease-wise sublimits |
|---|
EquiCover Information Unavailable |
VS VS |
Critical Illness Silver Plan Not applicable. |
| Waiting Period |
|---|
EquiCover Initial Waiting Period: 30 Days Pre-existing Disease Waiting Period:
Specific Disease/Procedure Waiting Period: 24 Months |
VS VS |
Critical Illness Silver Plan Information Unavailable |
| Cashless Healthcare Providers |
|---|
EquiCover Cashless treatment available through network providers |
VS VS |
Critical Illness Silver Plan 16,000 cashless healthcare providers (insurer-level, as of August 2025). Cashless hospitalisation is not the mechanism of this policy, which pays a lump sum on diagnosis |
| Restoration Benefit |
|---|
EquiCover Information Unavailable |
VS VS |
Critical Illness Silver Plan Not applicable — the benefit is payable once, on first diagnosis |
| Daycare Treatment |
|---|
EquiCover Covered |
VS VS |
Critical Illness Silver Plan Not applicable |
| Cumulative Bonus |
|---|
EquiCover Information Unavailable |
VS VS |
Critical Illness Silver Plan Not specified |
| AYUSH Treatment |
|---|
EquiCover Covered up to 100% of Sum Insured |
VS VS |
Critical Illness Silver Plan Not applicable |
| Consumable Cover |
|---|
EquiCover Information Unavailable |
VS VS |
Critical Illness Silver Plan Not applicable. |
| Initial Waiting Period |
|---|
EquiCover Information Unavailable |
VS VS |
Critical Illness Silver Plan 90 days |
| Specific Waiting Period |
|---|
EquiCover Information Unavailable |
VS VS |
Critical Illness Silver Plan Not specified. |
| PED Waiting Period |
|---|
EquiCover Information Unavailable |
VS VS |
Critical Illness Silver Plan 48 months for all pre-existing conditions declared and/or accepted at application |
| Modern Treatment |
|---|
EquiCover Information Unavailable |
VS VS |
Critical Illness Silver Plan Not applicable — this is a fixed-benefit policy paying a lump sum, not an indemnity cover for treatment costs |
| Annual Health Checkup |
|---|
EquiCover Information Unavailable |
VS VS |
Critical Illness Silver Plan Not specified. A pre-policy medical check may be required based on age and sum insured; 50% of standard medical test charges is reimbursed if conducted at an empanelled diagnostic centre, subject to acceptance of the proposal and policy issuance |
| Pre-Hospitalisation |
|---|
EquiCover Information Unavailable |
VS VS |
Critical Illness Silver Plan Not applicable |
| Post-Hospitalisation |
|---|
EquiCover Information Unavailable |
VS VS |
Critical Illness Silver Plan Not applicable |
| Outpatient Department Cover (OPD Expense) |
|---|
EquiCover Information Unavailable |
VS VS |
Critical Illness Silver Plan Not applicable |
| Deductible Option |
|---|
EquiCover Information Unavailable |
VS VS |
Critical Illness Silver Plan Not applicable |
| Coverage Options |
|---|
EquiCover Information Unavailable |
VS VS |
Critical Illness Silver Plan Not specified — cover is written per insured person; no individual/floater structure is stated |
| Claim Settlement Ratio |
|---|
EquiCover Information Unavailable |
VS VS |
Critical Illness Silver Plan 97% approximately |
| Maternity Cover |
|---|
EquiCover Information Unavailable |
VS VS |
Critical Illness Silver Plan Not covered. |
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
EquiCover vs Supreme Senior Premium
EquiCover vs Ultimate
EquiCover vs Optima Secure
EquiCover vs Super Mediclaim
EquiCover vs Critical Illness Platinum Plan
EquiCover vs Health Recharge
EquiCover vs Optima Secure Plus
EquiCover vs Cancer Cover Activ Cancer Secure Plan
EquiCover vs Optima Secure Global Plus
EquiCover vs LifeTime Health Global
EquiCover vs Women Care
EquiCover vs Aspire Diamond+
EquiCover vs Activate Booster Plan A
EquiCover vs Health Super Saver Standard
EquiCover vs Active Care Premier
