Insurance Plans Comparison
Star Star Women Care Policy vs HDFC ERGO Energy Silver With Copay
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreWhat Makes It Special:
Star Women Care Policy is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.
Best For:
Wellness-linked, preventive care insurance
Automatic sum insured restoration
Premium maternity and newborn care
Comprehensive women’s family health 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
You prefer no medical check-up before purchase
You enjoy earning wellness points and premium discounts
You need surrogacy and oocyte donor coverage
You want automatic sum insured restoration after a claim
You value OPD consultations and yearly health check-ups
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
 Star Women Care Policy Health Insurance Plan VS VS |
Energy Silver With Copay Health Insurance Plan |
| Room Rent |
|---|
Star Women Care Policy Up to 1% of SI (₹5L); Single AC up to ₹25L; any room above ₹50L |
VS VS |
Energy Silver With Copay All room categories are covered |
| ICU Charges |
|---|
Star Women Care Policy No restriction on ICU room rent |
VS VS |
Energy Silver With Copay No restriction on ICU room rent |
| Disease-wise sublimits |
|---|
Star Women Care Policy No |
VS VS |
Energy Silver With Copay No |
| Co-payment |
|---|
Star Women Care Policy Yes (subject to co-payment of 10% for insured person whose age at the time of entry is 61 years and above) |
VS VS |
Energy Silver With Copay Available as an option |
| Restoration Benefit |
|---|
Star Women Care Policy 100% once after full/partial utilization in a year |
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 |
| Cashless Healthcare Providers |
|---|
Star Women Care Policy 13000+ Healthcare Providers |
VS VS |
Energy Silver With Copay 15,000+ Healthcare Providers |
| Cumulative Bonus |
|---|
Star Women Care Policy 20% each year, up to 100% |
VS VS |
Energy Silver With Copay Your sum insured increases by 10% every year, maximum up to 100% |
| Daycare Treatment |
|---|
Star Women Care Policy Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
Energy Silver With Copay Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Consumable Cover |
|---|
Star Women Care Policy Yes |
VS VS |
Energy Silver With Copay Yes |
| AYUSH Treatment |
|---|
Star Women Care Policy Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Energy Silver With Copay Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Initial Waiting Period |
|---|
Star Women Care Policy 30 days. |
VS VS |
Energy Silver With Copay 30 days |
| Specific Waiting Period |
|---|
Star Women Care Policy 2 years |
VS VS |
Energy Silver With Copay 2 years |
| PED Waiting Period |
|---|
Star Women Care Policy 3 years |
VS VS |
Energy Silver With Copay 2 years |
| Modern Treatment |
|---|
Star Women Care Policy Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
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 |
|---|
Star Women Care Policy Health check-up is available once every policy year, from day 1 of the policy |
VS VS |
Energy Silver With Copay Health check-up is available twice every policy year, from day 1 of the policy |
| Pre-Hospitalisation |
|---|
Star Women Care Policy You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
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 |
|---|
Star Women Care Policy You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it |
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) |
|---|
Star Women Care Policy OPD is available |
VS VS |
Energy Silver With Copay OPD expense is not included |
| Deductible Option |
|---|
Star Women Care Policy Not Available |
VS VS |
Energy Silver With Copay Not available |
| Coverage Options |
|---|
Star Women Care Policy Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L,₹1 Cr |
VS VS |
Energy Silver With Copay Available coverage options: ₹2L, 3L, 5L, 10L, 20L, 25L, 50L |
| Claim Settlement Ratio |
|---|
Star Women Care Policy 82.31% |
VS VS |
Energy Silver With Copay 95% |
| Maternity Cover |
|---|
Star Women Care Policy Available |
VS VS |
Energy Silver With Copay 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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Star Women Care Policy Vs Energy Silver With Copay
