Insurance Plans Comparison
HDFC ERGO Energy Silver 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 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
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
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
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.
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 Silver Without Copay Health Insurance Plan VS VS |
Elevate Health Insurance Plan |
| Room Rent |
|---|
Energy Silver 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 Silver Without Copay Not specified. |
VS VS |
Elevate No restriction on ICU room rent |
| Advanced Treatments |
|---|
Energy Silver Without Copay Includes modern medical procedures like robotic surgery, organ transplants, and advanced cancer treatments for enhanced healthcare access. |
VS VS |
Elevate Information Unavailable |
| Disease-wise sublimits |
|---|
Energy Silver Without Copay Not specified |
VS VS |
Elevate No |
| Co-payment |
|---|
Energy Silver Without Copay No copayments. Mentioned in the name of the policy itself. |
VS VS |
Elevate Available as an option |
| Waiting Period |
|---|
Energy Silver Without Copay
|
VS VS |
Elevate Information Unavailable |
| Restoration Benefit |
|---|
Energy Silver 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) |
| Cashless Healthcare Providers |
|---|
Energy Silver Without Copay 16,000 cashless healthcare providers. |
VS VS |
Elevate 10300+ Healthcare Providers |
| Cumulative Bonus |
|---|
Energy Silver Without Copay Not covered — non-medical expenses are excluded |
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 Silver Without Copay Covered under the policy. |
VS VS |
Elevate Covers medical expenses for treatments not requiring 24-hour hospitalization, up to annual sum insured |
| Consumable Cover |
|---|
Energy Silver Without Copay Not covered — non-medical expenses are excluded |
VS VS |
Elevate No. However, available as an add-on |
| AYUSH Treatment |
|---|
Energy Silver Without Copay Covered under this policy |
VS VS |
Elevate Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Initial Waiting Period |
|---|
Energy Silver 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 Silver 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 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 |
VS VS |
Elevate 3 years |
| Modern Treatment |
|---|
Energy Silver 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 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 |
VS VS |
Elevate Health checkup is not included as part of base cover. However, available as an add-on |
| Pre-Hospitalisation |
|---|
Energy Silver Without Copay Information Unavailable |
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 Silver 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 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 |
VS VS |
Elevate OPD expense is not included as part of base cover. However, available as an add-on |
| Deductible Option |
|---|
Energy Silver Without Copay Not specified |
VS VS |
Elevate Not available |
| Coverage Options |
|---|
Energy Silver 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 Silver Without Copay Information Unavailable |
VS VS |
Elevate 97.16% |
| Maternity Cover |
|---|
Energy Silver 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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