Insurance Plans Comparison
HDFC ERGO EquiCover vs HDFC ERGO Energy Gold Without Copay
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreEquiCover
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 an indemnity health insurance product specifically filed for applicants who are routinely declined or heavily loaded on standard plans: persons certified with not less than 40% of a specified disability under the Rights of Persons with Disabilities Act 2016 or the Mental Healthcare Act 2017, and individuals with...
Best For:
Families covering a dependent child with a certified disability, since children can be enrolled on an individual policy of their own
Buyers who want a first layer of hospitalisation cover and are willing to pay extra to remove the standard 20% co-payment
Applicants with one of the 21 listed disabilities — including blindness, locomotor disability, thalassemia, haemophilia, sickle cell disease, autism spectrum disorder, cerebral palsy, mental illness and Parkinson's disease
Individuals living with HIV/AIDS seeking in-patient hospitalisation cover for medical conditions generally
Persons holding a disability certificate for not less than 40% of a specified disability from a government-appointed medical board, who cannot obtain standard health cover
VS
Energy Gold Without Copay
Cover diabetes and hypertension from day one with no co-pay, including cashless wellness tests at network centres, a one-time 100% restore and 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 pairs that with no co-payment on admissible...
Best For:
People who will actively use the wellness programme and reward points to bring down renewal premium
Buyers who want the cost of regular HbA1c and metabolic monitoring built into the policy rather than paid out of pocket
People with hypertension or pre-diabetes seeking hospitalisation cover for that condition without waiting two or more years
Buyers who want their admissible claims paid without contributing a 20% share of each one
Individuals already diagnosed with Type I or Type II diabetes who would otherwise face a long pre-existing disease waiting period on a standard health plan
Insurance Plans Comparison
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Quick Decision Guide
If you are being covered for HIV/AIDS, note that antiretroviral treatment costs are excluded, so budget for that medication separately.
A disability certificate from a government-appointed medical board is a condition precedent to the disability cover, so obtain and keep it before applying.
The sum insured is limited to ₹4 lakh or ₹5 lakh, so treat this as a base layer and consider whether a separate top-up or group cover is available to you for larger claims.
Room rent is capped at 1% of sum insured per day and ICU at 2%, which on a ₹5 lakh cover is ₹5,000 and ₹10,000 a day, so check those limits against room rates at the hospitals you would use.
Price the optional co-payment waiver before buying, because without it you bear 20% of every admissible claim — ₹1 lakh on a ₹5 lakh claim at the maximum sum insured.
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.
Use network centres for the wellness tests: at an approved non-network centre reimbursement is capped at ₹2,000, and at a non-approved centre nothing is reimbursed and no reward points are earned.
Gold costs more than Silver because it includes the wellness test cost, so compare that premium difference against what the two tests would cost you privately each year.
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.
This configuration costs more than the 20% co-payment version, so compare the extra premium against what a 20% share of a realistic claim at your sum insured would actually cost you.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() EquiCover Health Insurance Plan VS VS |
![]() Energy Gold Without Copay 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 |
Energy Gold Without Copay
|
| ICU Charges |
|---|
EquiCover Up to 2% of Sum Insured per day |
VS VS |
Energy Gold Without Copay Not specified |
| 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 |
Energy Gold Without Copay
|
| Co-payment |
|---|
EquiCover 20% Co-payment on every admissible claim |
VS VS |
Energy Gold Without Copay No copayment |
| Disease-wise sublimits |
|---|
EquiCover Yes — cataract treatment limited to ₹40,000 per eye per policy year; modern treatment capped at 50% of Sum Insured; emergency ground ambulance limited to ₹2,000 per hospitalisation |
VS VS |
Energy Gold Without Copay Information Unavailable |
| Waiting Period |
|---|
EquiCover Initial Waiting Period: 30 Days Pre-existing Disease Waiting Period:
Specific Disease/Procedure Waiting Period: 24 Months |
VS VS |
Energy Gold Without Copay Information Unavailable |
| Cashless Healthcare Providers |
|---|
EquiCover Cashless treatment available through network providers |
VS VS |
Energy Gold Without Copay 16,000 cashless healthcare providers. |
| Restoration Benefit |
|---|
EquiCover Not specified — no restoration, recharge or reinstatement of sum insured is provided in the policy document |
VS VS |
Energy Gold Without Copay Restore Benefit stated as available; the restoration amount, number of restorations and conditions are Not specified in the available literature |
| Daycare Treatment |
|---|
EquiCover Covered |
VS VS |
Energy Gold Without Copay Covered under the policy. |
| Cumulative Bonus |
|---|
EquiCover Not specified — no cumulative bonus or no-claim increase in sum insured is provided in the policy document |
VS VS |
Energy Gold Without Copay Stated as available; the bonus percentage, cap and conditions are Not specified. |
| Consumable Cover |
|---|
EquiCover Not specified |
VS VS |
Energy Gold Without Copay Information Unavailable |
| AYUSH Treatment |
|---|
EquiCover Covered up to 100% of Sum Insured |
VS VS |
Energy Gold Without Copay Covered under this policy |
| Initial Waiting Period |
|---|
EquiCover 30 days for all claims except those resulting from an accident; not applicable after twelve months of continuous coverage |
VS VS |
Energy Gold Without Copay Not specified. No waiting period applies to hospitalisation arising out of diabetes or hypertension |
| Specific Waiting Period |
|---|
EquiCover 24 months for listed conditions and surgical procedures; not applicable to accident claims |
VS VS |
Energy Gold Without Copay 24 months for specified diseases including cataract, hernia, joint replacement surgeries and surgery of hydrocele |
| PED Waiting Period |
|---|
EquiCover 24 months for the covered pre-existing disability; 36 months for other pre-existing conditions, excluding the covered disability and HIV/AIDS |
VS VS |
Energy Gold 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 |
|---|
EquiCover Listed procedures covered up to 50% of Sum Insured, as in-patient or day care treatment |
VS VS |
Energy Gold Without Copay Not specified |
| Annual Health Checkup |
|---|
EquiCover Not specified. A pre-policy check-up may be required based on age and sum insured, with 100% of the expense reimbursed on acceptance of the proposal |
VS VS |
Energy Gold Without Copay Two wellness tests per policy year, cost included under the Gold plan — cashless at network centres, up to ₹2,000 reimbursed at an approved non-network centre, nil at a non-approved centre |
| Pre-Hospitalisation |
|---|
EquiCover Information Unavailable |
VS VS |
Energy Gold Without Copay 30 days |
| Post-Hospitalisation |
|---|
EquiCover 60 days from the date of discharge; claimable on a reimbursement basis only |
VS VS |
Energy Gold Without Copay 60 days |
| Outpatient Department Cover (OPD Expense) |
|---|
EquiCover Not specified |
VS VS |
Energy Gold 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 |
|---|
EquiCover Not specified |
VS VS |
Energy Gold Without Copay Not specified |
| Coverage Options |
|---|
EquiCover Information Unavailable |
VS VS |
Energy Gold Without Copay Individual only — no family floater option |
| Claim Settlement Ratio |
|---|
EquiCover 97.45% |
VS VS |
Energy Gold Without Copay 97.45% |
| Maternity Cover |
|---|
EquiCover Information Unavailable |
VS VS |
Energy Gold Without Copay Not covered — pregnancy is excluded |
Insurance Plans Comparison
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