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Optima Lite Health Insurance Plan
HDFC ERGO Optima Lite Health Insurance Plan is an affordable health insurance policy that provides necessary health insurance coverage to i…
- Affordable premiums
- Unlimited restore benefit
- No disease-wise sub-limits
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HDFC ERGO Health Insurance
HDFC ERGO Energy Diabetes Plan
A tailor-made health insurance plan for policyholders with pre-existin ...Read More
Up to 2 Cr
Sum insured
1
No. of plans
200+
Pan India presence
95.30%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,718 reviews
🏥 15,000+ hospitals
📊 2.00 solvency ratio
✅ 95.30% claim settlement
About HDFC ERGO Energy Diabetes Plan
A quick read on what this HDFC ERGO Health Insurance plan covers and why it might be a fit for you.
HDFC ERGO Health Insurance offers an Energy Diabetes plan, which is ideal for those suffering from Diabetes Type 1, Diabetes Mellitus Type 2, pre-diabetes (IFG, IGT), or hypertension. The HDFC ERGO Energy plan is available in two variants: HDFC ERGO Energy Gold plan and HDFC ERGO Energy Silver plan. Both plan variants offer the same sum insured options and coverage, but the HDFC ERGO Energy Gold plan provides an additional feature: a Wellness program. The plan is available with and without a 20% co-payment option, allowing policyholders to choose at their convenience. It is one of the best health insurance plans for diabetics.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
18 to 65 Years
Plan type
Individual
Sum insured options
₹2 L, ₹3 L, ₹5 L, ₹10 L, ₹15 L, ₹20 L, ₹25 L, ₹50 L
Waiting period
None
Renewability
Lifelong
Policy term
1 Year
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Personal health coach
- Rewards for premium discount
- Diabetes and Hypertension cover
Cons
- ICU cover unavailable
- AYUSH treatment not covered
- OPD not covered
- Domiciliary treatment unavailable
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Not covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Not covered
- Day-care treatment Covered
- OPD charges Not covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Covered
- Automatic restoration of SI Covered
- Daily hospital cash Not covered
Family & special care
- Maternity cover Not covered
- New-born baby cover Not covered
- IVF treatment Not covered
- AYUSH treatment Not covered
- Organ donor expenses Covered
Modern & preventive care
- Modern treatment Not covered
- Road ambulance Covered
- Air ambulance Not covered
- E-consultation Not covered
- Health check-up Not covered
- Second medical opinion Not covered
- Vaccination Not covered
Conditions & global
- Co-payment Covered
- Sub-limits Not covered
- Compassionate travel Not covered
- Global coverage Not covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
HDFC Ergo Health Insurance Plan Detailed Review
This review video of the HDFC ERGO health insurance plan discusses various options & variants this plan offers in India.
HDFC ERGO Energy Benefits
The HDFC ERGO Energy plan offers three additional benefits along with its basic coverages. These benefits are:
-
The Wellness Tests
This benefit, available under the HDFC ERGO Energy Gold plan, offers two complete medical check-ups during the policy year.
Wellness Test 1: HbA1c, Blood Pressure Monitoring, BMI
Wellness Test 2: HbA1c, FBS, Total Cholesterol, Creatinine, High-Density Lipoprotein (HDL), Low-Density Lipoprotein (LDL), Triglycerides (TG), Total Protein, Serum Albumin, Gamma-Glutamyltransferase (GGT), Serum Glutamic Oxaloacetic Transaminase (SGOT), Serum Glutamic Pyruvic Transaminase (SGPT), Bilirubin, Total Cholesterol: HDL Cholesterol, ECG, Blood Pressure Monitoring, BMI, Doctor Consultation.
*The company offers Wellness tests on a cashless basis under the Gold plan variant, meaning you can undergo these tests at our network hospitals without paying anything. However, if tests are performed at a non-network hospital, the company will reimburse INR 2,000 only at the end of the policy year.
