Policy compare
Compare two plans side-by-side
Compare real policy features side-by-side and quickly spot where one plan is stronger.
| Feature | HDFC Ergo - Energy (Gold) | ICICI Lombard - Elevate (Value) |
|---|---|---|
| Room Rent Limit | Capped | NA |
| Co-Pay | Yes | NA |
| Initial Waiting (Days) | 30 | NA |
| Specific Disease Waiting (Years) | 2 | NA |
| Pre-existing Disease Waiting (Years) | 2 | 1 |
| Domiciliary | Yes | NA |
| Organ Donor Cover | No (Covered up to: sum insured) | NA |
| Modern Treatments | Yes (Covered up to: sum insured) | NA |
| Refill on Exhaustion | Available | Available |
| Refill Illness Applicability | Related and unrelated illness | Related and unrelated illness |
| Refill Trigger | Partial exhaustion of Sum Insured | Partial exhaustion of Sum Insured |
| Refill Limit | Once in a policy year | Unlimited times in a policy year |
| Refill Applicable Claim | First paid claim | Subsequent claims |
| Bonus Max Limit | 100% | NA |
| Reduction in Bonus on Claim | No reduction | NA |
| % Settled < 30 Days | 96.63% | 99.94% |
| % Complaints on Claims | 0.15% | 0.14% |
| Incurred Claim Ratio | 87.04% | 85.53% |
| Claim Settlement Ratio (No.) | 95.19% | 82.79% |
| Claim Settlement Ratio (Value) | 77.69% | 63.92% |
| Claim Rejection Ratio | 2.47% | 14.11% |
| Cashless Hospitals | 15,000+ | 10,700+ |
| Plan Type | Individual | Individual |