Insurance Plans Comparison
HDFC ERGO Energy Gold Without Copay vs Star Family Health Optima
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read more
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
Family Health Optima
Restore the sum insured three times in a policy year, by 100% each time and only for an unrelated illness, and add a loyalty bonus of 10% of the expiring sum insured at renewal, up to 100%.
What Makes It Special:
Family Health Insurance
Best For:
Customers comparing restoration and loyalty bonus benefits.
Families wanting eligible AYUSH treatment and preventive health check-ups.
Customers seeking pre- and post-hospitalisation benefits.
Families looking for hospitalisation and daycare coverage.
Families seeking health insurance under a single floater Sum Insured.
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 policy limits for specific treatments and benefits.
Review pre- and post-hospitalisation coverage.
Check the restoration and loyalty bonus conditions.
Understand the 24-month specific disease waiting period and 36-month pre-existing disease waiting period.
Review the 30-day initial waiting period.
Check the shared accommodation benefit and applicable limits.
Review the 20% co-payment applicable to insured persons aged 61 and above at entry.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Energy Gold Without Copay Health Insurance Plan VS VS |
Family Health Optima Health Insurance Plan |
| Room Rent |
|---|
Energy Gold Without Copay
|
VS VS |
Family Health Optima
|
| ICU Charges |
|---|
Energy Gold Without Copay Not specified |
VS VS |
Family Health Optima Covered as part of eligible hospitalisation expenses, subject to policy terms. |
| Advanced Treatments |
|---|
Energy Gold Without Copay
|
VS VS |
Family Health Optima Information Unavailable |
| Co-payment |
|---|
Energy Gold Without Copay No copayment |
VS VS |
Family Health Optima 20% of each claim for insured persons whose age at entry is 61 years or above. |
| Disease-wise sublimits |
|---|
Energy Gold Without Copay Information Unavailable |
VS VS |
Family Health Optima Sublimits apply to specified benefits and treatments, subject to policy terms. |
| Cashless Healthcare Providers |
|---|
Energy Gold Without Copay 16,000 cashless healthcare providers. |
VS VS |
Family Health Optima 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 VS |
Family Health Optima 100% of the Sum Insured is restored up to three times in a policy year, subject to policy conditions. |
| Cumulative Bonus |
|---|
Energy Gold Without Copay Stated as available; the bonus percentage, cap and conditions are Not specified. |
VS VS |
Family Health Optima Loyalty Bonus is available for eligible Sum Insured options, subject to renewal conditions and policy limits. |
| Daycare Treatment |
|---|
Energy Gold Without Copay Covered under the policy. |
VS VS |
Family Health Optima Eligible daycare procedures are covered, subject to policy terms. |
| AYUSH Treatment |
|---|
Energy Gold Without Copay Covered under this policy |
VS VS |
Family Health Optima 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 VS |
Family Health Optima Not specified. |
| Initial Waiting Period |
|---|
Energy Gold Without Copay Not specified. No waiting period applies to hospitalisation arising out of diabetes or hypertension |
VS VS |
Family Health Optima
|
| Specific Waiting Period |
|---|
Energy Gold Without Copay 24 months for specified diseases including cataract, hernia, joint replacement surgeries and surgery of hydrocele |
VS VS |
Family Health Optima 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 VS |
Family Health Optima 36 months for pre-existing diseases. |
| Modern Treatment |
|---|
Energy Gold Without Copay Not specified |
VS VS |
Family Health Optima
|
| 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 |
Family Health Optima Preventive health check-up at network providers, according to the applicable Sum Insured and package. |
| Pre-Hospitalisation |
|---|
Energy Gold Without Copay 30 days |
VS VS |
Family Health Optima Covered for up to 60 days before hospital admission. |
| Post-Hospitalisation |
|---|
Energy Gold Without Copay 60 days |
VS VS |
Family Health Optima Covered for up to 90 days after discharge. |
| 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 |
Family Health Optima Not specified. |
| Deductible Option |
|---|
Energy Gold Without Copay Not specified |
VS VS |
Family Health Optima Not specified. |
| Coverage Options |
|---|
Energy Gold Without Copay Individual only — no family floater option |
VS VS |
Family Health Optima Family Floater. |
| Claim Settlement Ratio |
|---|
Energy Gold Without Copay 97.45% |
VS VS |
Family Health Optima Insurer-level metric, not a policy benefit. |
| Maternity Cover |
|---|
Energy Gold Without Copay Not covered — pregnancy is excluded |
VS VS |
Family Health Optima Not specified. |
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.
