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HDFC ERGO Energy Diabetes Plan

HDFC ERGO's Energy Health Insurance Plan specifically caters to indivi ...Read More

Up to 2 Cr
Sum insured
1
No. of plans
200+
Pan India presence
95.30%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,720 reviews
🏥 15,000+ hospitals
📊 2.00 solvency ratio
✅ 95.30% claim settlement
Written by Simran saxena
Reviewed by Raj Kumar
Published: 30 Oct 2024
Updated: 27 Jul 2026
Expert Verified
IRDAI Licensed

Overview

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.

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 its network hospitals without paying anything. However, if tests are performed at a non-network hospital, the company will reimburse only INR 2,000 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.

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.

HDFC ERGO Energy Diabetes Plan Premium

At PolicyX.com, we aim to make it easier for you to understand health insurance premiums. Below are sample premiums for an individual under the HDFC ERGO Energy Diabetes plan, calculated for different ages and Sum Insured (SI) options (with or without co-payment).

HDFC ERGO Health Energy Silver

No Co-payment

Age (Male) SI - 5 Lakhs SI - 10 Lakhs SI - 20 Lakhs SI - 50 Lakhs
30 years 11442 14136 20428 28505
60 years 30291 37419 54071 75450

20% Co-payment

Age (Male) SI - 5 Lakhs SI - 10 Lakhs SI - 20 Lakhs SI - 50 Lakhs
30 years 9186 11316 16352 22819
60 years 24457 30003 43356 60497

HDFC ERGO Health Energy Gold

No Co-payment

Age (Male) SI - 5 Lakhs SI - 10 Lakhs SI - 20 Lakhs SI - 50 Lakhs
30 years 17342 20036 26328 34407
60 years 36191 43319 59971 81350

20% Co-payment

Age (Male) SI - 5 Lakhs SI - 10 Lakhs SI - 20 Lakhs SI - 50 Lakhs
30 years 15086 17216 22252 28719
60 years 30357 35903 49256 66397

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

A quick look at what this plan covers — and what it doesn't.

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

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 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.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

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

Frequently Asked Questions

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

Explore HDFC ERGO Health Insurance

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