Insurance Plans Comparison
HDFC ERGO Energy Gold Without Copay vs Star Health Gain
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
Health Gain
Cover inpatient hospital bills and outpatient treatment at networked facilities in India, and carry unused outpatient benefit into the next policy year on renewal, for that one following year only.
What Makes It Special:
Inpatient Hospitalisation and Outpatient Medical Expenses
Best For:
Customers looking for daycare and eligible AYUSH treatment coverage.
Customers who use outpatient services at networked facilities.
Customers seeking flexible Sum Insured options.
Families looking for Individual or Family Floater coverage.
Individuals seeking inpatient and outpatient health insurance benefits.
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 treatment-specific sublimits.
Review the pre- and post-hospitalisation benefit periods.
Check the selected OPD benefit limit.
Understand the waiting periods for pre-existing diseases and specified treatments.
Review the co-payment applicable to entry age 61 and above.
Check the room rent limit.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Energy Gold Without Copay Health Insurance Plan VS VS |
Health Gain Health Insurance Plan |
| Room Rent |
|---|
Energy Gold Without Copay
|
VS VS |
Health Gain
|
| ICU Charges |
|---|
Energy Gold Without Copay Not specified |
VS VS |
Health Gain Covered as part of eligible hospitalisation expenses. |
| Advanced Treatments |
|---|
Energy Gold Without Copay
|
VS VS |
Health Gain Information Unavailable |
| Co-payment |
|---|
Energy Gold Without Copay No copayment |
VS VS |
Health Gain 20% for insured persons whose age at entry is 61 years and above. |
| Disease-wise sublimits |
|---|
Energy Gold Without Copay Information Unavailable |
VS VS |
Health Gain Sublimits apply to specified treatments, including cataract and listed modern treatments. |
| Cashless Healthcare Providers |
|---|
Energy Gold Without Copay 16,000 cashless healthcare providers. |
VS VS |
Health Gain Cashless treatment is available at eligible network hospitals, subject to pre-authorisation. |
| 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 |
Health Gain Not specified. |
| Cumulative Bonus |
|---|
Energy Gold Without Copay Stated as available; the bonus percentage, cap and conditions are Not specified. |
VS VS |
Health Gain Not specified. |
| Daycare Treatment |
|---|
Energy Gold Without Copay Covered under the policy. |
VS VS |
Health Gain Eligible daycare procedures are covered, subject to policy terms. |
| AYUSH Treatment |
|---|
Energy Gold Without Copay Covered under this policy |
VS VS |
Health Gain Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered, subject to policy terms. |
| Consumable Cover |
|---|
Energy Gold Without Copay Information Unavailable |
VS VS |
Health Gain 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 |
Health Gain 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 VS |
Health Gain 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 |
Health Gain 36 months for pre-existing diseases. |
| Modern Treatment |
|---|
Energy Gold Without Copay Not specified |
VS VS |
Health Gain Specified modern treatments are covered, subject to policy 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 VS |
Health Gain Not specified. |
| Pre-Hospitalisation |
|---|
Energy Gold Without Copay 30 days |
VS VS |
Health Gain Covered for up to 30 days before hospital admission. |
| Post-Hospitalisation |
|---|
Energy Gold Without Copay 60 days |
VS VS |
Health Gain Covered for up to 60 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 |
Health Gain Available at networked facilities in India, up to the selected benefit limit. |
| Deductible Option |
|---|
Energy Gold Without Copay Not specified |
VS VS |
Health Gain Not specified. |
| Coverage Options |
|---|
Energy Gold Without Copay Individual only — no family floater option |
VS VS |
Health Gain Individual and Family Floater. |
| Claim Settlement Ratio |
|---|
Energy Gold Without Copay 97.45% |
VS VS |
Health Gain Insurer-level metric, not a policy benefit. |
| Maternity Cover |
|---|
Energy Gold Without Copay Not covered — pregnancy is excluded |
VS VS |
Health Gain Maternity expenses are excluded, except for the specified ectopic pregnancy exception. |
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
Health Gain vs Supreme Senior Premium
Health Gain vs Energy Silver Without Copay
Health Gain vs Ultimate
Health Gain vs EquiCover
Health Gain vs Optima Secure
Health Gain vs Super Mediclaim
Health Gain vs Critical Illness Platinum Plan
Health Gain vs Health Recharge
Health Gain vs Optima Secure Plus
Health Gain vs Cancer Cover Activ Cancer Secure Plan
