Insurance Plans Comparison
HDFC ERGO Energy Gold Without Copay vs HDFC ERGO myHealth Suraksha Silver
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreEnergy 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
VS
myHealth Suraksha Silver
Cover hospitalisation, cashless home treatment and day care, with 60 days before admission and 180 days after discharge, plus a 5% bonus each claim-free year up to 50% of the sum insured.
What Makes It Special:
myHealth Suraksha focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.
Best For:
- Not available
Insurance Plans Comparison
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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
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.
Not available
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Energy Gold Without Copay Health Insurance Plan VS VS |
![]() myHealth Suraksha Silver Health Insurance Plan |
| Room Rent |
|---|
Energy Gold Without Copay
|
VS VS |
myHealth Suraksha Silver 1% of Sum Insured per day, subject to a maximum of ₹5,000 per day (if Room Rent Restriction Option is selected) 2% of Sum Insured per day, subject to a maximum of ₹10,000 per day (if Room Rent Restriction Option is selected) |
| ICU Charges |
|---|
Energy Gold Without Copay Not specified |
VS VS |
myHealth Suraksha Silver Information Unavailable |
| Advanced Treatments |
|---|
Energy Gold Without Copay
|
VS VS |
myHealth Suraksha Silver All Advance Treatment are Covered |
| Co-payment |
|---|
Energy Gold Without Copay No copayment |
VS VS |
myHealth Suraksha Silver Optional Co-payment available |
| Waiting Period |
|---|
Energy Gold Without Copay Information Unavailable |
VS VS |
myHealth Suraksha Silver Initial Waiting Period: 30 Days Pre-existing Disease Waiting Period: 48 Months |
| Cashless Healthcare Providers |
|---|
Energy Gold Without Copay 16,000 cashless healthcare providers. |
VS VS |
myHealth Suraksha Silver Available through network hospitals |
| Restoration Benefit |
|---|
Energy Gold Without Copay Restore Benefit stated as available; the restoration amount, number of restorations and conditions are Not specified in the available literature |
VS VS |
myHealth Suraksha Silver Information Unavailable |
| Cumulative Bonus |
|---|
Energy Gold Without Copay Stated as available; the bonus percentage, cap and conditions are Not specified. |
VS VS |
myHealth Suraksha Silver Information Unavailable |
| Daycare Treatment |
|---|
Energy Gold Without Copay Covered under the policy. |
VS VS |
myHealth Suraksha Silver Covered |
| AYUSH Treatment |
|---|
Energy Gold Without Copay Covered under this policy |
VS VS |
myHealth Suraksha Silver Covered |
| Initial Waiting Period |
|---|
Energy Gold Without Copay Not specified. No waiting period applies to hospitalisation arising out of diabetes or hypertension |
VS VS |
myHealth Suraksha Silver Information Unavailable |
| Specific Waiting Period |
|---|
Energy Gold Without Copay 24 months for specified diseases including cataract, hernia, joint replacement surgeries and surgery of hydrocele |
VS VS |
myHealth Suraksha Silver Information Unavailable |
| PED Waiting Period |
|---|
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 |
VS VS |
myHealth Suraksha Silver Information Unavailable |
| Modern Treatment |
|---|
Energy Gold Without Copay Not specified |
VS VS |
myHealth Suraksha Silver Information Unavailable |
| Annual Health Checkup |
|---|
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 |
VS VS |
myHealth Suraksha Silver Information Unavailable |
| Pre-Hospitalisation |
|---|
Energy Gold Without Copay 30 days |
VS VS |
myHealth Suraksha Silver Information Unavailable |
| Post-Hospitalisation |
|---|
Energy Gold Without Copay 60 days |
VS VS |
myHealth Suraksha Silver Information Unavailable |
| Outpatient Department Cover (OPD Expense) |
|---|
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 |
VS VS |
myHealth Suraksha Silver Information Unavailable |
| Deductible Option |
|---|
Energy Gold Without Copay Not specified |
VS VS |
myHealth Suraksha Silver Information Unavailable |
| Coverage Options |
|---|
Energy Gold Without Copay Individual only — no family floater option |
VS VS |
myHealth Suraksha Silver Information Unavailable |
| Claim Settlement Ratio |
|---|
Energy Gold Without Copay 97.45% |
VS VS |
myHealth Suraksha Silver Information Unavailable |
| Maternity Cover |
|---|
Energy Gold Without Copay Not covered — pregnancy is excluded |
VS VS |
myHealth Suraksha Silver Information Unavailable |
Insurance Plans Comparison
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