Explore Our Most Popular Plans
Compare With Other Health Insurance Plans
Energy Gold Without Copay vs Supreme Senior Premium
Energy Gold Without Copay vs Energy Silver Without Copay
Energy Gold Without Copay vs Ultimate
Energy Gold Without Copay vs EquiCover
Energy Gold Without Copay vs Optima Secure
Energy Gold Without Copay vs Super Mediclaim
Energy Gold Without Copay vs Critical Illness Platinum Plan
Energy Gold Without Copay vs Health Recharge
Energy Gold Without Copay vs Optima Secure Plus
Energy Gold Without Copay vs Cancer Cover Activ Cancer Secure Plan
Energy Gold Without Copay vs Optima Secure Global Plus
Energy Gold Without Copay vs LifeTime Health Global
Energy Gold Without Copay vs Women Care
Energy Gold Without Copay vs Aspire Diamond+
Energy Gold Without Copay vs Activate Booster Plan A
Energy Gold Without Copay vs myHealth Medisure Super Top-up
Energy Gold Without Copay vs Health Super Saver Standard
Energy Gold Without Copay vs Active Care Premier
Energy Gold Without Copay vs ProHealth Accumulate
Energy Gold Without Copay vs Supreme Shine
Energy Gold Without Copay vs Health Cardiac Care Silver & Gold Plan
Energy Gold Without Copay vs myHealth Suraksha Gold
Energy Gold Without Copay vs Elder Care
Energy Gold Without Copay vs Young Star Gold
Energy Gold Without Copay vs Assure
Energy Gold Without Copay vs Active Fit Plus
Energy Gold Without Copay vs Cancer Care Platinum
Energy Gold Without Copay vs OneHealth Premium
Energy Gold Without Copay vs Optima Lite
Energy Gold Without Copay vs ProHealth Prime Protect
Energy Gold Without Copay vs Medicare Plus
Energy Gold Without Copay vs Activ Health Platinum Essential
Energy Gold Without Copay vs Medicare Senior
Energy Gold Without Copay vs Enhance Super Top-up Two
Energy Gold Without Copay vs Reassure 3.0
Energy Gold Without Copay vs Medicare Protect
Energy Gold Without Copay vs Activ One SAVR
Energy Gold Without Copay vs Active Assure Diamond
Energy Gold Without Copay vs Activ One VIP
Energy Gold Without Copay vs Health Pulse Classic
Energy Gold Without Copay vs Advantage
Energy Gold Without Copay vs Mediclaim Insurance Policy
Energy Gold Without Copay vs Special Care Gold
Energy Gold Without Copay vs Activ One Max
Energy Gold Without Copay vs Classic
Energy Gold Without Copay vs Activ One Vytl
Energy Gold Without Copay vs Supreme
Energy Gold Without Copay vs Freedom
Energy Gold Without Copay vs Sarvah Pratham
Energy Gold Without Copay vs Joy Today
Energy Gold Without Copay vs Medi Classic
Energy Gold Without Copay vs Activate Booster Plan B
Energy Gold Without Copay vs Aspire Gold+
Energy Gold Without Copay vs Health Gain
Energy Gold Without Copay vs Aspire Platinum+
Energy Gold Without Copay vs Plus Complete
Energy Gold Without Copay vs Reassure 2.0 Platinum+
Energy Gold Without Copay vs Reassure 3.0 Elite
Energy Gold Without Copay vs Enhance Super Top-up One
Energy Gold Without Copay vs Joy Tomorrow
Energy Gold Without Copay vs Reassure 3.0 Select
Energy Gold Without Copay vs Activ One VIP+
Energy Gold Without Copay vs Red Carpet Senior Citizens
Energy Gold Without Copay vs Super Surplus Gold
Energy Gold Without Copay vs Health SuperCharge
Energy Gold Without Copay vs Medicare Premier
Energy Gold Without Copay vs Family Health Optima
Energy Gold Without Copay vs Health Companion Variant 2022
Energy Gold Without Copay vs Health Companion Variant 3
Energy Gold Without Copay vs Plus Youth
Energy Gold Without Copay vs ProHealth Prime Advantage
