Policy compare
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Compare real policy features side-by-side and quickly spot where one plan is stronger.
| Feature | Acko - Standard Health Insurance | HDFC Ergo - Energy (Gold) |
|---|---|---|
| Room Rent Limit | No limit | Capped |
| ICU Limit | No limit | NA |
| Co-Pay | No | Yes |
| Disease Sub-limit | No | NA |
| Initial Waiting (Days) | 30 | 30 |
| Specific Disease Waiting (Years) | 2 | 2 |
| Pre-existing Disease Waiting (Years) | 3 | 2 |
| Pre-Hospitalisation | 60 days (Covered up to: sum insured) | NA |
| Post-Hospitalisation | 120 days (Covered up to: sum insured) | NA |
| Daycare Procedures | Yes | NA |
| Domiciliary | Yes (Covered up to: sum insured) | Yes |
| Organ Donor Cover | Yes (Covered up to: sum insured) | No (Covered up to: sum insured) |
| Modern Treatments | Yes | Yes (Covered up to: sum insured) |
| Refill on Exhaustion | Available | Available |
| Refill Illness Applicability | Unrelated illness | Related and unrelated illness |
| Refill Trigger | Partial exhaustion of Sum Insured | Partial exhaustion of Sum Insured |
| Refill Limit | Unlimited times in a policy year | Once in a policy year |
| Refill Applicable Claim | Subsequent claims | First paid claim |
| Consumables | Yes | NA |
| Bonus Rate | 10% | NA |
| Bonus Max Limit | 100% | 100% |
| Reduction in Bonus on Claim | No reduction | No reduction |
| % Settled < 30 Days | 99.66% | 96.63% |
| % Complaints on Claims | 0.16% | 0.15% |
| Incurred Claim Ratio | 58.43% | 87.04% |
| Claim Settlement Ratio (No.) | 92.44% | 95.19% |
| Claim Settlement Ratio (Value) | 81.11% | 77.69% |
| Claim Rejection Ratio | 4.24% | 2.47% |
| Cashless Hospitals | 11,500+ | 15,000+ |
| Affordability | Affordable | NA |
| Plan Type | Individual | Individual |