Insurance Plans Comparison
HDFC ERGO EquiCover 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 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 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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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.
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
![]() EquiCover Health Insurance Plan VS VS |
![]() Energy Silver 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 Silver Without Copay
|
| ICU Charges |
|---|
EquiCover Up to 2% of Sum Insured per day |
VS VS |
Energy Silver 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 Silver Without Copay Includes modern medical procedures like robotic surgery, organ transplants, and advanced cancer treatments for enhanced healthcare access. |
| Co-payment |
|---|
EquiCover 20% Co-payment on every admissible claim |
VS VS |
Energy Silver Without Copay No copayments. Mentioned in the name of the policy itself. |
| 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 Silver Without Copay Not specified |
| Waiting Period |
|---|
EquiCover Initial Waiting Period: 30 Days Pre-existing Disease Waiting Period:
Specific Disease/Procedure Waiting Period: 24 Months |
VS VS |
Energy Silver Without Copay
|
| Cashless Healthcare Providers |
|---|
EquiCover Cashless treatment available through network providers |
VS VS |
Energy Silver 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 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 |
|---|
EquiCover Covered |
VS VS |
Energy Silver 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 Silver Without Copay Not covered — non-medical expenses are excluded |
| Consumable Cover |
|---|
EquiCover Not specified |
VS VS |
Energy Silver Without Copay Not covered — non-medical expenses are excluded |
| AYUSH Treatment |
|---|
EquiCover Covered up to 100% of Sum Insured |
VS VS |
Energy Silver 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 Silver 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 Silver 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 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 |
|---|
EquiCover Listed procedures covered up to 50% of Sum Insured, as in-patient or day care treatment |
VS VS |
Energy Silver 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 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 |
| Post-Hospitalisation |
|---|
EquiCover 60 days from the date of discharge; claimable on a reimbursement basis only |
VS VS |
Energy Silver Without Copay 60 days |
| Outpatient Department Cover (OPD Expense) |
|---|
EquiCover Not specified |
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 |
|---|
EquiCover Not specified |
VS VS |
Energy Silver Without Copay Not specified |
| Coverage Options |
|---|
EquiCover Information Unavailable |
VS VS |
Energy Silver Without Copay Individual only — no family floater option |
| Claim Settlement Ratio |
|---|
EquiCover 97.45% |
VS VS |
Energy Silver Without Copay Information Unavailable |
| Maternity Cover |
|---|
EquiCover Information Unavailable |
VS VS |
Energy Silver Without Copay Not covered — pregnancy is excluded |
Insurance Plans Comparison
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