Energy Gold Without Copay vs Critical Illness Silver Plan
Energy Gold Without Copay vs Health Premia Gold
Energy Gold Without Copay vs Health Premia Platinum
Energy Gold Without Copay vs Comprehensive
Energy Gold Without Copay vs HeartBeat Enhanced
Energy Gold Without Copay vs Reassure
Energy Gold Without Copay vs Health Recharge Super Top Up Plan
Energy Gold Without Copay vs myHealth Suraksha Platinum
Energy Gold Without Copay vs Supreme Value for Money
Energy Gold Without Copay vs Supreme Enhance Two
Energy Gold Without Copay vs Supreme Senior Super
Energy Gold Without Copay vs Supreme Enhance
Energy Gold Without Copay vs Reassure 2.0 Gold
Energy Gold Without Copay vs Active Fit Preferred
Energy Gold Without Copay vs LifeTime Health
Energy Gold Without Copay vs Medicare
Energy Gold Without Copay vs ProHealth Prime Active
Energy Gold Without Copay vs ProHealth Prime Senior Elite
Energy Gold Without Copay vs Advanced Top Up
Energy Gold Without Copay vs Multiplier Health
Energy Gold Without Copay vs Ultimate (Direct)
Energy Gold Without Copay vs Young Star
Energy Gold Without Copay vs Star Women Care Policy
Energy Gold Without Copay vs Family Plus
Energy Gold Without Copay vs Sarvah Param
Energy Gold Without Copay vs Optima Insurance
Energy Gold Without Copay vs Smart Super Health Assure
Energy Gold Without Copay vs Criti Shield Plus
Energy Gold Without Copay vs Health Care Supreme Ultimo
Energy Gold Without Copay vs Health Shield 360 Retail
Energy Gold Without Copay vs Super Star
Energy Gold Without Copay vs Reassure 3.0 Black
Energy Gold Without Copay vs Health Guard Platinum
Energy Gold Without Copay vs Health Guard Gold
Energy Gold Without Copay vs Elevate (Direct)
Energy Gold Without Copay vs Senior First Platinum
Energy Gold Without Copay vs Extra Care Plus Super Top-up
Energy Gold Without Copay vs Health Care Supreme Smart
Energy Gold Without Copay vs Medi Classic Gold
Energy Gold Without Copay vs Smart Health Pro
Energy Gold Without Copay vs Optima Super Secure
Energy Gold Without Copay vs Special Care
Energy Gold Without Copay vs Optima Secure Global
Energy Gold Without Copay vs Medicare LITE
Energy Gold Without Copay vs Health Shield 360
Energy Gold Without Copay vs NextGen
Energy Gold Without Copay vs SecureHealth
Energy Gold Without Copay vs Energy Silver With Copay
Energy Gold Without Copay vs Supreme (Direct)
Energy Gold Without Copay vs Plus
Energy Gold Without Copay vs Medicare Select
Energy Gold Without Copay vs myHealth Koti Suraksha
Energy Gold Without Copay vs Senior
Energy Gold Without Copay vs myHealth Suraksha Silver
Energy Gold Without Copay vs Cardiac Care Platinum
Energy Gold Without Copay vs Royal Sundaram Lifeline Elite
Energy Gold Without Copay vs HeartBeat Platinum
Energy Gold Without Copay vs Supreme Enhance One
Energy Gold Without Copay vs HeartBeat Gold
Energy Gold Without Copay vs Aspire Titanium+
Energy Gold Without Copay vs iHealth Plus
Energy Gold Without Copay vs Reassure 3.0 Classic
Energy Gold Without Copay vs Senior Health Advantage
Energy Gold Without Copay vs Health Wallet
Energy Gold Without Copay vs Elevate
Energy Gold Without Copay vs Heart
Energy Gold Without Copay vs Reassure 2.0 Titanium+
Energy Gold Without Copay vs Diabetes Safe Plan A
Energy Gold Without Copay vs Reassure 2.0 Bronze+
Energy Gold Without Copay vs Young Star Silver
Energy Gold Without Copay vs Enhance Super Top-up
Energy Gold Without Copay vs Joy
Energy Gold Without Copay vs Supreme Senior Health AdvantEdge
Energy Gold Without Copay vs Supreme Super Saver
