HDFC ERGO Energy Diabetes Plan

Room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common Room categories covered under room rent are:

• Private Single AC Room
• Twin Sharing
• General Ward

Coverage status under HDFC ERGO Energy Diabetes Plan?

Rooms are available on a sharing basis under this policy.

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under HDFC ERGO Energy Diabetes Plan?

ICU charges are not covered under this plan.

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under HDFC ERGO Energy Diabetes Plan?

This plan covers medical expenses of up to 30 days before your hospitalization.

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under HDFC ERGO Energy Diabetes Plan?

This plan covers medical expenses of up to 60 days after you get discharged from the hospital.

Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.

Coverage status under HDFC ERGO Energy Diabetes Plan?

Domiciliary hospitalization is not covered in the plan.

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under HDFC ERGO Energy Diabetes Plan?

This plan covers 182 day care treatments.

The cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under HDFC ERGO Energy Diabetes Plan?

OPD charges are not covered.

Covers the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under HDFC ERGO Energy Diabetes Plan?

COVID-19 treatment is not covered under this plan.

A common eye condition in which your vision gets blurred.

Coverage status under HDFC ERGO Energy Diabetes Plan?

This plan offers coverage for Cataract treatment after 2 years of the waiting period.

Automatic restoration is a benefit in which the insurance company restores the total sum insured after it gets fully exhausted in treatments.

Coverage status under HDFC ERGO Energy Diabetes Plan?

Automatic restoration equal to 100% of your selected SI amount is provided under this plan.

It is a cash amount that you will get each day during the time of hospitalization.

Coverage status under HDFC ERGO Energy Diabetes Plan?

HDFC ERGO energy plan does not offer daily hospital cash.

Your health plan will cover the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under HDFC ERGO Energy Diabetes Plan?

The plan provides coverage for organ donor expenses.

It refers to the cover that includes expenses for normal and c-section procedures deliveries.

Coverage status under HDFC ERGO Energy Diabetes Plan?

Maternity cover is not available under this plan.

*It is generally not covered under most health insurance plans as pregnancy is a planned condition.

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under HDFC ERGO Energy Diabetes Plan?

This plan does not cover AYUSH treatment expenses.

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

• Full infertility
• No fertility
• Infertility diagnosis
• Infertility diagnosis and limited fertility treatment
• Medication (which may or may not include fertility drug prescriptions)

Coverage status under HDFC ERGO Energy Diabetes Plan?

The plan does not offer coverage for IVF treatments.

Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under HDFC ERGO Energy Diabetes Plan?

This plan does not cover modern treatments.

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.

Coverage status under HDFC ERGO Energy Diabetes Plan?

This plan covers Ambulance charges of up to 2K per hospitalization.

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under HDFC ERGO Energy Diabetes Plan?

Air ambulance expenses are not covered under this plan.

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under HDFC ERGO Energy Diabetes Plan?

The policy does not cover compassionate travel expenses.

Any kind of medical/health emergency when you are outside of India.

Coverage status under HDFC ERGO Energy Diabetes Plan?

Not available

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under HDFC ERGO Energy Diabetes Plan?

Not Available

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company's network of medical practitioners.

Coverage status under HDFC ERGO Energy Diabetes Plan?

Not Available

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under HDFC ERGO Energy Diabetes Plan?

Not available

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Status under HDFC ERGO energy diabetes Plan?

Both variants of the plan come with the co-pay clause wherein the applicants can choose to have a co-payment of 20% or not have a co-payment option.

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to pay by the policyholder.

Status under HDFC ERGO energy diabetes Plan?

No defined sub-limits