Insurance Plans Comparison
HDFC ERGO Energy Gold Without Copay vs ICICI Lombard Activate Booster Plan A
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
Activate Booster Plan A
Flexible super top-up health insurance with high Sum Insured options and a range of optional covers.
What Makes It Special:
Plan A is a super top-up health insurance option designed to provide additional protection above a chosen deductible, with Sum Insured options up to ₹3 crore and 180 days of post-hospitalisation cover.
Best For:
Advanced benefits with wellness add-ons
Extended healthcare financial protection
High-limit super top-up plan
Maximum flexibility and coverage
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.
You want guaranteed deductible reduction with renewals
You want jumpstart for faster pre-existing disease cover
You seek flexible deductible waiver options after 50 years
You prefer high sum insured options for major expenses
You want to top up existing health insurance limits
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Energy Gold Without Copay Health Insurance Plan VS VS |
![]() Activate Booster Plan A Health Insurance Plan |
| Room Rent |
|---|
Energy Gold Without Copay
|
VS VS |
Activate Booster Plan A Single Private Room is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category |
| ICU Charges |
|---|
Energy Gold Without Copay Not specified |
VS VS |
Activate Booster Plan A No restriction on ICU room rent |
| Advanced Treatments |
|---|
Energy Gold Without Copay
|
VS VS |
Activate Booster Plan A Information Unavailable |
| Co-payment |
|---|
Energy Gold Without Copay No copayment |
VS VS |
Activate Booster Plan A Not available |
| Disease-wise sublimits |
|---|
Energy Gold Without Copay Information Unavailable |
VS VS |
Activate Booster Plan A No |
| Cashless Healthcare Providers |
|---|
Energy Gold Without Copay 16,000 cashless healthcare providers. |
VS VS |
Activate Booster Plan A 10,300+ Healthcare Providers |
| 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 |
Activate Booster Plan A Not available |
| Cumulative Bonus |
|---|
Energy Gold Without Copay Stated as available; the bonus percentage, cap and conditions are Not specified. |
VS VS |
Activate Booster Plan A Not available |
| Daycare Treatment |
|---|
Energy Gold Without Copay Covered under the policy. |
VS VS |
Activate Booster Plan A Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| AYUSH Treatment |
|---|
Energy Gold Without Copay Covered under this policy |
VS VS |
Activate Booster Plan A Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Consumable Cover |
|---|
Energy Gold Without Copay Information Unavailable |
VS VS |
Activate Booster Plan A Yes |
| Initial Waiting Period |
|---|
Energy Gold Without Copay Not specified. No waiting period applies to hospitalisation arising out of diabetes or hypertension |
VS VS |
Activate Booster Plan A 30 days |
| Specific Waiting Period |
|---|
Energy Gold Without Copay 24 months for specified diseases including cataract, hernia, joint replacement surgeries and surgery of hydrocele |
VS VS |
Activate Booster Plan A 2 years |
| 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 |
Activate Booster Plan A 3 years |
| Modern Treatment |
|---|
Energy Gold Without Copay Not specified |
VS VS |
Activate Booster Plan A Hospital expenses for listed advanced treatments are covered up to your annual sum insured during the policy period |
| 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 |
Activate Booster Plan A Not available |
| Pre-Hospitalisation |
|---|
Energy Gold Without Copay 30 days |
VS VS |
Activate Booster Plan A You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Energy Gold Without Copay 60 days |
VS VS |
Activate Booster Plan A 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 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 |
Activate Booster Plan A OPD expense is not included as part of base cover. However, you can opt for an add-on to avail this coverage |
| Deductible Option |
|---|
Energy Gold Without Copay Not specified |
VS VS |
Activate Booster Plan A Available |
| Coverage Options |
|---|
Energy Gold Without Copay Individual only — no family floater option |
VS VS |
Activate Booster Plan A Available coverage options: ₹10L, 15L, 20L, 25L, 45L, 50L, 85L, 90L, 95L, 1Cr, 3Cr |
| Claim Settlement Ratio |
|---|
Energy Gold Without Copay 97.45% |
VS VS |
Activate Booster Plan A 97.16% |
| Maternity Cover |
|---|
Energy Gold Without Copay Not covered — pregnancy is excluded |
VS VS |
Activate Booster Plan A Not available |
Insurance Plans Comparison
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