Policy compare
Compare two plans side-by-side
Compare real policy features side-by-side and quickly spot where one plan is stronger.
| Feature | Care - Insurance Ultimate Care | HDFC Ergo - Energy (Gold) |
|---|---|---|
| Room Rent Limit | No limit | Capped |
| ICU Limit | No limit | NA |
| Co-Pay | NA | Yes |
| Initial Waiting (Days) | NA | 30 |
| Specific Disease Waiting (Years) | 2 | 2 |
| Pre-existing Disease Waiting (Years) | 1 | 2 |
| Daycare Procedures | Yes | NA |
| Domiciliary | Yes (Covered up to: sum insured) | Yes |
| Organ Donor Cover | No (Covered up to: sum insured) | No (Covered up to: sum insured) |
| Modern Treatments | NA | Yes (Covered up to: sum insured) |
| Refill on Exhaustion | Available | Available |
| Refill Illness Applicability | Related and unrelated illness | Related and unrelated illness |
| Refill Trigger | NA | 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 | 50% | NA |
| Bonus Max Limit | NA | 100% |
| Reduction in Bonus on Claim | NA | No reduction |
| % Settled < 30 Days | Quick | 96.63% |
| % Complaints on Claims | 0.47% | 0.15% |
| Incurred Claim Ratio | 66.28% | 87.04% |
| Claim Settlement Ratio (No.) | 95.19% | 95.19% |
| Claim Settlement Ratio (Value) | 87.97% | 77.69% |
| Claim Rejection Ratio | 3.10% | 2.47% |
| Cashless Hospitals | 22,100+ | 15,000+ |
| Affordability | Expensive | NA |
| Plan Type | Individual | Individual |