Energy Gold Without Copay vs Health Insurance Platinum
Family Health Optima vs Supreme Senior Premium
Family Health Optima vs Energy Silver Without Copay
Family Health Optima vs Ultimate
Family Health Optima vs EquiCover
Family Health Optima vs Optima Secure
Family Health Optima vs Super Mediclaim
Family Health Optima vs Critical Illness Platinum Plan
Family Health Optima vs Health Recharge
Family Health Optima vs Optima Secure Plus
Family Health Optima vs Cancer Cover Activ Cancer Secure Plan
Family Health Optima vs Optima Secure Global Plus
Family Health Optima vs LifeTime Health Global
Family Health Optima vs Women Care
Family Health Optima vs Aspire Diamond+
Family Health Optima vs Activate Booster Plan A
Family Health Optima vs myHealth Medisure Super Top-up
Family Health Optima vs Health Super Saver Standard
Family Health Optima vs Active Care Premier
Family Health Optima vs ProHealth Accumulate
Family Health Optima vs Supreme Shine
Family Health Optima vs Health Cardiac Care Silver & Gold Plan
Family Health Optima vs myHealth Suraksha Gold
Family Health Optima vs Elder Care
Family Health Optima vs Young Star Gold
Family Health Optima vs Assure
Family Health Optima vs Active Fit Plus
Family Health Optima vs Cancer Care Platinum
Family Health Optima vs OneHealth Premium
Family Health Optima vs Optima Lite
Family Health Optima vs ProHealth Prime Protect
Family Health Optima vs Medicare Plus
Family Health Optima vs Activ Health Platinum Essential
Family Health Optima vs Medicare Senior
Family Health Optima vs Enhance Super Top-up Two
Family Health Optima vs Reassure 3.0
Family Health Optima vs Medicare Protect
Family Health Optima vs Activ One SAVR
Family Health Optima vs Active Assure Diamond
Family Health Optima vs Activ One VIP
Family Health Optima vs Health Pulse Classic
Family Health Optima vs Advantage
Family Health Optima vs Mediclaim Insurance Policy
Family Health Optima vs Special Care Gold
Family Health Optima vs Energy Gold Without Copay
Family Health Optima vs Activ One Max
Family Health Optima vs Classic
Family Health Optima vs Activ One Vytl
Family Health Optima vs Supreme
Family Health Optima vs Freedom
Family Health Optima vs Sarvah Pratham
Family Health Optima vs Joy Today
Family Health Optima vs Medi Classic
Family Health Optima vs Activate Booster Plan B
Family Health Optima vs Aspire Gold+
Family Health Optima vs Health Gain
Family Health Optima vs Aspire Platinum+
Family Health Optima vs Plus Complete
Family Health Optima vs Reassure 2.0 Platinum+
Family Health Optima vs Reassure 3.0 Elite
Family Health Optima vs Enhance Super Top-up One
Family Health Optima vs Joy Tomorrow
Family Health Optima vs Reassure 3.0 Select
Family Health Optima vs Activ One VIP+
Family Health Optima vs Red Carpet Senior Citizens
Family Health Optima vs Super Surplus Gold
Family Health Optima vs Health SuperCharge
Family Health Optima vs Medicare Premier
Family Health Optima vs Health Companion Variant 2022
Family Health Optima vs Health Companion Variant 3
Family Health Optima vs Plus Youth
Family Health Optima vs ProHealth Prime Advantage
Family Health Optima vs Critical Illness Silver Plan
Family Health Optima vs Health Premia Gold
Family Health Optima vs Health Premia Platinum
Family Health Optima vs Comprehensive
Family Health Optima vs HeartBeat Enhanced
Family Health Optima vs Reassure
Family Health Optima vs Health Recharge Super Top Up Plan
Family Health Optima vs myHealth Suraksha Platinum
