Energy Diabetes Plan
  • Personalized health coach option
  • Get rewards to reduce your premiums
  • Cover Diabetes and Hypertension without waiting period
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HDFC ERGO Energy Diabetes Plan

HDFC ERGO Energy plan is specially designed for diabetic patients. It is an ideal health product for those who are suffering from diabetes Type 1, diabetes mellitus Type 2, pre-diabetes (IFG, IGT), or hypertension. 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 i.e. Wellness program. The plan is available with and without the 20% co-payment option, allowing policyholders to choose the one at their convenience.

HDFC ERGO Energy Diabetes Plan Specifications

Take a look at the HDFC ERGO Energy plan specification to get a better understanding of the plan and its eligibility:

Plan Variant

Silver Plan & Gold Plan

Sum Insured

2 | 3 | 5 | 10 | 15 | 20 | 25 | 50 Lakhs

Entry Age

Min: 18 Years Max: 65 Years

Plan Type

Individual

Policy Term

1 Year

Initial Waiting Period*

30 Days

*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.

Read more specifications in the brochure.

Choose your HDFC ERGO Energy Diabetes Plan

HDFC ERGO Energy plan is available in two plan variants i.e. HDFC ERGO energy silver plan and HDFC ERGO energy gold plan. It allows customers to select the variant as per their healthcare needs. Continue reading for more information:

What is Room Rent?

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.

What are ICU Charges?

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.

What is Pre Hospitalization?

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.

What is Post 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.

What is Domiciliary Hospitalization?

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.

What is Daycare Treatment?

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.

What are OPD charges?

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.

What is COVID-19 Treatment?

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.

What is Cataract Treatment?

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.

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as no-claim bonus on policy renewal. However, in the case of claim, this bonus amount eitherlapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under HDFC ERGO Energy Diabetes Plan?

The plan offers a cumulative bonus as a 10% increment in the sum insured for every claim-free year. This increment can go up to a maximum of 100% of SI per policy.In case of a claim is made during the policy year, the cumulative bonus will decrease by 10% in the following year.

What is Automatic Restoration?

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.

What is Daily Hospital Cash?

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.

What is an Organ Donor Cover?

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.

What is a Maternity Cover?

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.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the new borncover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Pre-mature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under HDFC ERGO Energy Diabetes Plan?

Newborn baby expenses are not covered under this plan.

What is AYUSH Treatment?

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.

What is IVF Treatment?

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.

What is a Modern Treatment?

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.

What is an Ambulance Cover?

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.

What is an Air Ambulance?

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.

What is Compassionate Travel?

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.

What is Global Coverage?

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

Coverage status under HDFC ERGO Energy Diabetes Plan?

Not available

What is E-Consultation?

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

What is a Health Checkup?

A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.

Coverage status under HDFC ERGO Energy Diabetes Plan?

Health checkups are covered under the “Wellness test” in the HDFC ERGO energy gold plan.

The wellness tests

It 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), Billirubin, Total Cholesterol: HDL Cholesterol, ECG, Blood Pressure Monitoring, BMI, Doctor Consultation.

What is a Second Medical Opinion?

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

What is Vaccination cover?

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

Coverage status under HDFC ERGO Energy Diabetes Plan?

Not available

What is Co-payment?

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.

What is the Sub limit?

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

HDFC ERGO Health Insurance Network Hospital List

HDFC Ergo entails a wide network of cashless Hospitals that impact millions of lives PAN India. A well connected network of over 13,000+ cashless hospitals, HDFC Ergo ensures that you are medically secured, irrespective of the city you reside in.

HDFC ERGO Energy Diabetes Plan Premium

We at PolicyX.com intend to make it easier for you to understand the premium of health insurance. Therefore, we have shown some sample premiums to be paid by an individual under HDFC ERGO energy diabetes plan. These sample premiums are calculated for individuals of different ages with different SI options (with co-pay or without co-pay).

HDFC ERGO Energy Benefits

HDFC Energy plan offers 3 additional benefits along with its basic coverages. Below-mentioned are the benefits that come under the Energy Plan HDFC ERGO.

