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Insurance Plans Comparison

HDFC ERGO Energy Silver 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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HDFC ERGO

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
ManipalCigna

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

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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.

  • 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.

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.

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Detailed Features Comparison

Compare the key features of different health insurance plans

Energy Silver Without Copay
Energy Silver Without Copay

Health Insurance Plan

Brochure

VS
Sarvah Pratham
Sarvah Pratham

Health Insurance Plan

Room Rent

Energy Silver Without Copay

  1. Normal:  coverage for hospital room rent without any sub-limits

     

  2. ICU: no limits
VS

Sarvah Pratham

Single Private AC Room under the base policy. ICU expenses are covered up to the Sum Insured.

ICU Charges

Energy Silver Without Copay

Not specified.

VS

Sarvah Pratham

Covered up to the Sum Insured.

Advanced Treatments

Energy Silver Without Copay

Includes modern medical procedures like robotic surgery, organ transplants, and advanced cancer treatments for enhanced healthcare access.

VS

Sarvah Pratham

Information Unavailable

Disease-wise sublimits

Energy Silver Without Copay

Not specified

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.

Co-payment

Energy Silver Without Copay

No copayments. Mentioned in the name of the policy itself.

VS

Sarvah Pratham

Optional Voluntary Co-payment of 10%, 20% or 30%. No zonal co-payment applies.

Waiting Period

Energy Silver Without Copay

  1.  Initial Waiting Period – 30 days from policy inception, except for accidental injuries.
  2. Pre-Existing Diseases (PED) – Covered after 2 years of continuous policy coverage.
  3. Specified Illnesses & Treatments – A waiting period of 2 years applies to certain listed conditions and procedures.
  4. Maternity Benefits (if applicable) – Typically covered after a 2 to 4-year waiting period, depending on policy terms.
  5. Lifestyle Diseases (Diabetes & Hypertension) – Covered after a specified waiting period as per policy terms.
VS

Sarvah Pratham

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

Sarvah Pratham

Optional: Unlimited restoration of the Base Sum Insured for related and unrelated illnesses/injuries during the policy year.

Cashless Healthcare Providers

Energy Silver Without Copay

 16,000 cashless healthcare providers.

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.

Cumulative Bonus

Energy Silver Without Copay

Not covered — non-medical expenses are excluded

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 Silver Without Copay

Covered under the policy. 

VS

Sarvah Pratham

Covered up to the Sum Insured for eligible Day Care Treatment related to the specified illnesses.

Consumable Cover

Energy Silver Without Copay

Not covered — non-medical expenses are excluded

VS

Sarvah Pratham

Not included in the base cover. Optional: Coverage for Non-Medical Items and Durable Medical Equipment is available.

AYUSH Treatment

Energy Silver Without Copay

Covered under this policy

VS

Sarvah Pratham

Covered up to the Sum Insured for eligible treatment related to the specified illnesses, subject to policy terms.

Initial Waiting Period

Energy Silver Without Copay

Not specified. No waiting period applies to hospitalisation arising out of diabetes or hypertension

VS

Sarvah Pratham

30 days, applicable under the standard waiting-period structure; accident claims are exempt.

Specific Waiting Period

Energy Silver Without Copay

24 months for specified diseases including cataract, hernia, joint replacement surgeries and surgery of hydrocele

VS

Sarvah Pratham

24 months for specified diseases/procedures, when the applicable Pratiksha optional cover is opted for.

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

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 Silver Without Copay

Not specified.

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 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

Sarvah Pratham

Available as an optional cover.

Pre-Hospitalisation

Energy Silver Without Copay

Information Unavailable

VS

Sarvah Pratham

Covered for 90 days immediately before hospitalisation, subject to the policy terms.

Post-Hospitalisation

Energy Silver Without Copay

60 days

VS

Sarvah Pratham

Covered for 180 days after discharge, subject to the policy terms.

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

Sarvah Pratham

Not covered under the base plan.

Deductible Option

Energy Silver Without Copay

Not specified

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 Silver Without Copay

Individual only — no family floater option

VS

Sarvah Pratham

Base Sum Insured options from ₹5 lakh to ₹3 crore.

Claim Settlement Ratio

Energy Silver Without Copay

Information Unavailable

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 Silver Without Copay

Not covered — pregnancy is excluded

VS

Sarvah Pratham

Not available under Sarvah Pratham.

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Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

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Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

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Energy Silver Without Copay Vs Sarvah Pratham

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