Insurance Plans Comparison
HDFC ERGO Energy Silver With Copay vs Niva Bupa Senior First Gold Plan
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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Energy Silver With Copay
HDFC ERGO Energy Silver Plan
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
Senior First Gold Plan
Niva Bupa Senior First Gold Plan
What Makes It Special:
Niva Bupa Senior First Gold is a specialized health insurance plan designed to provide comprehensive coverage and unconditional support for seniors in their golden years. It covers in-patient hospitalization, pre- and post-hospitalization expenses, daycare treatments, and domiciliary hospitalization. With features like ambulance cover and no sub-limits on common health conditions,...
Best For:
Proactive Health Management
Coverage Without Hidden Limits
Long-Term & Multiple Treatments
Seniors Seeking Comprehensive Care
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
Appreciate coverage for daycare and advanced procedures
Prefer extensive coverage for heart-related treatments
You want specialized cardiac care for seniors
You want comprehensive coverage up to ₹10 Lakhs
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Energy Silver With Copay Health Insurance Plan VS VS |
Senior First Gold Plan Health Insurance Plan |
| Room Rent |
|---|
Energy Silver With Copay All room categories are covered |
VS VS |
Senior First Gold Plan The shared Room is covered. |
| ICU Charges |
|---|
Energy Silver With Copay No restriction on ICU room rent |
VS VS |
Senior First Gold Plan No restriction on ICU room rent |
| Advanced Treatments |
|---|
Energy Silver With Copay Not Available |
VS VS |
Senior First Gold Plan Including robotic surgeries, stem cell therapy (for specific conditions), and modern procedures like laser treatments and bariatric surgery. |
| Disease-wise sublimits |
|---|
Energy Silver With Copay No |
VS VS |
Senior First Gold Plan No |
| Co-payment |
|---|
Energy Silver With Copay Available as an option |
VS VS |
Senior First Gold Plan Yes, 50% |
| 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 |
Senior First Gold Plan Not Available. |
| Cashless Healthcare Providers |
|---|
Energy Silver With Copay 15,000+ Healthcare Providers |
VS VS |
Senior First Gold Plan 10000+ Healthcare Providers |
| Cumulative Bonus |
|---|
Energy Silver With Copay Your sum insured increases by 10% every year, maximum up to 100% |
VS VS |
Senior First Gold Plan Not Available |
| Daycare Treatment |
|---|
Energy Silver With Copay Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
Senior First Gold Plan Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Consumable Cover |
|---|
Energy Silver With Copay Yes |
VS VS |
Senior First Gold Plan Not Available |
| AYUSH Treatment |
|---|
Energy Silver With Copay Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Senior First Gold Plan Covers AYUSH treatment expenses up to your annual sum insured during the policy period. |
| Initial Waiting Period |
|---|
Energy Silver With Copay 30 days |
VS VS |
Senior First Gold Plan 30 days. |
| Specific Waiting Period |
|---|
Energy Silver With Copay 2 years |
VS VS |
Senior First Gold Plan 2 years |
| PED Waiting Period |
|---|
Energy Silver With Copay 2 years |
VS VS |
Senior First Gold Plan 2 years |
| 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 |
Senior First Gold Plan Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Energy Silver With Copay Health check-up is available twice every policy year, from day 1 of the policy |
VS VS |
Senior First Gold Plan Not Available |
| 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 |
Senior First Gold Plan You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
| 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 |
Senior First Gold Plan 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 With Copay OPD expense is not included |
VS VS |
Senior First Gold Plan OPD expense is not included |
| Deductible Option |
|---|
Energy Silver With Copay Not available |
VS VS |
Senior First Gold Plan Available |
| Coverage Options |
|---|
Energy Silver With Copay Available coverage options: ₹2L, 3L, 5L, 10L, 20L, 25L, 50L |
VS VS |
Senior First Gold Plan Available coverage options: ₹5L, ₹10L |
| Claim Settlement Ratio |
|---|
Energy Silver With Copay 95% |
VS VS |
Senior First Gold Plan 92.02% |
| Maternity Cover |
|---|
Energy Silver With Copay Not available |
VS VS |
Senior First Gold Plan Not Available |
Insurance Plans Comparison
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
From choosing the right policy to managing claims, every step is handled for you
Zero Spam. Zero Hassle
Pure advice, no unwanted calls, no unnecessary push
Free Expert Consultation
Talk to experienced advisors at no cost, and make confident decisions
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
Insurance Plans Comparison
Explore Insurance Category
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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
Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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
Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs
Insurance Plans Comparison
Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
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Energy Silver With Copay Vs Senior First Gold Plan
