Insurance Plans Comparison
HDFC ERGO Energy Silver Without Copay vs Star Young Star Gold
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreEnergy Silver Without Copay
Cover diabetes and hypertension from day one with no co-pay, pay for your own wellness tests, and get a one-time 100% restore plus 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 keeps claims free of co-payment while holding...
Best For:
Buyers who intend to participate in the wellness programme for the renewal discount even though they pay for the tests themselves
People who expect a sizeable hospitalisation, where a 20% co-payment would be costly in absolute terms
Buyers who prioritise full claim settlement over bundled wellness benefits when choosing between the four configurations
Buyers who already get HbA1c and lipid monitoring through an employer scheme or pay for it themselves and do not need the test cost bundled in
Individuals diagnosed with diabetes or hypertension who want day-one cover for that condition without contributing a share of each claim
VS
Young Star Gold
Get up to ₹30,000 per delivery, for two deliveries after you and your spouse have both been covered for 36 months, plus ₹1,000 a hospital day after a one-day deductible, up to 7 days a stay and 14 a year.
What Makes It Special:
Star Young Star Gold is a smart health insurance plan designed for young adults, offering sum insured options from ₹3 lakh up to ₹1 crore. The plan covers hospitalization, daycare procedures, pre and post-hospitalization expenses, and provides cashless treatment across a wide hospital network. It features no pre-acceptance medical screening,...
Best For:
Young families using a floater policy
Customers wanting automatic restoration
Flexible payment and coverage options
Comprehensive high-limit individual and floater
Smart young adult health protection
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.
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.
You still need to undergo the wellness tests to earn reward points and the renewal discount of up to 25%, so factor the test cost into your running cost of the policy.
Compare it against the Silver plan with co-payment by calculating 20% of a realistic claim at your sum insured, because that is the amount the extra premium here buys out.
Compare this against the Gold plan without co-payment by pricing the two wellness tests locally, since the only stated difference between the plans is who bears that cost.
You seek automatic sum insured restoration
You enjoy wellness rewards and teleconsultations
You value maternity and newborn benefits included
You want cashless treatments at many hospitals
You prefer no medical screening for easy entry
You want broad coverage up to ₹1 crore
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Energy Silver Without Copay Health Insurance Plan VS VS |
![]() Young Star Gold Health Insurance Plan |
| Room Rent |
|---|
Energy Silver Without Copay
|
VS VS |
Young Star Gold Single Private Room is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category |
| ICU Charges |
|---|
Energy Silver Without Copay Not specified. |
VS VS |
Young Star Gold No restriction on ICU room rent |
| Advanced Treatments |
|---|
Energy Silver Without Copay Includes modern medical procedures like robotic surgery, organ transplants, and advanced cancer treatments for enhanced healthcare access. |
VS VS |
Young Star Gold Information Unavailable |
| Disease-wise sublimits |
|---|
Energy Silver Without Copay Not specified |
VS VS |
Young Star Gold Yes, certain diseases have coverage limits |
| Co-payment |
|---|
Energy Silver Without Copay No copayments. Mentioned in the name of the policy itself. |
VS VS |
Young Star Gold Not Available |
| Waiting Period |
|---|
Energy Silver Without Copay
|
VS VS |
Young Star Gold Information Unavailable |
| Restoration Benefit |
|---|
Energy Silver Without Copay Restore Benefit stated as available; the restoration amount, number of restorations and conditions are Not specified in the available literature |
VS VS |
Young Star Gold Sum insured restores to 100% after each claim during the policy year |
| Cashless Healthcare Providers |
|---|
Energy Silver Without Copay 16,000 cashless healthcare providers. |
VS VS |
Young Star Gold 13000+ Healthcare Providers |
| Cumulative Bonus |
|---|
Energy Silver Without Copay Not covered — non-medical expenses are excluded |
VS VS |
Young Star Gold Sum insured increases by 20% every year, up to 100% max |
| Daycare Treatment |
|---|
Energy Silver Without Copay Covered under the policy. |
VS VS |
Young Star Gold Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Consumable Cover |
|---|
Energy Silver Without Copay Not covered — non-medical expenses are excluded |
VS VS |
Young Star Gold Yes |
| AYUSH Treatment |
|---|
Energy Silver Without Copay Covered under this policy |
VS VS |
Young Star Gold Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Initial Waiting Period |
|---|
Energy Silver Without Copay Not specified. No waiting period applies to hospitalisation arising out of diabetes or hypertension |
VS VS |
Young Star Gold 30 days. |
| Specific Waiting Period |
|---|
Energy Silver Without Copay 24 months for specified diseases including cataract, hernia, joint replacement surgeries and surgery of hydrocele |
VS VS |
Young Star Gold 1 year |
| PED Waiting Period |
|---|
Energy Silver 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 |
Young Star Gold 1 year |
| Modern Treatment |
|---|
Energy Silver Without Copay Not specified. |
VS VS |
Young Star Gold Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Energy Silver Without Copay Two wellness tests per policy year are available, but their cost is excluded under the Silver plan and borne by the insured |
VS VS |
Young Star Gold Health check-up is available once every policy year, from day 1 of the policy |
| Pre-Hospitalisation |
|---|
Energy Silver Without Copay Information Unavailable |
VS VS |
Young Star Gold You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Energy Silver Without Copay 60 days |
VS VS |
Young Star Gold You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
Energy Silver 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 |
Young Star Gold Not covered under base plan (available as add-on) |
| Deductible Option |
|---|
Energy Silver Without Copay Not specified |
VS VS |
Young Star Gold Available as an option |
| Coverage Options |
|---|
Energy Silver Without Copay Individual only — no family floater option |
VS VS |
Young Star Gold Available coverage options:₹3L, ₹5L, 10L, 15L, 20L, 25L, 50L, 75L and 1 Cr |
| Claim Settlement Ratio |
|---|
Energy Silver Without Copay Information Unavailable |
VS VS |
Young Star Gold 82.31% |
| Maternity Cover |
|---|
Energy Silver Without Copay Not covered — pregnancy is excluded |
VS VS |
Young Star Gold Available |
Insurance Plans Comparison
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