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Insurance Plans Comparison

HDFC ERGO Health Insurance Energy Silver vs ICICI Lombard Health Insurance Activate Booster Plan A

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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HDFC ERGO Health Insurance

Energy Silver

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
ICICI Lombard Health Insurance

Activate Booster Plan A

Activate Booster Plan A

What Makes It Special:

Activate Booster focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.

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

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

Energy Silver

Energy Silver

  • 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

Activate Booster Plan A

Activate Booster Plan A

  • 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 Silver
Energy Silver

Health Insurance Plan

Brochure

VS
Activate Booster Plan A
Activate Booster Plan A

Health Insurance Plan

Brochure

Room Rent

Energy Silver

All room categories are covered

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 Silver

No restriction on ICU room rent

VS

Activate Booster Plan A

No restriction on ICU room rent

Disease-wise sublimits

Energy Silver

No

VS

Activate Booster Plan A

No

Co-payment

Energy Silver

Available as an option

VS

Activate Booster Plan A

Not available

Restoration Benefit

Energy Silver

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

VS

Activate Booster Plan A

Not available

Cashless Healthcare Providers

Energy Silver

15,000+ Healthcare Providers

VS

Activate Booster Plan A

10,300+ Healthcare Providers

Cumulative Bonus

Energy Silver

Your sum insured increases by 10% every year, maximum up to 100%

VS

Activate Booster Plan A

Not available

Daycare Treatment

Energy Silver

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

VS

Activate Booster Plan A

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Consumable Cover

Energy Silver

Yes

VS

Activate Booster Plan A

Yes

AYUSH Treatment

Energy Silver

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

VS

Activate Booster Plan A

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Initial Waiting Period

Energy Silver

30 days

VS

Activate Booster Plan A

30 days

Specific Waiting Period

Energy Silver

2 years

VS

Activate Booster Plan A

2 years

PED Waiting Period

Energy Silver

2 years

VS

Activate Booster Plan A

3 years

Modern Treatment

Energy Silver

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

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 Silver

Health check-up is available twice every policy year, from day 1 of the policy

VS

Activate Booster Plan A

Not available

Pre-Hospitalisation

Energy Silver

You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved

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 Silver

You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it

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 Silver

OPD expense is not included

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 Silver

Not available

VS

Activate Booster Plan A

Available

Coverage Options

Energy Silver

Available coverage options: ₹2L, 3L, 5L, 10L, 20L, 25L, 50L

VS

Activate Booster Plan A

Available coverage options: ₹10L, 15L, 20L, 25L, 45L, 50L, 85L, 90L, 95L, 1Cr, 3Cr

Claim Settlement Ratio

Energy Silver

95%

VS

Activate Booster Plan A

88.50%

Maternity Cover

Energy Silver

Not available

VS

Activate Booster Plan A

Not available

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

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

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

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

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

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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