Health Gain vs Optima Secure Global Plus
Health Gain vs LifeTime Health Global
Health Gain vs Women Care
Health Gain vs Aspire Diamond+
Health Gain vs Activate Booster Plan A
Health Gain vs myHealth Medisure Super Top-up
Health Gain vs Health Super Saver Standard
Health Gain vs Active Care Premier
Health Gain vs ProHealth Accumulate
Health Gain vs Supreme Shine
Health Gain vs Health Cardiac Care Silver & Gold Plan
Health Gain vs myHealth Suraksha Gold
Health Gain vs Elder Care
Health Gain vs Young Star Gold
Health Gain vs Assure
Health Gain vs Active Fit Plus
Health Gain vs Cancer Care Platinum
Health Gain vs OneHealth Premium
Health Gain vs Optima Lite
Health Gain vs ProHealth Prime Protect
Health Gain vs Medicare Plus
Health Gain vs Activ Health Platinum Essential
Health Gain vs Medicare Senior
Health Gain vs Enhance Super Top-up Two
Health Gain vs Reassure 3.0
Health Gain vs Medicare Protect
Health Gain vs Activ One SAVR
Health Gain vs Active Assure Diamond
Health Gain vs Activ One VIP
Health Gain vs Health Pulse Classic
Health Gain vs Advantage
Health Gain vs Mediclaim Insurance Policy
Health Gain vs Special Care Gold
Health Gain vs Energy Gold Without Copay
Health Gain vs Activ One Max
Health Gain vs Classic
Health Gain vs Activ One Vytl
Health Gain vs Supreme
Health Gain vs Freedom
Health Gain vs Sarvah Pratham
Health Gain vs Joy Today
Health Gain vs Medi Classic
Health Gain vs Activate Booster Plan B
Health Gain vs Aspire Gold+
Health Gain vs Aspire Platinum+
Health Gain vs Plus Complete
Health Gain vs Reassure 2.0 Platinum+
Health Gain vs Reassure 3.0 Elite
Health Gain vs Enhance Super Top-up One
Health Gain vs Joy Tomorrow
Health Gain vs Reassure 3.0 Select
Health Gain vs Activ One VIP+
Health Gain vs Red Carpet Senior Citizens
Health Gain vs Super Surplus Gold
Health Gain vs Health SuperCharge
Health Gain vs Medicare Premier
Health Gain vs Family Health Optima
Health Gain vs Health Companion Variant 2022
Health Gain vs Health Companion Variant 3
Health Gain vs Plus Youth
Health Gain vs ProHealth Prime Advantage
Health Gain vs Critical Illness Silver Plan
Health Gain vs Health Premia Gold
Health Gain vs Health Premia Platinum
Health Gain vs Comprehensive
Health Gain vs HeartBeat Enhanced
Health Gain vs Reassure
Health Gain vs Health Recharge Super Top Up Plan
Health Gain vs myHealth Suraksha Platinum
Health Gain vs Supreme Value for Money
Health Gain vs Supreme Enhance Two
Health Gain vs Supreme Senior Super
Health Gain vs Supreme Enhance
Health Gain vs Reassure 2.0 Gold
Health Gain vs Active Fit Preferred
Health Gain vs LifeTime Health
Health Gain vs Medicare
Health Gain vs ProHealth Prime Active
Health Gain vs ProHealth Prime Senior Elite
Health Gain vs Advanced Top Up
Health Gain vs Multiplier Health
Health Gain vs Ultimate (Direct)
Health Gain vs Young Star
Health Gain vs Star Women Care Policy
Health Gain vs Family Plus
Health Gain vs Sarvah Param
Health Gain vs Optima Insurance
Health Gain vs Smart Super Health Assure
Health Gain vs Criti Shield Plus
Health Gain vs Health Care Supreme Ultimo
Health Gain vs Health Shield 360 Retail
Health Gain vs Super Star
Health Gain vs Reassure 3.0 Black
Health Gain vs Health Guard Platinum
Health Gain vs Health Guard Gold
Health Gain vs Elevate (Direct)
Health Gain vs Senior First Platinum
Health Gain vs Extra Care Plus Super Top-up
Health Gain vs Health Care Supreme Smart
Health Gain vs Medi Classic Gold
Health Gain vs Smart Health Pro
Health Gain vs Optima Super Secure
Health Gain vs Special Care
Health Gain vs Optima Secure Global
Health Gain vs Medicare LITE
Health Gain vs Health Shield 360
Health Gain vs NextGen
Health Gain vs SecureHealth
Health Gain vs Energy Silver With Copay
Health Gain vs Supreme (Direct)
Health Gain vs Plus
Health Gain vs Medicare Select
Health Gain vs myHealth Koti Suraksha
Health Gain vs Senior
Health Gain vs myHealth Suraksha Silver
Health Gain vs Cardiac Care Platinum
Health Gain vs Royal Sundaram Lifeline Elite
Health Gain vs HeartBeat Platinum
Health Gain vs Supreme Enhance One
Health Gain vs HeartBeat Gold
Health Gain vs Aspire Titanium+
Health Gain vs iHealth Plus
Health Gain vs Reassure 3.0 Classic
Health Gain vs Senior Health Advantage
Health Gain vs Health Wallet
Health Gain vs Elevate
Health Gain vs Heart
Health Gain vs Reassure 2.0 Titanium+
Health Gain vs Diabetes Safe Plan A
Health Gain vs Reassure 2.0 Bronze+
Health Gain vs Young Star Silver
Health Gain vs Enhance Super Top-up
Health Gain vs Joy
Health Gain vs Supreme Senior Health AdvantEdge
Health Gain vs Supreme Super Saver
Health Gain 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
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.