Insurance Plans Comparison
Star Super Surplus Gold vs HDFC ERGO Energy Silver With Copay
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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Super Surplus Gold
Star Health Super Surplus Gold Plan
What Makes It Special:
Star Super Surplus is a floater top-up policy intended to provide additional health protection after eligible hospitalisation expenses cross the selected deductible or defined limit. The Gold Plan offers high Sum Insured choices, single private A/C room eligibility, maternity benefits, organ donor expenses, AYUSH treatment and a recharge benefit.
Best For:
Policyholders wanting additional protection beyond a base health plan
Customers seeking a Gold Plan maternity benefit
Families looking for a floater top-up plan
Customers wanting high Sum Insured with a defined limit
Families seeking additional top-up protection
VS
Energy Silver With Copay
HDFC ERGO Energy Silver Plan
What Makes It Special:
Energy Silver focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.
Best For:
Day-one coverage, no waiting period
Reward-based health insurance plan
Comprehensive wellness-focused protection
Dedicated diabetes and hypertension coverage
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
The policy offers lifelong renewals.
Gold Plan provides a defined maternity benefit after the waiting period.
Recharge Benefit can provide additional indemnity after exhaustion or excess of Sum Insured.
The policy is available on a family floater basis.
Gold Plan Sum Insured options extend up to ₹1 Crore.
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
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Super Surplus Gold Health Insurance Plan VS VS |
Energy Silver With Copay Health Insurance Plan |
| Room Rent |
|---|
Super Surplus Gold Single Private A/C Room |
VS VS |
Energy Silver With Copay All room categories are covered |
| ICU Charges |
|---|
Super Surplus Gold Covered as part of hospitalisation |
VS VS |
Energy Silver With Copay No restriction on ICU room rent |
| Co-payment |
|---|
Super Surplus Gold Not specified as a standard co-payment |
VS VS |
Energy Silver With Copay Available as an option |
| Disease-wise sublimits |
|---|
Super Surplus Gold Specific limits and defined limits apply |
VS VS |
Energy Silver With Copay No |
| Cashless Healthcare Providers |
|---|
Super Surplus Gold Cashless treatment through network hospitals |
VS VS |
Energy Silver With Copay 15,000+ Healthcare Providers |
| Restoration Benefit |
|---|
Super Surplus Gold Recharge Benefit available once for the remaining policy period |
VS VS |
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 |
| Cumulative Bonus |
|---|
Super Surplus Gold Not specified |
VS VS |
Energy Silver With Copay Your sum insured increases by 10% every year, maximum up to 100% |
| Daycare Treatment |
|---|
Super Surplus Gold All daycare procedures covered |
VS VS |
Energy Silver With Copay Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Consumable Cover |
|---|
Super Surplus Gold Not specified |
VS VS |
Energy Silver With Copay Yes |
| AYUSH Treatment |
|---|
Super Surplus Gold Covered up to Sum Insured |
VS VS |
Energy Silver With Copay Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Initial Waiting Period |
|---|
Super Surplus Gold 30 Days, subject to policy terms |
VS VS |
Energy Silver With Copay 30 days |
| Specific Waiting Period |
|---|
Super Surplus Gold 12 Months for Gold Plan specified diseases and procedures |
VS VS |
Energy Silver With Copay 2 years |
| PED Waiting Period |
|---|
Super Surplus Gold 12 Months for Gold Plan PEDs |
VS VS |
Energy Silver With Copay 2 years |
| Modern Treatment |
|---|
Super Surplus Gold Covered subject to applicable limits |
VS VS |
Energy Silver With Copay Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Super Surplus Gold Not specified |
VS VS |
Energy Silver With Copay Health check-up is available twice every policy year, from day 1 of the policy |
| Pre-Hospitalisation |
|---|
Super Surplus Gold Up to 60 Days |
VS VS |
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 |
| Post-Hospitalisation |
|---|
Super Surplus Gold Up to 90 Days |
VS VS |
Energy Silver With Copay You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
Super Surplus Gold Not a standard OPD benefit |
VS VS |
Energy Silver With Copay OPD expense is not included |
| Deductible Option |
|---|
Super Surplus Gold Defined Limit applies to aggregate eligible hospitalisation expenses |
VS VS |
Energy Silver With Copay Not available |
| Coverage Options |
|---|
Super Surplus Gold ₹5 Lakh to ₹1 Crore for Gold Plan |
VS VS |
Energy Silver With Copay Available coverage options: ₹2L, 3L, 5L, 10L, 20L, 25L, 50L |
| Claim Settlement Ratio |
|---|
Super Surplus Gold Not specified |
VS VS |
Energy Silver With Copay 95% |
| Maternity Cover |
|---|
Super Surplus Gold Delivery expenses up to ₹50,000 per policy period, maximum two deliveries, subject to 12-month wait and conditions |
VS VS |
Energy Silver With Copay Not available |
Insurance Plans Comparison
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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
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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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