Family Health Optima vs Supreme Value for Money
Family Health Optima vs Supreme Enhance Two
Family Health Optima vs Supreme Senior Super
Family Health Optima vs Supreme Enhance
Family Health Optima vs Reassure 2.0 Gold
Family Health Optima vs Active Fit Preferred
Family Health Optima vs LifeTime Health
Family Health Optima vs Medicare
Family Health Optima vs ProHealth Prime Active
Family Health Optima vs ProHealth Prime Senior Elite
Family Health Optima vs Advanced Top Up
Family Health Optima vs Multiplier Health
Family Health Optima vs Ultimate (Direct)
Family Health Optima vs Young Star
Family Health Optima vs Star Women Care Policy
Family Health Optima vs Family Plus
Family Health Optima vs Sarvah Param
Family Health Optima vs Optima Insurance
Family Health Optima vs Smart Super Health Assure
Family Health Optima vs Criti Shield Plus
Family Health Optima vs Health Care Supreme Ultimo
Family Health Optima vs Health Shield 360 Retail
Family Health Optima vs Super Star
Family Health Optima vs Reassure 3.0 Black
Family Health Optima vs Health Guard Platinum
Family Health Optima vs Health Guard Gold
Family Health Optima vs Elevate (Direct)
Family Health Optima vs Senior First Platinum
Family Health Optima vs Extra Care Plus Super Top-up
Family Health Optima vs Health Care Supreme Smart
Family Health Optima vs Medi Classic Gold
Family Health Optima vs Smart Health Pro
Family Health Optima vs Optima Super Secure
Family Health Optima vs Special Care
Family Health Optima vs Optima Secure Global
Family Health Optima vs Medicare LITE
Family Health Optima vs Health Shield 360
Family Health Optima vs NextGen
Family Health Optima vs SecureHealth
Family Health Optima vs Energy Silver With Copay
Family Health Optima vs Supreme (Direct)
Family Health Optima vs Plus
Family Health Optima vs Medicare Select
Family Health Optima vs myHealth Koti Suraksha
Family Health Optima vs Senior
Family Health Optima vs myHealth Suraksha Silver
Family Health Optima vs Cardiac Care Platinum
Family Health Optima vs Royal Sundaram Lifeline Elite
Family Health Optima vs HeartBeat Platinum
Family Health Optima vs Supreme Enhance One
Family Health Optima vs HeartBeat Gold
Family Health Optima vs Aspire Titanium+
Family Health Optima vs iHealth Plus
Family Health Optima vs Reassure 3.0 Classic
Family Health Optima vs Senior Health Advantage
Family Health Optima vs Health Wallet
Family Health Optima vs Elevate
Family Health Optima vs Heart
Family Health Optima vs Reassure 2.0 Titanium+
Family Health Optima vs Diabetes Safe Plan A
Family Health Optima vs Reassure 2.0 Bronze+
Family Health Optima vs Young Star Silver
Family Health Optima vs Enhance Super Top-up
Family Health Optima vs Joy
Family Health Optima vs Supreme Senior Health AdvantEdge
Family Health Optima vs Supreme Super Saver
Family Health Optima vs Health Insurance Platinum
Related Blogs
Making Health Insurance Affordable: Is EMI Really the Best Way?
February 4, 2026 | OneAssure Team
Read MoreInsurance in 2026: Great for Your Wallet, But What’s Still Missing?
February 1, 2026 | OneAssure Team
Read MoreHow India’s Budget 2026 Could Shape the Future of Insurance - A Young Earner’s Guide.
February 1, 2026 | OneAssure Team
Read More.png)
Pre-Existing Disease in Health Insurance: All You Need to Know Before Buying
November 17, 2025 | Mahak Chauhan
Read More
Oneassure
Health Insurance
Compare Health Insurance Plans
Energy Gold Without Copay Vs Family Health Optima
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.