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HDFC ERGO Energy Health Insurance

526 reviews Rate This
HDFC ERGO Health Insurance
Energy
Cashless Approval TATWithin 37 mins
Claim Settlement Ratio99.80%
Network Hospitals13,000+
PED Coverage Starting From3 year
Special Benefits2X Cover from Day 1
Starting Premium Rs. 1090/month

About HDFC ERGO Energy Health Insurance

Energy Plan by HDFC ERGO General Insurance is an insurance and personalised management plan for diabetic patients. Apart from being a part of the wellness management program for individuals, this plan is a health insurance product for individuals suffering from diabetes Type 1, diabetes mellitus Type 2, pre-diabetes (IFG, IGT) or hypertension.

The Energy plan comes with two variants – Gold & Silver. Both the variants are available with co-payment options. You will have to bear 20% of the claim amount payable. Under the Gold segment, HDFC ERGO General Insurance conducts your medical check-up twice in a policy period at its own costs. On the contrary, to avail Wellness Benefit under the Silver segment, you need to undergo a medical check-up twice in a policy period at your own cost at a diagnostic center approved by HDFC ERGO General Insurance.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Medical expenses for as many as 144 daycare procedures, enlisted in the policy documents
  • Emergency ambulance up to Rs. 2000 per hospitalisation for transporting the insured person to a hospital in an emergency
  • Up to 25% wellness discount based on management of disease through wellness programme
  • Cover for medical expenses to harvest the organ from the donor for organ transplantation
  • Coverage includes in-patient treatment, pre-hospitalisation (up to 30 days) and post-hospitalisation (up to 60 days)

What's Not Included

  • Injuries due to war, nuclear, chemical and biological weapons, breach of law with criminal intent, etc.
  • Cosmetic surgery unless required due to cancer, an accident, burns or any non-allopathic treatment are excluded
  • Psychiatric, congenital disorders, mental disorders, external diseases, defects, genetic disorders or anomalies
  • Birth control, vicarious pregnancy, surgery for nasal septum deviation, circumcisions
  • Expenses arising from the treatment of HIV or AIDS or other related diseases

9552 HDFC ERGO Cashless Network Hospitals in India

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Energy User Reviews

4.7
Rating based on
526 User reviews
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What users are saying
  • All
  • Amazing coverage features

    My HDFC ERGO Energy that I recently bought at InsuranceDekho offers me many coverage benefits. I was able to buy the policy easily at the portal by following a few easy steps.

    Read More

    H
    By Hitesh Narang
    On: Aug 08, 2023
  • Finding relevant information w...

    InsuranceDekho is a user-friendly website where finding relevant policy information is simple. I wanted a health plan that had Diabetes coverage, So I chalked out my requirements and based on it, I started to compare the offered quotes. Finally, I came across the Energy plan by HDFC Ergo General Insurance. 

    Read More

    S
    By Senjuti Das
    On: Mar 09, 2021
  • Instant quotes

    When I came to InsuranceDekho, I got requested to check my quotes. I filled in some basic information and instantly my quotes were generated. Using the premium calculator, I started comparing them and found HDFC Ergo General Insurance’s Energy plan.

    Read More

    A
    By Abhishek Malhotra
    On: Feb 16, 2021
  • Easy policy comparison

    InsuranceDekho has profound information on a wide range of policies, yet comparing them based on the key features was easy. I wanted a health plan that covered diabetes. After comparing a number of plans, I chose HDFC Ergo General Insurance’s Energy Plan. I am satisfied with my selection.

    Read More

    J
    By Janhavi Chaturvedi
    On: Feb 09, 2021
  • 5 minutes policy issuance

    Issuing my HDFC Ergo General Insurance’s Energy Plan was a seamless experience on InsuranceDekho. It took me 5 minutes to get my policy issued. I gave my details, selected the plan and made the payment. I received the policy documents via email almost immediately.

    Read More

    F
    By Farukh Srivastav
    On: Jan 05, 2021
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HDFC ERGO Energy Brochure

  • 1.10 MB
  • PDF Document
  • Nov 09, 2020
Download PDF

Claim Process at HDFC ERGO Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Energy Health Insurance Plan

  • Who can buy HDFC ERGO Health's Energy Plan?

    Anyone suffering from Diabetes Type 1, Diabetes mellitus Type 2 and pre-diabetes (IFG, IGT) and/ or hypertension should buy the HDFC ERGO Health's Energy Plan.

  • I am living a standard life. Should I buy the Energy Plan?

    No, you should not buy this plan, as it is a specialized product for those having Type 1 diabetes, Type 2 diabetes, IFG/ IGT and/or hypertension.

  • Does HDFC ERGO Health offer any option with this plan?

    Yes, HDFC ERGO Health offers four options with this plan: ‘Gold without Co-pay,’ ‘Gold with 20% Co-pay,’ ‘Silver without Co-pay,’ and ‘Silver with 20% Co-pay.’

  • What is Health Coach?

    Health Coach is a feature, designed to help insured persons develop a personalized improvement plan (Diet and Exercise plans). It lets them ensure a clear health goal with timelines. Further, it also understands health, based on Wellness tests and updates health Pal on your health status and goals.

  • What are the minimum and maximum entry age to buy Energy Plan?

    The minimum entry age to buy the Energy Plan is 18 years and maximum entry age is 65 years.

  • Is the portability option available under this policy?

    Yes, this plan is available for portability. For more details, call InsuranceDekho at 7551196989.

  • What sum insured options are available under the HDFC ERGO Health Energy Plan?

    The sun insured option under this plan is Rs. 2 Lakh, Rs. 3 Lakh, Rs. 5 Lakh, Rs. 10 Lakh, Rs. 15 Lakh, Rs. 20 Lakh, Rs. 25 Lakh & Rs. 50 Lakh on an individual sum insured basis.

  • What is a Wellness Incentive under the HDFC ERGO Health Energy plan?

    Wellness Incentive allows you to earn an amount, which is equal to the renewal discount. This amount can be reimbursed against the diagnostic, consultation, medicine or other health expenses.

  • Are expenses for Organ Donor covered by the policy?

    Yes, the medical expenses for organ donor are covered by this policy.

  • Are expenses incurred in the treatment for the diseases caused by diabetes covered?

    Yes, the expenses incurred in the treatment for all the diseases caused by diabetes covered from day one.

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