Insurance Plans Comparison
HDFC ERGO Energy Gold Without Copay vs ManipalCigna Sarvah Pratham
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
Sarvah Pratham
Comprehensive health insurance with high sum insured options and flexible add-on benefits
What Makes It Special:
Comprehensive Health Insurance
Best For:
1. Individuals who prefer flexible deductible and voluntary co-payment options.
Customers looking for optional benefits such as Restoration, Gullak and Sarathi.
People who want benefits such as AYUSH treatment and pre- and post-hospitalisation coverage.
Customers looking for coverage options ranging from ₹5 lakh to ₹3 crore.
Individuals and families looking for high sum insured options, broad hospitalisation coverage and optional benefits such as unlimited restoration and guaranteed cumulative bonus
Insurance Plans Comparison
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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.
ManipalCigna Sarvah Pratham
Check the available benefits, limits and optional covers carefully before choosing the plan to make sure they match your healthcare needs.
Consider Sarvah Pratham if you prefer flexibility through deductible and voluntary co-payment options.
This plan may be suitable if you want the option to add benefits such as Restoration, Gullak and Sarathi.
Consider this plan if you want hospitalisation coverage along with AYUSH treatment and pre- and post-hospitalisation benefits.
Consider Sarvah Pratham if you want coverage from ₹5 lakh to ₹3 crore with single private AC room coverage, AYUSH treatment, pre- and post-hospitalisation coverage, and the option to add benefits such as Restoration, Gullak and Sarathi. The plan also offers flexible deductible and voluntary co-payment options.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Energy Gold Without Copay Health Insurance Plan VS VS |
Sarvah Pratham Health Insurance Plan |
| Room Rent |
|---|
Energy Gold Without Copay
|
VS VS |
Sarvah Pratham Single Private AC Room under the base policy. ICU expenses are covered up to the Sum Insured. |
| ICU Charges |
|---|
Energy Gold Without Copay Not specified |
VS VS |
Sarvah Pratham Covered up to the Sum Insured. |
| Advanced Treatments |
|---|
Energy Gold Without Copay
|
VS VS |
Sarvah Pratham Information Unavailable |
| Co-payment |
|---|
Energy Gold Without Copay No copayment |
VS VS |
Sarvah Pratham Optional Voluntary Co-payment of 10%, 20% or 30%. No zonal co-payment applies. |
| Disease-wise sublimits |
|---|
Energy Gold Without Copay Information Unavailable |
VS VS |
Sarvah Pratham Hospitalisation for Heart, Cancer, Stroke and Major Organ/Bone Marrow Transplant is covered up to the applicable Sum Insured. Listed Modern and Advanced Treatments are subject to the specific limits stated in the Policy Schedule. |
| Cashless Healthcare Providers |
|---|
Energy Gold Without Copay 16,000 cashless healthcare providers. |
VS VS |
Sarvah Pratham 15,000+ cashless hospitals/network providers are currently advertised by ManipalCigna. The exact network is subject to change and should be checked through the insurer's locator. |
| 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 |
Sarvah Pratham Optional: Unlimited restoration of the Base Sum Insured for related and unrelated illnesses/injuries during the policy year. |
| Cumulative Bonus |
|---|
Energy Gold Without Copay Stated as available; the bonus percentage, cap and conditions are Not specified. |
VS VS |
Sarvah Pratham Gullak – Optional: 100% of Base Sum Insured is added every policy year, up to a maximum of 1500% of the Base Sum Insured, irrespective of claims. |
| Daycare Treatment |
|---|
Energy Gold Without Copay Covered under the policy. |
VS VS |
Sarvah Pratham Covered up to the Sum Insured for eligible Day Care Treatment related to the specified illnesses. |
| AYUSH Treatment |
|---|
Energy Gold Without Copay Covered under this policy |
VS VS |
Sarvah Pratham Covered up to the Sum Insured for eligible treatment related to the specified illnesses, subject to policy terms. |
| Consumable Cover |
|---|
Energy Gold Without Copay Information Unavailable |
VS VS |
Sarvah Pratham Not included in the base cover. Optional: Coverage for Non-Medical Items and Durable Medical Equipment is available. |
| Initial Waiting Period |
|---|
Energy Gold Without Copay Not specified. No waiting period applies to hospitalisation arising out of diabetes or hypertension |
VS VS |
Sarvah Pratham 30 days, applicable under the standard waiting-period structure; accident claims are exempt. |
| Specific Waiting Period |
|---|
Energy Gold Without Copay 24 months for specified diseases including cataract, hernia, joint replacement surgeries and surgery of hydrocele |
VS VS |
Sarvah Pratham 24 months for specified diseases/procedures, when the applicable Pratiksha optional cover is opted for. |
| 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 |
Sarvah Pratham 36 months under the base policy. Sarathi/Sarathi 2.0 can provide reduction for specified declared and accepted PED-related conditions, subject to its terms. |
| Modern Treatment |
|---|
Energy Gold Without Copay Not specified |
VS VS |
Sarvah Pratham Covered for listed Modern and Advanced Treatments for the specified illnesses, subject to the applicable limits in the Policy Schedule. |
| 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 |
Sarvah Pratham Available as an optional cover. |
| Pre-Hospitalisation |
|---|
Energy Gold Without Copay 30 days |
VS VS |
Sarvah Pratham Covered for 90 days immediately before hospitalisation, subject to the policy terms. |
| Post-Hospitalisation |
|---|
Energy Gold Without Copay 60 days |
VS VS |
Sarvah Pratham Covered for 180 days after discharge, subject to the policy terms. |
| 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 |
Sarvah Pratham Not covered under the base plan. |
| Deductible Option |
|---|
Energy Gold Without Copay Not specified |
VS VS |
Sarvah Pratham Optional Aggregate Deductible: ₹10,000, ₹25,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh, ₹5 lakh or ₹10 lakh. Daily Deductible options are also available: ₹1,000, ₹2,000, ₹3,000, ₹4,000 or ₹5,000 per day. |
| Coverage Options |
|---|
Energy Gold Without Copay Individual only — no family floater option |
VS VS |
Sarvah Pratham Base Sum Insured options from ₹5 lakh to ₹3 crore. |
| Claim Settlement Ratio |
|---|
Energy Gold Without Copay 97.45% |
VS VS |
Sarvah Pratham 99.88% of claims settled within 3 months in FY 2024–25, based on the latest IRDAI-reported data. This is an insurer-level figure, not a Sarvah Pratham-specific ratio. |
| Maternity Cover |
|---|
Energy Gold Without Copay Not covered — pregnancy is excluded |
VS VS |
Sarvah Pratham Not available under Sarvah Pratham. |
Insurance Plans Comparison
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