The wellness tests

Complete Cashless Medical Checkups

The reward points

Get rewards for staying healthy

Wellness Support

Web portal to track your health

The wellness tests

This benefit comes under the HDFC ERGO energy gold plan, it 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), Billirubin, Total Cholesterol: HDL Cholesterol, ECG, Blood Pressure Monitoring, BMI, Doctor Consultation.

*Company offers Wellness tests on a cashless basis under the gold plan variant that means you can undergo these tests at our network hospitals without paying anything. However, in the case of tests that have been performed under any non-network hospital then the company will reimburse INR 2K 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 that are not covered under insurance.
Wellness Support

It is a web portal through which you can track your medical condition from various tests, and it stores all your medical records so that you can monitor your condition.

HDFC ERGO Energy Diabetes Banner

HDFC ERGO Energy Diabetes Plan Exclusions

Permanent Exclusions

The mentioned-below treatments or health conditions are not included under the HDFC ERGO energy plan:

Injuries resulting from a suicide attempt

Injuries resulting from adventurous sports

Hospitalization due to alcohol, and drug abuse

Experimental, investigative and unproven treatment devices and pharmacological regimens

External Congenital Disease

Venereal or sexually transmitted diseases

HIV and AIDS-related diseases

Pregnancy and dental treatment

Weight control treatment

Coverage after Waiting Period

Some treatments are covered after a defined waiting period under the HDFC ERGO Energy plan. Read them below:

Pre-Existing Diseases after 2 years

Specific ailment after 2 years

Explore HDFC ERGO Health Insurance

PolicyX.com will help the policyholders at every stage of buying/claiming/renewing your Energy Plan HDFC ERGO. Just contact us and we will solve all your queries related to Energy Plan HDFC ERGO.

Claim Process

Click to know HDFC ERGO Health Insurance Claim Process.

Buying Process

Click to know HDFC ERGO Health Insurance Buying Process.

Contact Us

Feel free to contact HDFC ERGO Health Insurance for more details.

Renewal Process

Click here to Renew HDFC ERGO Health Policy Online

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Claim Settlement Ratio

Click here to HDFC ERGO Health Insurance Claim Settlement Ratio

Explore other HDFC ERGO Health Plans

HDFC ERGO provides myriads health plans to cater to the different needs of different customers. You can read about HDFC ERGO health plans for individuals, families, senior citizens, etc, below:

HDFC ERGO Critical Illness Policy

An ideal health plan for people with a pre-existing critical illness or a family history of critical illnesses. Get comprehensive coverage for 15 critical illnesses.

Unique Features

  • One-time lump sum payment
  • No medical checkup up to 45 years
  • Lifelong renewability

Designed especially for people with pre-existing diabetes or hypertension. Get coverage for diabetes and hypertension from Day 1 without any waiting period.

Unique Features

  • Stay fit & earn reward points
  • 100% SI restoration
  • Health coach & wellness programs

A flexible and comprehensive health plan, securing your today & tomorrow. With 'Reserve Benefit' features, this plan grows unused policy amount @6% interest rate.*

Unique Features

  • Automatic SI restoration
  • Multiplier benefit
  • Free preventive health checkup

Covers all types of cancer at all stages with lifelong renewability option. If diagnosed with IV stage cancer or relapse, this plan pays 100% of SI as a lump sum.

Unique Features

  • Coverage for modern treatments
  • Second opinions available
  • Coverage for follow-up care

HDFC ERGO Koti Suraksha

An individual and family health plan providing SI of up to 1 crore to prepare you to meet constantly increasing medical inflation.

Unique Features

  • Free preventive health checkup
  • Multiple wellness services
  • Up to 10% of fitness discount

Avail of extra cover to meet medical expenses without any limitations by purchasing this deductible-based top-up plan.

Unique Features

  • Constant premiums post 61 years
  • No medical checkup up to 55 years
  • 5% discount on 2-year policy term

Offers 360-degrees protection to individuals & families along with utmost flexibility by providing multiple SI options (3-75l), EMI facilities, and lifelong entry option.

