Insurance Plans Comparison
HDFC ERGO Energy Silver With Copay vs HDFC ERGO Optima Secure
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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Energy Silver With Copay
HDFC ERGO Energy Silver Plan
What Makes It Special:
Energy Silver is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.
Best For:
Day-one coverage, no waiting period
Reward-based health insurance plan
Comprehensive wellness-focused protection
Dedicated diabetes and hypertension coverage
VS
What Makes It Special:
HDFC ERGO Optima Secure is a comprehensive health insurance plan offering coverage from ₹5 lakh to ₹2 crore for individuals and families. It provides a Secure Benefit that doubles your coverage from day one, Plus Benefit that grows it further on renewal, and Restore Benefit that reinstates the base sum after a...
Best For:
Comprehensive Family Health Insurance
Multi-Benefit Medical Protection Plan
Coverage with Automatic Sum Boost
Restoration-enabled Secure Health Policy
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 need pre and post-hospitalization costs covered
You appreciate restore and cumulative bonus on sum insured
You want reward points for maintaining health
You need day-one hospitalization, no waiting period
You want health cover for diabetes or hypertension
Coverage growth with Secure and Plus Benefits
Automatic sum insured restoration after claims
No room-rent or ICU restrictions
Annual health check-ups and preventive care
Long-term loyalty rewards and discounts
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Energy Silver With Copay Health Insurance Plan VS VS |
Optima Secure Health Insurance Plan |
| Room Rent |
|---|
Energy Silver With Copay All room categories are covered |
VS VS |
Optima Secure All room categories are covered |
| ICU Charges |
|---|
Energy Silver With Copay No restriction on ICU room rent |
VS VS |
Optima Secure No restriction on ICU room rent |
| Disease-wise sublimits |
|---|
Energy Silver With Copay No |
VS VS |
Optima Secure No |
| Co-payment |
|---|
Energy Silver With Copay Available as an option |
VS VS |
Optima Secure Not available |
| Restoration Benefit |
|---|
Energy Silver With Copay Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses |
VS VS |
Optima Secure Yes, your sum insured restores to 100% once every policy year |
| Cashless Healthcare Providers |
|---|
Energy Silver With Copay 15,000+ Healthcare Providers |
VS VS |
Optima Secure 15000+ Healthcare Providers |
| Cumulative Bonus |
|---|
Energy Silver With Copay Your sum insured increases by 10% every year, maximum up to 100% |
VS VS |
Optima Secure Your sum insured increases by 50% every year, maximum up to 300% |
| Daycare Treatment |
|---|
Energy Silver With Copay Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
Optima Secure Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Consumable Cover |
|---|
Energy Silver With Copay Yes |
VS VS |
Optima Secure Yes |
| AYUSH Treatment |
|---|
Energy Silver With Copay Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Optima Secure Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Initial Waiting Period |
|---|
Energy Silver With Copay 30 days |
VS VS |
Optima Secure 30 days |
| Specific Waiting Period |
|---|
Energy Silver With Copay 2 years |
VS VS |
Optima Secure 2 years |
| PED Waiting Period |
|---|
Energy Silver With Copay 2 years |
VS VS |
Optima Secure 3 years |
| Modern Treatment |
|---|
Energy Silver With Copay Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
Optima Secure Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Energy Silver With Copay Health check-up is available twice every policy year, from day 1 of the policy |
VS VS |
Optima Secure Health check-up is available after the first policy year |
| Pre-Hospitalisation |
|---|
Energy Silver With Copay You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved |
VS VS |
Optima Secure You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Energy Silver With Copay You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it |
VS VS |
Optima Secure You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
Energy Silver With Copay OPD expense is not included |
VS VS |
Optima Secure OPD expense is not included |
| Deductible Option |
|---|
Energy Silver With Copay Not available |
VS VS |
Optima Secure Available as an option |
| Coverage Options |
|---|
Energy Silver With Copay Available coverage options: ₹2L, 3L, 5L, 10L, 20L, 25L, 50L |
VS VS |
Optima Secure Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr and ₹2 Cr |
| Claim Settlement Ratio |
|---|
Energy Silver With Copay 95% |
VS VS |
Optima Secure 95% |
| Maternity Cover |
|---|
Energy Silver With Copay Not available |
VS VS |
Optima Secure No. However, available as an add-on |
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.
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