Insurance Plans Comparison
ICICI Lombard Criti Shield Plus vs HDFC ERGO Energy Silver Without Copay
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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Criti Shield Plus
Pay a lump sum for 92 major and minor critical illnesses in five groups, with the full sum insured for a major illness and 25% for a minor one, and make another claim from a different group.
What Makes It Special:
Criti Shield Plus is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.
Best For:
- Not available
VS
Energy Silver Without Copay
Cover diabetes and hypertension from day one with no co-pay, pay for your own wellness tests, and get a one-time 100% restore plus 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 keeps claims free of co-payment while holding...
Best For:
Buyers who intend to participate in the wellness programme for the renewal discount even though they pay for the tests themselves
People who expect a sizeable hospitalisation, where a 20% co-payment would be costly in absolute terms
Buyers who prioritise full claim settlement over bundled wellness benefits when choosing between the four configurations
Buyers who already get HbA1c and lipid monitoring through an employer scheme or pay for it themselves and do not need the test cost bundled in
Individuals diagnosed with diabetes or hypertension who want day-one cover for that condition without contributing a share of each claim
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
Not available
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.
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.
You still need to undergo the wellness tests to earn reward points and the renewal discount of up to 25%, so factor the test cost into your running cost of the policy.
Compare it against the Silver plan with co-payment by calculating 20% of a realistic claim at your sum insured, because that is the amount the extra premium here buys out.
Compare this against the Gold plan without co-payment by pricing the two wellness tests locally, since the only stated difference between the plans is who bears that cost.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Criti Shield Plus Health Insurance Plan VS VS |
Energy Silver Without Copay Health Insurance Plan |
| Room Rent |
|---|
Criti Shield Plus Normal: Not Applicable ICU: Not Applicable |
VS VS |
Energy Silver Without Copay
|
| Advanced Treatments |
|---|
Criti Shield Plus Bone Marrow Transplant Major Organ Transplant Open Chest CABG Open Heart Valve Replacement/Repair Surgery of Aorta Angioplasty Balloon Valvotomy / Valvuloplasty Cardiac Defibrillator Insertion Carotid Artery Surgery Small Bowel Transplant |
VS VS |
Energy Silver Without Copay Includes modern medical procedures like robotic surgery, organ transplants, and advanced cancer treatments for enhanced healthcare access. |
| ICU Charges |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
Energy Silver Without Copay Not specified. |
| Co-payment |
|---|
Criti Shield Plus Not Applicable |
VS VS |
Energy Silver Without Copay No copayments. Mentioned in the name of the policy itself. |
| Disease-wise sublimits |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
Energy Silver Without Copay Not specified |
| Waiting Period |
|---|
Criti Shield Plus Initial Waiting Period: 90 Days Pre-existing Disease Waiting Period: Pre-existing diseases are excluded |
VS VS |
Energy Silver Without Copay
|
| Cashless Healthcare Providers |
|---|
Criti Shield Plus Not Applicable |
VS VS |
Energy Silver Without Copay 16,000 cashless healthcare providers. |
| Restoration Benefit |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
Energy Silver Without Copay Restore Benefit stated as available; the restoration amount, number of restorations and conditions are Not specified in the available literature |
| Daycare Treatment |
|---|
Criti Shield Plus Not Applicable |
VS VS |
Energy Silver Without Copay Covered under the policy. |
| Cumulative Bonus |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
Energy Silver Without Copay Not covered — non-medical expenses are excluded |
| AYUSH Treatment |
|---|
Criti Shield Plus Not Mentioned |
VS VS |
Energy Silver Without Copay Covered under this policy |
| Consumable Cover |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
Energy Silver Without Copay Not covered — non-medical expenses are excluded |
| Initial Waiting Period |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
Energy Silver Without Copay Not specified. No waiting period applies to hospitalisation arising out of diabetes or hypertension |
| Specific Waiting Period |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
Energy Silver Without Copay 24 months for specified diseases including cataract, hernia, joint replacement surgeries and surgery of hydrocele |
| PED Waiting Period |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
Energy Silver 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 |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
Energy Silver Without Copay Not specified. |
| Annual Health Checkup |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
Energy Silver Without Copay Two wellness tests per policy year are available, but their cost is excluded under the Silver plan and borne by the insured |
| Post-Hospitalisation |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
Energy Silver Without Copay 60 days |
| Outpatient Department Cover (OPD Expense) |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
Energy Silver 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 |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
Energy Silver Without Copay Not specified |
| Coverage Options |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
Energy Silver Without Copay Individual only — no family floater option |
| Maternity Cover |
|---|
Criti Shield Plus Information Unavailable |
VS VS |
Energy Silver Without Copay Not covered — pregnancy is excluded |
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.
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Talk to experienced advisors at no cost, and make confident decisions
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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
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Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
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