Unique Features

  • Fitness discounts during renewal
  • Room rent capping and co-pay
  • Loyalty discounts, recovery benefits

My:health Women Suraksha

Women-oriented health plan providing comprehensive medical insurance with major illnesses cover, and cancer cover all under a single plan but different variants.

Unique Features

  • Pregnancy & newborn complications
  • SI options from 3L - 1 Cr
  • Free preventive health checkup

Provides comprehensive medical coverage to individuals and families with different budgets by offering SI options ranging from 5 Lakhs to 50 Lakhs.

Unique Features

  • Free health checkup
  • 2X multiplier benefit
  • 100% SI restoration

Health Insurance Articles

HDFC ERGO Energy Diabetes Plan:FAQs

1. What is Health Coach?

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.

2. Can this plan cover non-diabetics as well?

No. This plan is specially designed for those people who are suffering from diabetes and hypertension.

3. Can I take my premium back if not satisfied with HDFC ERGO Energy Diabetes plan?

Yes, you can take back your premium within the free-look period and under the HDFC ERGO energy plan, you will get the 15 days free-look period.

4. Do I have to undergo a pre-health checkup to get the Energy Plan HDFC ERGO?

Yes, a pre-health checkup is mandatory to buy an HDFC ERGO energy plan.

5. Can I cancel my HDFC ERGO energy plan at any time?

You can cancel your HDFC energy plan within the first 15 days from the date of receipt of the policy.

6. Can I port my HDFC Energy diabetes plan to any other health plans offered by any other company?

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.

7. Can I change the amount of sum insured during the policy tenure?

Yes, you can change your sum insured amount at the time of renewal of the policy.

8. What is the wellness test feature under the HDFC Energy plan?

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.

9. Is there any discount available under the HDFC ERGO Energy plan?

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.

10. What do you mean by Wellness Support under HDFC ERGO Energy Diabetes plan?

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.

11. Does HDFC ERGO Energy Diabetes plan cover other illnesses also?

Yes, this plan provides coverage for in-patient hospitalization that occurs due to an accidental injury or any critical illness.

12. Does HDFC ERGO Energy Diabetes have any co-payment clause to cover pre-existing diabetes?

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.

13. How is HDFC ERGO Energy Diabetes different from other health insurance policies?

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.

Read Reviews & Ratings

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Subhro Jha

Hyderabad

September 14, 2022

It was great experiance with Policyx.com about the claims as i got rejection my claim from HDFC Ergo but after getting support of policyx.com i got my claim and the complete amount is given by...

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Vedika Verma

Delhi

May 25, 2022

With several health plans, HDFC ERGO offers looks after the healthcare need of every individual. I am glad that I chose to buy health insurance from HDFC ERGO

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Vedantu Singhania

Coimbatore

August 5, 2021

Thanks to HDFC ERGO Health Insurance company for ensuring that all the healthcare needs of your customers are looked after. I am glad that I got in touch with PolicyX.com who helped me at every...

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Usha Dodiya

Indore

May 20, 2021

Policyx.com give very good insurance policy I will recommend to everyone and manager support is very gool

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harish kumar

Delhi

March 16, 2021

thanks to Policyx and HDFC to provide good service at the time of claims he help me two times and provide 100% cashless benefit

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ambika chauhan

Chennai

March 4, 2021

i am happy that i recieved my claim today. got good support. after first rejection i was scared, but i got it due to the sipport of policyx

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Ashu Goyal

Ludhiana

March 4, 2021

I have taken the policy of HDFC ergo by Policy X.Com , Claim settlement Tat is very Good . Policy X.com team is helpful about claim settlement without any issue.

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Meenakshi Singh

Delhi

March 4, 2021

I took this policy from Policyx as this company have helped my friend at his time of need which is claim compensation and I was extremely happy that with so much patience they have helped and e...

View All HDFC Ergo Health Insurance Reviews