Insurance Plans Comparison
HDFC ERGO Energy Silver With Copay vs ICICI Lombard Health Booster
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreEnergy Silver With Copay
Cover diabetes and hypertension from day one, with wellness tests at your own cost, a one-time 100% restore and a 10% yearly bonus even after claims, up to 100%, while you pay 20% of every eligible claim.
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
Health Booster
Buy a super top-up that pays hospital bills above a deductible of ₹3 lakh, ₹4 lakh or ₹5 lakh, with a sum insured from ₹5 lakh to ₹50 lakh, inpatient AYUSH cover and a once-a-year reset for an unrelated illness.
What Makes It Special:
Health Booster is a deductible-based health insurance product designed to provide additional financial protection when eligible hospitalisation expenses exceed the selected deductible. Its value depends on the relationship between the deductible, the available sum insured and the coverage provided by the policyholder's primary health insurance. Waiting periods, eligible expenses, exclusions...
Best For:
People who are comfortable checking waiting periods, exclusions and deductible conditions before purchasing additional cover.
Buyers comparing a top-up plan with a super top-up plan who want to understand how the deductible is applied to claims.
Families looking to increase their overall potential health insurance protection without relying entirely on a single base policy.
Buyers who can manage expenses up to the deductible and want cover for eligible expenses above that amount.
People who already have health insurance and want additional protection against large medical bills.
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 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
Before buying, compare the premium, deductible, sum insured and claim conditions with the cost of increasing your existing base policy.
If you expect to claim for a specific treatment, verify that the treatment is covered and that its waiting period and exclusions are satisfied.
If you have a pre-existing disease, check that it has been disclosed and accepted and understand the applicable waiting period before relying on the cover.
If you may have several hospitalisation claims in one year, confirm whether the deductible applies per claim or on an aggregate basis under your specific policy version.
If you already have a base health policy, compare its sum insured with the Health Booster deductible to identify any potential coverage gap.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Energy Silver With Copay Health Insurance Plan VS VS |
![]() Health Booster Health Insurance Plan |
| Room Rent |
|---|
Energy Silver With Copay All room categories are covered |
VS VS |
Health Booster
|
| ICU Charges |
|---|
Energy Silver With Copay No restriction on ICU room rent |
VS VS |
Health Booster Information Unavailable |
| Advanced Treatments |
|---|
Energy Silver With Copay Information Unavailable |
VS VS |
Health Booster
|
| Disease-wise sublimits |
|---|
Energy Silver With Copay No |
VS VS |
Health Booster No comprehensive disease-wise sublimit list has been confirmed for the referenced policy wording. Check the policy schedule and applicable benefit conditions. |
| Co-payment |
|---|
Energy Silver With Copay Available as an option |
VS VS |
Health Booster This does not apply if the insured is 60 years of age or below. However, this condition will not be applicable if you were aged 45 years or below at the time of buying this policy for the first time and have renewed it continuously after that. |
| Restoration Benefit |
|---|
Energy Silver With Copay Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses |
VS VS |
Health Booster Information Unavailable |
| Cashless Healthcare Providers |
|---|
Energy Silver With Copay 15,000+ Healthcare Providers |
VS VS |
Health Booster 10,896 cashless healthcare |
| Cumulative Bonus |
|---|
Energy Silver With Copay Your sum insured increases by 10% every year, maximum up to 100% |
VS VS |
Health Booster Additional Sum Insured increases by 10% of the base sum insured for each claim-free policy year, up to 50%. A claim in a subsequent policy period reduces the accrued amount by 10% of the sum insured at renewal. |
| Daycare Treatment |
|---|
Energy Silver With Copay Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
Health Booster 150 medical expenses incurred by you while undergoing Specified Day Care Treatment, which require less than 24 hours hospitalization are covered by the policy. |
| Consumable Cover |
|---|
Energy Silver With Copay Yes |
VS VS |
Health Booster Not verified as a standard benefit for this policy version. |
| AYUSH Treatment |
|---|
Energy Silver With Copay Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Health Booster Covered by the policy.. |
| Initial Waiting Period |
|---|
Energy Silver With Copay 30 days |
VS VS |
Health Booster Subject to policy wording and applicable exceptions. Confirm the applicable schedule before publishing a definitive duration. |
| Specific Waiting Period |
|---|
Energy Silver With Copay 2 years |
VS VS |
Health Booster 2 years for specified diseases and procedures, subject to policy terms. |
| PED Waiting Period |
|---|
Energy Silver With Copay 2 years |
VS VS |
Health Booster 2 years for pre-existing diseases declared and accepted by the insurer. |
| Modern Treatment |
|---|
Energy Silver With Copay Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
Health Booster Covered subject to the sum insured, deductible and policy terms. |
| Annual Health Checkup |
|---|
Energy Silver With Copay Health check-up is available twice every policy year, from day 1 of the policy |
VS VS |
Health Booster Not confirmed for the policy wording referenced here. |
| Pre-Hospitalisation |
|---|
Energy Silver With Copay You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved |
VS VS |
Health Booster Eligible medical expenses are covered for up to 60 days before hospitalisation, subject to policy terms. |
| Post-Hospitalisation |
|---|
Energy Silver With Copay You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it |
VS VS |
Health Booster Eligible medical expenses are covered for up to 90 days after hospitalisation, subject to policy terms. |
| Outpatient Department Cover (OPD Expense) |
|---|
Energy Silver With Copay OPD expense is not included |
VS VS |
Health Booster Routine outpatient consultations and treatment are not listed as a standard base-cover benefit. |
| Deductible Option |
|---|
Energy Silver With Copay Not available |
VS VS |
Health Booster A deductible applies before eligible hospitalisation claims become payable. The selected amount and its application are specified in the policy schedule. Under the Super Top-up structure, the deductible applies to aggregate hospitalisation expenses during the policy year. |
| Coverage Options |
|---|
Energy Silver With Copay Available coverage options: ₹2L, 3L, 5L, 10L, 20L, 25L, 50L |
VS VS |
Health Booster Available as a Super Top-up health insurance plan, with the selected sum insured, deductible and individual or floater configuration specified in the policy schedule. |
| Claim Settlement Ratio |
|---|
Energy Silver With Copay 95% |
VS VS |
Health Booster FY 24-25: ~84% |
| Maternity Cover |
|---|
Energy Silver With Copay Not available |
VS VS |
Health Booster Not listed as a standard benefit in the referenced policy wording. |
Insurance Plans Comparison
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