Nowadays having a sedentary lifestyle is a major concern for your health that leads to various diseases such as Diabetes, High Blood Pressure and more. But this shouldn't stop you from living your life. Along with following a healthy lifestyle, having health insurance that fits your requirement is a plus point for an active lifestyle.
HDFC ERGO Energy Health Insurance Plan helps you in reducing the medical expense burden raised due to some common and critical diseases of various kinds. This insurance plan is specially designed for people with diabetes & hypertension and offers you to live successfully and peacefully despite having such illnesses.
Let us now explain this plan in detail for better understanding.
|Type Of Disease||Type 1 and 2 Diabetes or Pre-Diabetes (Impaired Fasting Glucose/ Impaired Glucose Tolerance) or Hypertension.|
|Entry Age||18-65 years|
|Minimum Sum Insured||Rs.2 lakhs|
|Maximum Sum Insured||Rs.50 lakhs|
|Who Can Apply||An individual with any of the aforesaid diseases.|
This dedicated plan covers most of the expenses that may arise due to diabetes and hypertension. Have a look at the below table for the details.
|Day Care Treatment||Yes, up to 182 Days|
|Waiting Period||No (for diabetes and hypertension)|
|Pre-Hospitalization Coverage||30 days|
|Post-Hospitalization Coverage||60 days|
|Emergency Ambulance Coverage||Yes|
|Organ donor expenses||Yes|
|Wellness Program||1. Two complete medical check ups administered during the policy year.|
2. A personalized wellness web portal.
3. Personalized expert health coach.
4. Monthly newsletters to share important information on healthcare and management.
|Reward Points||1. Renewal premium discounts of up to 25% for managing health conditions.|
2. Reimbursement up to 25% of renewal premium against your medical expenses (like consultation charges, diagnostic expenses, medicines and drugs, and other miscellaneous charges not included under any medical insurance).
The plan offers several benefits that are listed below-
This plan offers the complete coverage of all hospitalisation charges from day one arising out of diabetes and hypertension with no waiting period.
Your expenses for diagnosis, investigation, and even post-hospitalization expenses are covered. All your pre-hospitalization expenses up to 30 days (before admission) and post-discharge expenses (till 60 days) are included.
If an emergency arises and you need to hurry to the hospital, your ambulance costs are compensated up to Rs.2000 per hospitalization.
Once you get connected with HDFC ERGO Energy Health Insurance Plan, there is no looking back. It can continue lifetime on break-free renewals.
The plan covers the medical and surgical expenses of the organ donor at the time of a major organ transplant.
It offers tax benefits up to Rs.75,000 for the premiums paid under Section 80D of the Income Tax Act, 1961.
Under this plan, you can also get a personalized trained health coach to help you with proper guidance, instructions, reminder, and designing a nutrition and fitness plan especially for you.
With this plan, you can avail a personalized wellness web portal to track and store all your medical records. It helps you monitor your health conditions along with the facility to purchase health products at special offers.
After purchasing this plan, you can get easy access to the helpline number to answer all the queries, along with the monthly newsletters to provide you important information regarding health care and management.
Your costs of HbA1C tests are covered up to Rs.750 per policy year. Two complete medical check-ups (known as wellness tests) are also compensated up to Rs.2000 for Gold Plan on a cashless claim.
Let's compare the sample rates of premiums paid by an individual at different ages and the sum insured (SI). We have prepared a graph for a better understanding. You can choose your plan wisely on the basis of premiums. As you can see, premiums are increasing with an increase in the age. The premium also depends on certain factors such as health conditions, existing illnesses, etc.
|Age (Male)||SI - 5 Lakhs||SI - 10 Lakhs||SI - 20 Lakhs||SI - 50 Lakhs|
The major exclusions are as follows-
Follow the below-mentioned steps to buy this plan easily and smoothly.
If you are not comfortable buying online, you can buy this plan from the nearest branch of HDFC ERGO.
In case you don't get a suitable response from HDFC, you can also buy this plan from PolicyX.com. Here is the process for the same.
The claim process can be of two types - 1. Cashless claim and 2. Reimbursement claim. Both claim processes are discussed here with the proper steps. Have a look.
You have to get admitted to one of the authorized network hospitals of HDFC ERGO.
Show your health card, valid photo ID, and other documents (if required) to the hospital.
The hospital will send the cashless request to HDFC ERGO and coordinate with the company for the pre-authorization form.
HDFC ERGO will do its investigation on the received documents and reflect on the claim stating its final stand.
You will be notified through SMS or e-mail on your registered mobile number or email-ID about each stage of the claim.
On approval, you can take the treatment, and the bills will be settled by HDFC ERGO. Any inadmissible expenses, copayments, and deductions will have to be paid by you.
You can get admitted to any hospital according to your convenience. The amount will be settled directly by you, not the hospital.
After discharge, download the claim form from HDFC's official website. To fasten the claim procedure quicker, it is advisable to submit the soft copies of your bills and documents on the claim registration module. Once you share the required documents, the team will initiate the processing of your claim.
Else, you may send soft copies of your claim documents along with the claim form to healthclaims[at]hdfcergo[dot]com.
HDFC ERGO will review and scrutinize all the documents. If additional documents are required, you will be informed by the insurance company. After you meet their satisfaction level, the claim will be settled by the company.
You will be kept notified through SMS or mail on your registered mobile number or email-ID about each stage of the claim.
After the completion of the procedure, the claim amount will be transferred through NEFT.
Note: On receipt of complete documents, the claim would be processed within 7 days from the time the last document is received.
To file your claim and for approval, you need the following documents.
Note: For safety, it would be advisable to keep the documents both in original form and in photocopied form.
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Yes, they provide life-long renewability unless the policyholder behaves improperly.
The insured will get a 30 days grace period to renew his / her policy.
The company offers 15 days from the date of receipt of the policy document to review the terms and conditions of this policy. In case of any objections, you have the option of cancelling the policy and you shall be refunded the premium paid by you after adjusting the amount spent on any stamp duty charges, medical check-up, and proportionate risk premium.
Yes, you can enhance the sum insured at the time of renewal. Just make sure that no claim has been made under the policy.
Yes, any insured person has 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.
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Last updated on August, 2021
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