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Insurance Plans Comparison

HDFC ERGO Energy Silver With Copay vs Niva Bupa Health Companion Variant 2

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 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
Niva Bupa

Health Companion Variant 2

Add 20% of the base sum insured each claim-free year up to 100%, refill the base sum insured once for a different illness, and get animal-bite vaccination up to ₹5,000 with an annual health check-up.

What Makes It Special:

Health Companion Variant 2 is a Niva Bupa floater covering hospitalisation, day care, AYUSH and domiciliary treatment, with a refill benefit, no-claim bonus and 2- or 3-year term discounts. Variant-specific terms are not separated in the prospectus.

Best For:

  • Buyers who do not need maternity or OPD cover

  • Buyers who need hospitalisation, day care and AYUSH cover

  • Buyers who plan to pay for two or three years to get term discounts

  • Buyers who want a no-claim bonus that builds to 100%

  • Families who want a floater with a refill benefit

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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

  • The refill applies only once a policy year.

  • The 20% co-payment for higher room categories applies on Variant 2023.

  • Maternity is not covered, so plan separately if needed.

  • Term discounts do not apply if premium is paid monthly, half-yearly or quarterly.

  • The 36-month PED wait applies, so buy early if you have an existing condition.

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Detailed Features Comparison

Compare the key features of different health insurance plans

Energy Silver With Copay
Energy Silver With Copay

Health Insurance Plan

Brochure

VS
Health Companion Variant 2
Health Companion Variant 2

Health Insurance Plan

Brochure

Room Rent

Energy Silver With Copay

All room categories are covered

VS

Health Companion Variant 2

  1. Normal Room: No limit (any single private room covered)
  2. ICU Charges: Fully covered (as per actual hospitalization expenses)
ICU Charges

Energy Silver With Copay

No restriction on ICU room rent

VS

Health Companion Variant 2

Covered up to the sum insured as part of in-patient care

Advanced Treatments

Energy Silver With Copay

Information Unavailable

VS

Health Companion Variant 2

  1. Robotic Surgery Therapy
  2. Bariatric Surgery 
  3. Oral Chemotherapy 
  4. Proton Beam Therapy 
  5. Deep Brain Stimulation 
  6. Implantable Devices 
Disease-wise sublimits

Energy Silver With Copay

No

VS

Health Companion Variant 2

No disease sublimit schedule in the prospectus

Co-payment

Energy Silver With Copay

Available as an option

VS

Health Companion Variant 2

No mandatory co-payment for most policyholders. However, for individuals aged 65 years and above at the time of entry, a co-payment of 20% applies to each claim.

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

Health Companion Variant 2

Information Unavailable

Cashless Healthcare Providers

Energy Silver With Copay

15,000+ Healthcare Providers

VS

Health Companion Variant 2

10,000+ network hospitals.

Cumulative Bonus

Energy Silver With Copay

Your sum insured increases by 10% every year, maximum up to 100%

VS

Health Companion Variant 2

20% of the expiring base sum insured per claim-free year, up to 100%

Daycare Treatment

Energy Silver With Copay

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

VS

Health Companion Variant 2

Covered under the policy. 

Consumable Cover

Energy Silver With Copay

Yes

VS

Health Companion Variant 2

Prescribed medicines and consumables during treatment are covered. Annexure II items are not.

AYUSH Treatment

Energy Silver With Copay

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

VS

Health Companion Variant 2

Covered under this policy

Initial Waiting Period

Energy Silver With Copay

30 days

VS

Health Companion Variant 2

30 days, except accidents

Specific Waiting Period

Energy Silver With Copay

2 years

VS

Health Companion Variant 2

24 months for listed conditions

PED Waiting Period

Energy Silver With Copay

2 years

VS

Health Companion Variant 2

36 months

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

Health Companion Variant 2

Covered up to the sum insured

Annual Health Checkup

Energy Silver With Copay

Health check-up is available twice every policy year, from day 1 of the policy

VS

Health Companion Variant 2

Annual from day one, for defined tests. Up to ₹500 per ₹1 lakh of base sum insured. Cashless only.

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

Health Companion Variant 2

60 days before admission

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

Health Companion Variant 2

180 days after discharge

Outpatient Department Cover (OPD Expense)

Energy Silver With Copay

OPD expense is not included

VS

Health Companion Variant 2

Not covered

Deductible Option

Energy Silver With Copay

Not available

VS

Health Companion Variant 2

Annual aggregate deductible from ₹10,000 to ₹10 lakh

Coverage Options

Energy Silver With Copay

Available coverage options: ₹2L, 3L, 5L, 10L, 20L, 25L, 50L

VS

Health Companion Variant 2

Individual or floater, with optional hospital cash, personal accident and deductible

Claim Settlement Ratio

Energy Silver With Copay

95%

VS

Health Companion Variant 2

Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27).

Maternity Cover

Energy Silver With Copay

Not available

VS

Health Companion Variant 2

Not covered

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Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Why Choose Our Expert Consultation?

End-to-End Support

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From choosing the right policy to managing claims, every step is handled for you

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Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

Smart, Tech-Enabled Experience

  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

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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

Most Popular

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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Frequently Asked Questions (FAQs)

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Energy Silver With Copay Vs Health Companion Variant 2

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