Insurance Plans Comparison
ICICI Lombard Activate Booster Plan B vs HDFC ERGO Energy Gold Without Copay
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreActivate Booster Plan B
Flexible super top-up health insurance with high Sum Insured options, extended optional benefits and multiple deductible choices.
What Makes It Special:
Plan B combines high Sum Insured options with broader optional benefits such as health check-up, nursing at home and dependent accommodation, subject to additional premium and applicable conditions.
Best For:
Financial safety for large medical bills
Advanced treatment and wellness add-ons
High-sum insured super top-up policy
Maximum flexibility and big coverage
VS
Energy 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
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 seek quick claim settlement and annual health check-ups
You want coverage for dependents accommodation during hospitalization
You prefer easy conversion to base plan, no deductible
You want flexibility to top-up your policy
You need health coverage up to ₹3 crore
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.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Activate Booster Plan B Health Insurance Plan VS VS |
![]() Energy Gold Without Copay Health Insurance Plan |
| Room Rent |
|---|
Activate Booster Plan B 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 |
VS VS |
Energy Gold Without Copay
|
| ICU Charges |
|---|
Activate Booster Plan B No restriction on ICU room rent |
VS VS |
Energy Gold Without Copay Not specified |
| Advanced Treatments |
|---|
Activate Booster Plan B Information Unavailable |
VS VS |
Energy Gold Without Copay
|
| Co-payment |
|---|
Activate Booster Plan B Not available |
VS VS |
Energy Gold Without Copay No copayment |
| Disease-wise sublimits |
|---|
Activate Booster Plan B No |
VS VS |
Energy Gold Without Copay Information Unavailable |
| Restoration Benefit |
|---|
Activate Booster Plan B Not available |
VS VS |
Energy Gold Without Copay Restore Benefit stated as available; the restoration amount, number of restorations and conditions are Not specified in the available literature |
| Cashless Healthcare Providers |
|---|
Activate Booster Plan B 10,300+ Healthcare Providers |
VS VS |
Energy Gold Without Copay 16,000 cashless healthcare providers. |
| Cumulative Bonus |
|---|
Activate Booster Plan B Available as an option |
VS VS |
Energy Gold Without Copay Stated as available; the bonus percentage, cap and conditions are Not specified. |
| Daycare Treatment |
|---|
Activate Booster Plan B Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
Energy Gold Without Copay Covered under the policy. |
| Consumable Cover |
|---|
Activate Booster Plan B Yes |
VS VS |
Energy Gold Without Copay Information Unavailable |
| AYUSH Treatment |
|---|
Activate Booster Plan B Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Energy Gold Without Copay Covered under this policy |
| Initial Waiting Period |
|---|
Activate Booster Plan B 30 days |
VS VS |
Energy Gold Without Copay Not specified. No waiting period applies to hospitalisation arising out of diabetes or hypertension |
| Specific Waiting Period |
|---|
Activate Booster Plan B 2 years |
VS VS |
Energy Gold Without Copay 24 months for specified diseases including cataract, hernia, joint replacement surgeries and surgery of hydrocele |
| PED Waiting Period |
|---|
Activate Booster Plan B 3 years |
VS VS |
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 |
| Modern Treatment |
|---|
Activate Booster Plan B Hospital expenses for listed advanced treatments are covered up to your annual sum insured during the policy period |
VS VS |
Energy Gold Without Copay Not specified |
| Annual Health Checkup |
|---|
Activate Booster Plan B Health checkup is not included as part of base cover. However, you can opt for the Annual Health Checkup Add-on to avail health checkup once per Policy Year |
VS VS |
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 |
| Pre-Hospitalisation |
|---|
Activate Booster Plan B You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
VS VS |
Energy Gold Without Copay 30 days |
| Post-Hospitalisation |
|---|
Activate Booster Plan B You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it |
VS VS |
Energy Gold Without Copay 60 days |
| Outpatient Department Cover (OPD Expense) |
|---|
Activate Booster Plan B OPD expense is not included as part of base cover. However, you can opt for an add-on to avail this coverage |
VS VS |
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 |
| Deductible Option |
|---|
Activate Booster Plan B Available |
VS VS |
Energy Gold Without Copay Not specified |
| Coverage Options |
|---|
Activate Booster Plan B Available coverage options: ₹10L, 15L, 20L, 25L, 45L, 50L, 85L, 90L, 95L, 1Cr, 3Cr |
VS VS |
Energy Gold Without Copay Individual only — no family floater option |
| Claim Settlement Ratio |
|---|
Activate Booster Plan B 97.16% |
VS VS |
Energy Gold Without Copay 97.45% |
| Maternity Cover |
|---|
Activate Booster Plan B Not available |
VS VS |
Energy Gold Without Copay Not covered — pregnancy is excluded |
Insurance Plans Comparison
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