Insurance Plans Comparison
HDFC ERGO Energy Gold Without Copay vs ICICI Lombard Elevate
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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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
VS
Elevate
Comprehensive health insurance with high coverage, loyalty bonus and flexible optional benefits
What Makes It Special:
ICICI Lombard’s Elevate health insurance policy is designed to provide comprehensive protection and flexibility. It covers hospitalisation, day-care treatments, pre- and post-hospitalisation expenses (90 to 180 days), AYUSH treatments, ambulance services (road and air), and even worldwide cashless hospitalisation. The policy offers unlimited reset of sum insured, 100% annual increase...
Best For:
Comprehensive All-Round Protection
Global Health Insurance Coverage
Advanced Critical Illness Cover
Tech-Enabled Seamless Support
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 global and all-round health coverage
You need CIBIL discount on good credit score
You need coverage on conditions like Asthma, BP, Cholesterol, Diabetes from Day 1
You need a good customer app which has a simplified claims experience
You need unlimited sum insured restoration benefits and high cumulative bonus
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Energy Gold Without Copay Health Insurance Plan VS VS |
Elevate Health Insurance Plan |
| Room Rent |
|---|
Energy Gold Without Copay
|
VS VS |
Elevate Single private AC room is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category (Option to modify room category) |
| ICU Charges |
|---|
Energy Gold Without Copay Not specified |
VS VS |
Elevate No restriction on ICU room rent |
| Advanced Treatments |
|---|
Energy Gold Without Copay
|
VS VS |
Elevate Information Unavailable |
| Co-payment |
|---|
Energy Gold Without Copay No copayment |
VS VS |
Elevate Available as an option |
| Disease-wise sublimits |
|---|
Energy Gold Without Copay Information Unavailable |
VS VS |
Elevate No |
| Cashless Healthcare Providers |
|---|
Energy Gold Without Copay 16,000 cashless healthcare providers. |
VS VS |
Elevate 10300+ 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 |
Elevate Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses (per claim in a policy year for related/unrelated illnesses) |
| Cumulative Bonus |
|---|
Energy Gold Without Copay Stated as available; the bonus percentage, cap and conditions are Not specified. |
VS VS |
Elevate Your sum insured increases by 20% every year maximum upto 100%. However, you can pay an additional premium to increase sum insured up to 100%, every year. (Option to boost coverage by 1x annually) |
| Daycare Treatment |
|---|
Energy Gold Without Copay Covered under the policy. |
VS VS |
Elevate Covers medical expenses for treatments not requiring 24-hour hospitalization, up to annual sum insured |
| AYUSH Treatment |
|---|
Energy Gold Without Copay Covered under this policy |
VS VS |
Elevate Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Consumable Cover |
|---|
Energy Gold Without Copay Information Unavailable |
VS VS |
Elevate No. However, available as an add-on |
| Initial Waiting Period |
|---|
Energy Gold Without Copay Not specified. No waiting period applies to hospitalisation arising out of diabetes or hypertension |
VS VS |
Elevate 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 |
Elevate 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 |
Elevate 3 years |
| Modern Treatment |
|---|
Energy Gold Without Copay Not specified |
VS VS |
Elevate Hospital expenses for listed advanced treatments are covered up to your full 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 |
Elevate Health checkup is not included as part of base cover. However, available as an add-on |
| Pre-Hospitalisation |
|---|
Energy Gold Without Copay 30 days |
VS VS |
Elevate 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 |
Elevate 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 |
Elevate OPD expense is not included as part of base cover. However, available as an add-on |
| Deductible Option |
|---|
Energy Gold Without Copay Not specified |
VS VS |
Elevate Not available |
| Coverage Options |
|---|
Energy Gold Without Copay Individual only — no family floater option |
VS VS |
Elevate Available sum insured options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr, ₹3 Cr and unlimited sum insured |
| Claim Settlement Ratio |
|---|
Energy Gold Without Copay 97.45% |
VS VS |
Elevate 97.16% |
| Maternity Cover |
|---|
Energy Gold Without Copay Not covered — pregnancy is excluded |
VS VS |
Elevate No. However, available as an add-on. |
Insurance Plans Comparison
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Frequently Asked Questions (FAQs)
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