EquiCover vs ProHealth Accumulate
EquiCover vs Supreme Shine
EquiCover vs Health Cardiac Care Silver & Gold Plan
EquiCover vs myHealth Suraksha Gold
EquiCover vs Elder Care
EquiCover vs Young Star Gold
EquiCover vs Assure
EquiCover vs Active Fit Plus
EquiCover vs Cancer Care Platinum
EquiCover vs OneHealth Premium
EquiCover vs Optima Lite
EquiCover vs ProHealth Prime Protect
EquiCover vs Medicare Plus
EquiCover vs Activ Health Platinum Essential
EquiCover vs Medicare Senior
EquiCover vs Enhance Super Top-up Two
EquiCover vs Reassure 3.0
EquiCover vs Medicare Protect
EquiCover vs Activ One SAVR
EquiCover vs Active Assure Diamond
EquiCover vs Activ One VIP
EquiCover vs Health Pulse Classic
EquiCover vs Advantage
EquiCover vs Mediclaim Insurance Policy
EquiCover vs Special Care Gold
EquiCover vs Activ One Max
EquiCover vs Classic
EquiCover vs Activ One Vytl
EquiCover vs Supreme
EquiCover vs Freedom
EquiCover vs Sarvah Pratham
EquiCover vs Joy Today
EquiCover vs Medi Classic
EquiCover vs Activate Booster Plan B
EquiCover vs Aspire Gold+
EquiCover vs Health Gain
EquiCover vs Aspire Platinum+
EquiCover vs Plus Complete
EquiCover vs Reassure 2.0 Platinum+
EquiCover vs Reassure 3.0 Elite
EquiCover vs Enhance Super Top-up One
EquiCover vs Joy Tomorrow
EquiCover vs Reassure 3.0 Select
EquiCover vs Activ One VIP+
EquiCover vs Red Carpet Senior Citizens
EquiCover vs Super Surplus Gold
EquiCover vs Health SuperCharge
EquiCover vs Medicare Premier
EquiCover vs Family Health Optima
EquiCover vs Health Companion Variant 2022
EquiCover vs Health Companion Variant 3
EquiCover vs Plus Youth
EquiCover vs ProHealth Prime Advantage
EquiCover vs Critical Illness Silver Plan
EquiCover vs Health Premia Gold
EquiCover vs Health Premia Platinum
EquiCover vs Comprehensive
EquiCover vs HeartBeat Enhanced
EquiCover vs Reassure
EquiCover vs Health Recharge Super Top Up Plan
EquiCover vs myHealth Suraksha Platinum
EquiCover vs Supreme Value for Money
EquiCover vs Supreme Enhance Two
EquiCover vs Supreme Senior Super
EquiCover vs Supreme Enhance
EquiCover vs Reassure 2.0 Gold
EquiCover vs Active Fit Preferred
EquiCover vs LifeTime Health
EquiCover vs Medicare
EquiCover vs ProHealth Prime Active
EquiCover vs ProHealth Prime Senior Elite
EquiCover vs Advanced Top Up
EquiCover vs Multiplier Health
EquiCover vs Ultimate (Direct)
EquiCover vs Young Star
EquiCover vs Star Women Care Policy
EquiCover vs Family Plus
EquiCover vs Sarvah Param
EquiCover vs Optima Insurance
EquiCover vs Smart Super Health Assure
EquiCover vs Criti Shield Plus
EquiCover vs Health Care Supreme Ultimo
EquiCover vs Health Shield 360 Retail
EquiCover vs Super Star
EquiCover vs Reassure 3.0 Black
EquiCover vs Health Guard Platinum
EquiCover vs Health Guard Gold
EquiCover vs Elevate (Direct)
EquiCover vs Senior First Platinum
EquiCover vs Extra Care Plus Super Top-up
EquiCover vs Health Care Supreme Smart
EquiCover vs Medi Classic Gold
EquiCover vs Smart Health Pro
EquiCover vs Optima Super Secure
EquiCover vs Special Care
EquiCover vs Optima Secure Global
EquiCover vs Medicare LITE
EquiCover vs Health Shield 360
EquiCover vs NextGen
EquiCover vs SecureHealth
EquiCover vs Energy Silver With Copay
EquiCover vs Supreme (Direct)
EquiCover vs Plus
EquiCover vs Medicare Select
EquiCover vs myHealth Koti Suraksha
EquiCover vs Senior
EquiCover vs myHealth Suraksha Silver
EquiCover vs Cardiac Care Platinum
EquiCover vs Royal Sundaram Lifeline Elite
EquiCover vs HeartBeat Platinum
EquiCover vs Supreme Enhance One
EquiCover vs HeartBeat Gold
EquiCover vs Aspire Titanium+
EquiCover vs iHealth Plus
EquiCover vs Reassure 3.0 Classic
EquiCover vs Senior Health Advantage
EquiCover vs Health Wallet
EquiCover vs Elevate
EquiCover vs Heart
EquiCover vs Reassure 2.0 Titanium+