-
The Reward Points
Under this program, policyholders are rewarded based on the results of their medical tests and key health parameters such as BMI, BP, HbA1c, and Cholesterol.
- Get up to 25% of renewal premium discount.
- Reimbursement up to 25% on medical expenses not covered under insurance.
-
Wellness Support
This web portal allows you to track your medical condition from various tests and stores all your medical records, enabling you to monitor your health.
HDFC ERGO Health Insurance Network Hospital List
HDFC ERGO Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, HDFC ERGO Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Injuries resulting from a suicide attempt
- Injuries resulting from adventurous sports
- Hospitalization due to alcohol and drug abuse
- External congenital diseases
- Venereal or sexually transmitted diseases
- Infertility and in vitro fertilization
- Pre-existing diseases after 2 years
- Specific ailments after 2 years
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Entry age: 18 to 65 years
- Policy term: 1 year
- Initial waiting period: 30 days
- Sum insured: 2 L to 50 L
Other features & benefits
- Organ donor cover
- Ambulance services
- Pre & post-hospitalization cover
HDFC ERGO Energy Diabetes Plan: FAQs
The 13 most-asked questions about HDFC ERGO Energy Diabetes Plan, answered.
Health Coach feature is created to assist insured people in creating a customized improvement plan (Diet and Exercise plans) under HDFC ERGO energy diabetes plan.
No. This plan is specially designed for those people who are suffering from diabetes and hypertension.
Yes, you can take back your premium within the free-look period and under the HDFC ERGO energy plan, you will get the 15-day free-look period.
Yes, a pre-health checkup is mandatory to buy an HDFC ERGO energy plan.
You can cancel your HDFC energy plan within the first 15 days from the date of receipt of the policy.
You have the option to choose another indemnity health insurance policy available with HDFC ERGO at the time of renewal and all the benefits of the previous policy will be carried forward if you have paid the premium without any break.
Yes, you can change your sum insured amount at the time of renewal of the policy.
Wellness tests are the benefit that comes under the HDFC ERGO energy gold plan. This feature offers two complete medical check-ups during the policy year. Wellness test 1. HbA1c, Blood Pressure Monitoring, BMI Wellness test 2. HbA1c, FBS, Total Cholesterol, Creatinine, high density Lipoprotein (HDL), Low-Density Lipoprotein (LDL), Triglycerides (TG), Total Protein, Serum Albumin, GammaGlutamyltransferase (GGT), Serum Glutamic Oxaloacetic Transaminase (SGOT), Serum Glutamic Pyruvic Transaminase (SGPT), Bilirubin, Total Cholesterol: HDL Cholesterol, ECG, Blood Pressure Monitoring, BMI, Doctor Consultation.
HDFC ERGO energy plan offers the ’reward points’ feature in which policyholders are rewarded based on the results of their medical tests and key health parameters such as BMI, BP, HbA1c, and Cholesterol. Get a renewal premium discount of up to 25%. Reimbursement up to 25% on medical expenses that are not covered under insurance.
HDFC ERGO energy plan offers a ’Wellness Support’ feature that provides a web portal that can be used to track your medical condition from various tests. It also stores all your medical records so that you can monitor your condition anytime.
Yes, this plan provides coverage for in-patient hospitalization that occurs due to an accidental injury or any critical illness.
No, this plan does not have any mandatory co-payment clause. However, you have the option to opt for 20% of co-payment on every claim to reduce your premium amount. But the co-pay option should be chosen at the time of policy purchase.
HDFC ERGO Energy Diabetes is a complete health plan, designed specifically for people with pre-existing diabetes or hypertension. Along with in-patient hospitalization, no-claim bonus, restoration bonus, etc., this plan offers various wellness programs such as wellness incentives, integrated web portal, wellness coach and much more.
Conclusion
A strong plan for diabetics with day-one coverage and wellness benefits, but limited for non-diabeti
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