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Insurance Plans Comparison

HDFC ERGO Energy Gold Without Copay vs Star Health Cardiac Care Silver & Gold Plan

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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HDFC ERGO

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
Star

Health Cardiac Care Silver & Gold Plan

Health Insurance for Individuals with a History of Cardiac Conditions

What Makes It Special:

Cardiac-Focused Health Insurance

Best For:

  • Customers seeking specified modern treatment and eligible AYUSH coverage.

  • Individuals seeking outpatient benefits at network hospitals.

  • Customers comparing Silver and Gold cardiac coverage options.

  • Customers seeking cover for eligible cardiac and non-cardiac hospitalisation.

  • Individuals with a qualifying history of cardiac conditions or procedures.

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

  • 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.

  • Check the outpatient benefit limit and network hospital requirements.

  • Review the room rent limit and post-hospitalisation benefit limit.

  • Check the 10% co-payment applicable from age 61.

  • Understand the 30-day initial waiting period and other applicable waiting periods.

  • Review the 90-day cardiac waiting period.

  • Compare the cardiac coverage offered under Silver and Gold.

  • Check whether you meet the policy’s cardiac eligibility criteria.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Energy Gold Without Copay
Energy Gold Without Copay

Health Insurance Plan

VS
Health Cardiac Care Silver & Gold Plan
Health Cardiac Care Silver & Gold Plan

Health Insurance Plan

Room Rent

Energy Gold Without Copay

  1. Normal: no capping on room rent 
  2. ICU: no limit
VS

Health Cardiac Care Silver & Gold Plan

  1. Room, boarding and nursing expenses covered up to ₹5,000 per day.
ICU Charges

Energy Gold Without Copay

Not specified

VS

Health Cardiac Care Silver & Gold Plan

Covered as part of eligible hospitalisation expenses, subject to policy terms.

Advanced Treatments

Energy Gold Without Copay

  1. Robotic Surgery
  2. Stem Cell Therapy
  3. Organ Transplant
  4. Targeted & Immunotherapy
  5. Bariatric Surgery
  6. Advanced Cardiac Care
  7. Proton Beam Therapy
VS

Health Cardiac Care Silver & Gold Plan

Information Unavailable

Co-payment

Energy Gold Without Copay

No copayment 

VS

Health Cardiac Care Silver & Gold Plan

10% for insured persons aged 61 years and above at policy purchase or renewal.

Disease-wise sublimits

Energy Gold Without Copay

Information Unavailable

VS

Health Cardiac Care Silver & Gold Plan

Sublimits apply to specified treatments, including cataract and modern treatments.

Cashless Healthcare Providers

Energy Gold Without Copay

16,000 cashless healthcare providers.

VS

Health Cardiac Care Silver & Gold Plan

Cashless treatment is available at eligible network hospitals, subject to authorisation and policy conditions.

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

Health Cardiac Care Silver & Gold Plan

Not specified.

Cumulative Bonus

Energy Gold Without Copay

Stated as available; the bonus percentage, cap and conditions are Not specified.

VS

Health Cardiac Care Silver & Gold Plan

Not specified.

Daycare Treatment

Energy Gold Without Copay

Covered under the policy. 

VS

Health Cardiac Care Silver & Gold Plan

Eligible daycare procedures are covered, subject to policy terms.

AYUSH Treatment

Energy Gold Without Copay

Covered under this policy

VS

Health Cardiac Care Silver & Gold Plan

Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered up to the Sum Insured, subject to policy terms.

Consumable Cover

Energy Gold Without Copay

Information Unavailable

VS

Health Cardiac Care Silver & Gold Plan

Not specified.

Initial Waiting Period

Energy Gold Without Copay

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

VS

Health Cardiac Care Silver & Gold Plan

30 days, except for covered accident-related claims.

Specific Waiting Period

Energy Gold Without Copay

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

VS

Health Cardiac Care Silver & Gold Plan

24 months for specified diseases and procedures.

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

Health Cardiac Care Silver & Gold Plan

36 months for pre-existing diseases. Cardiac ailments covered under Section II have a separate 90-day waiting period.

Modern Treatment

Energy Gold Without Copay

Not specified

VS

Health Cardiac Care Silver & Gold Plan

Specified modern treatments are covered within the applicable treatment limits.

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

Health Cardiac Care Silver & Gold Plan

Not specified.

Pre-Hospitalisation

Energy Gold Without Copay

30 days

VS

Health Cardiac Care Silver & Gold Plan

Covered for up to 30 days before hospital admission.

Post-Hospitalisation

Energy Gold Without Copay

60 days

VS

Health Cardiac Care Silver & Gold Plan

Up to 60 days after discharge, limited to 7% of hospitalisation expenses and a maximum of ₹5,000 per hospitalisation.

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

Health Cardiac Care Silver & Gold Plan

Up to ₹500 per event, subject to a maximum of ₹1,500 per policy period at network hospitals in India.

Deductible Option

Energy Gold Without Copay

Not specified

VS

Health Cardiac Care Silver & Gold Plan

Not specified.

Coverage Options

Energy Gold Without Copay

Individual only — no family floater option

VS

Health Cardiac Care Silver & Gold Plan

Individual coverage with Silver and Gold plan options.

Claim Settlement Ratio

Energy Gold Without Copay

97.45%

VS

Health Cardiac Care Silver & Gold Plan

Insurer-level metric, not a policy benefit.

Maternity Cover

Energy Gold Without Copay

Not covered — pregnancy is excluded

VS

Health Cardiac Care Silver & Gold Plan

Not covered, except where the policy provides an applicable accident-related exception.

Insurance Plans Comparison

Still Confused? Get Expert Advice

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

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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

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

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  • Tailored for seniors healthcare needs

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Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

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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 Gold Without Copay Vs Health Cardiac Care Silver & Gold Plan

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