EquiCover vs Diabetes Safe Plan A
EquiCover vs Reassure 2.0 Bronze+
EquiCover vs Young Star Silver
EquiCover vs Enhance Super Top-up
EquiCover vs Joy
EquiCover vs Supreme Senior Health AdvantEdge
EquiCover vs Supreme Super Saver
EquiCover vs Health Insurance Platinum
Critical Illness Silver Plan vs Supreme Senior Premium
Critical Illness Silver Plan vs Ultimate
Critical Illness Silver Plan vs Optima Secure
Critical Illness Silver Plan vs Super Mediclaim
Critical Illness Silver Plan vs Critical Illness Platinum Plan
Critical Illness Silver Plan vs Health Recharge
Critical Illness Silver Plan vs Optima Secure Plus
Critical Illness Silver Plan vs Cancer Cover Activ Cancer Secure Plan
Critical Illness Silver Plan vs Optima Secure Global Plus
Critical Illness Silver Plan vs LifeTime Health Global
Critical Illness Silver Plan vs Women Care
Critical Illness Silver Plan vs Aspire Diamond+
Critical Illness Silver Plan vs Activate Booster Plan A
Critical Illness Silver Plan vs Health Super Saver Standard
Critical Illness Silver Plan vs Active Care Premier
Critical Illness Silver Plan vs ProHealth Accumulate
Critical Illness Silver Plan vs Supreme Shine
Critical Illness Silver Plan vs Health Cardiac Care Silver & Gold Plan
Critical Illness Silver Plan vs myHealth Suraksha Gold
Critical Illness Silver Plan vs Elder Care
Critical Illness Silver Plan vs Young Star Gold
Critical Illness Silver Plan vs Assure
Critical Illness Silver Plan vs Active Fit Plus
Critical Illness Silver Plan vs Cancer Care Platinum
Critical Illness Silver Plan vs OneHealth Premium
Critical Illness Silver Plan vs Optima Lite
Critical Illness Silver Plan vs ProHealth Prime Protect
Critical Illness Silver Plan vs Medicare Plus
Critical Illness Silver Plan vs Activ Health Platinum Essential
Critical Illness Silver Plan vs Medicare Senior
Critical Illness Silver Plan vs Enhance Super Top-up Two
Critical Illness Silver Plan vs Reassure 3.0
Critical Illness Silver Plan vs Medicare Protect
Critical Illness Silver Plan vs Activ One SAVR
Critical Illness Silver Plan vs Active Assure Diamond
Critical Illness Silver Plan vs Activ One VIP
Critical Illness Silver Plan vs Health Pulse Classic
Critical Illness Silver Plan vs Advantage
Critical Illness Silver Plan vs Mediclaim Insurance Policy
Critical Illness Silver Plan vs Special Care Gold
Critical Illness Silver Plan vs Activ One Max
Critical Illness Silver Plan vs Classic
Critical Illness Silver Plan vs Activ One Vytl
Critical Illness Silver Plan vs Supreme
Critical Illness Silver Plan vs Freedom
Critical Illness Silver Plan vs Sarvah Pratham
Critical Illness Silver Plan vs Joy Today
Critical Illness Silver Plan vs Medi Classic
Critical Illness Silver Plan vs Activate Booster Plan B
Critical Illness Silver Plan vs Aspire Gold+
Critical Illness Silver Plan vs Health Gain
Critical Illness Silver Plan vs Aspire Platinum+
Critical Illness Silver Plan vs Plus Complete
Critical Illness Silver Plan vs Reassure 2.0 Platinum+
Critical Illness Silver Plan vs Reassure 3.0 Elite
Critical Illness Silver Plan vs EquiCover
Critical Illness Silver Plan vs Enhance Super Top-up One
Critical Illness Silver Plan vs Joy Tomorrow
Critical Illness Silver Plan vs Reassure 3.0 Select
Critical Illness Silver Plan vs Activ One VIP+
Critical Illness Silver Plan vs Red Carpet Senior Citizens
Critical Illness Silver Plan vs Super Surplus Gold
Critical Illness Silver Plan vs Health SuperCharge
Critical Illness Silver Plan vs Medicare Premier
Critical Illness Silver Plan vs Family Health Optima
Critical Illness Silver Plan vs Health Companion Variant 2022
Critical Illness Silver Plan vs Health Companion Variant 3
Critical Illness Silver Plan vs Plus Youth
Critical Illness Silver Plan vs ProHealth Prime Advantage
