HDFC ERGO Energy Health Insurance
Cashless Approval TAT | 45 mins Cashless Claim Processing |
Claim Settlement Ratio | 100% |
Network Hospitals | 12,000+ |
PED Coverage Starting From | 3 year |
Special Benefits | 2X 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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FAQs on Energy Health Insurance Plan
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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.
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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.’
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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.
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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.