Critical Illness Silver Plan vs Health Premia Gold
Critical Illness Silver Plan vs Health Premia Platinum
Critical Illness Silver Plan vs Comprehensive
Critical Illness Silver Plan vs HeartBeat Enhanced
Critical Illness Silver Plan vs Reassure
Critical Illness Silver Plan vs Health Recharge Super Top Up Plan
Critical Illness Silver Plan vs myHealth Suraksha Platinum
Critical Illness Silver Plan vs Supreme Value for Money
Critical Illness Silver Plan vs Supreme Enhance Two
Critical Illness Silver Plan vs Supreme Senior Super
Critical Illness Silver Plan vs Supreme Enhance
Critical Illness Silver Plan vs Reassure 2.0 Gold
Critical Illness Silver Plan vs Active Fit Preferred
Critical Illness Silver Plan vs LifeTime Health
Critical Illness Silver Plan vs Medicare
Critical Illness Silver Plan vs ProHealth Prime Active
Critical Illness Silver Plan vs ProHealth Prime Senior Elite
Critical Illness Silver Plan vs Advanced Top Up
Critical Illness Silver Plan vs Multiplier Health
Critical Illness Silver Plan vs Ultimate (Direct)
Critical Illness Silver Plan vs Young Star
Critical Illness Silver Plan vs Star Women Care Policy
Critical Illness Silver Plan vs Family Plus
Critical Illness Silver Plan vs Sarvah Param
Critical Illness Silver Plan vs Optima Insurance
Critical Illness Silver Plan vs Smart Super Health Assure
Critical Illness Silver Plan vs Criti Shield Plus
Critical Illness Silver Plan vs Health Care Supreme Ultimo
Critical Illness Silver Plan vs Health Shield 360 Retail
Critical Illness Silver Plan vs Super Star
Critical Illness Silver Plan vs Reassure 3.0 Black
Critical Illness Silver Plan vs Health Guard Platinum
Critical Illness Silver Plan vs Health Guard Gold
Critical Illness Silver Plan vs Elevate (Direct)
Critical Illness Silver Plan vs Senior First Platinum
Critical Illness Silver Plan vs Extra Care Plus Super Top-up
Critical Illness Silver Plan vs Health Care Supreme Smart
Critical Illness Silver Plan vs Medi Classic Gold
Critical Illness Silver Plan vs Smart Health Pro
Critical Illness Silver Plan vs Optima Super Secure
Critical Illness Silver Plan vs Special Care
Critical Illness Silver Plan vs Optima Secure Global
Critical Illness Silver Plan vs Medicare LITE
Critical Illness Silver Plan vs Health Shield 360
Critical Illness Silver Plan vs NextGen
Critical Illness Silver Plan vs SecureHealth
Critical Illness Silver Plan vs Energy Silver With Copay
Critical Illness Silver Plan vs Supreme (Direct)
Critical Illness Silver Plan vs Plus
Critical Illness Silver Plan vs Medicare Select
Critical Illness Silver Plan vs myHealth Koti Suraksha
Critical Illness Silver Plan vs Senior
Critical Illness Silver Plan vs myHealth Suraksha Silver
Critical Illness Silver Plan vs Cardiac Care Platinum
Critical Illness Silver Plan vs Royal Sundaram Lifeline Elite
Critical Illness Silver Plan vs HeartBeat Platinum
Critical Illness Silver Plan vs Supreme Enhance One
Critical Illness Silver Plan vs HeartBeat Gold
Critical Illness Silver Plan vs Aspire Titanium+
Critical Illness Silver Plan vs iHealth Plus
Critical Illness Silver Plan vs Reassure 3.0 Classic
Critical Illness Silver Plan vs Senior Health Advantage
Critical Illness Silver Plan vs Health Wallet
Critical Illness Silver Plan vs Elevate
Critical Illness Silver Plan vs Heart
Critical Illness Silver Plan vs Reassure 2.0 Titanium+
Critical Illness Silver Plan vs Diabetes Safe Plan A
Critical Illness Silver Plan vs Reassure 2.0 Bronze+
Critical Illness Silver Plan vs Young Star Silver
Critical Illness Silver Plan vs Enhance Super Top-up
Critical Illness Silver Plan vs Joy
Critical Illness Silver Plan vs Supreme Senior Health AdvantEdge
Critical Illness Silver Plan vs Supreme Super Saver
Critical Illness Silver Plan 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.