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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
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,708 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 ideal for those suffering from Type 1 diabetes, Type 2 diabetes mellitus, pre-diabetes (IFG, IGT), or hypertension. The plan is available in two variants: HDFC ERGO Energy Gold and HDFC ERGO Energy Silver. Both variants offer the same sum insured options and coverage, but the Gold plan includes an additional Wellness program. The plan is available with or without a 20% co-payment option, allowing policyholders to choose based on 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
  • 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

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 Energy plan offers three additional benefits along with its basic coverages. Below are the benefits under the Energy Plan HDFC ERGO.

  • The wellness tests

    This benefit is available under the HDFC ERGO Energy Gold plan, offering 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, HDL, LDL, Triglycerides, Total Protein, Serum Albumin, GGT, SGOT, SGPT, Bilirubin, Total Cholesterol: HDL Cholesterol, ECG, Blood Pressure Monitoring, BMI, Doctor Consultation.

    *Wellness tests are offered on a cashless basis under the Gold plan variant at network hospitals. For tests at non-network hospitals, the company will reimburse INR 2,000 at the end of the policy year.

  • The reward points

    Policyholders are rewarded based on their medical test results and key health parameters such as BMI, BP, HbA1c, and Cholesterol.

    Get up to 25% renewal premium discount.

    Reimbursement up to 25% on medical expenses not covered under insurance.

  • Wellness Support

    A web portal to track your medical condition from various tests, storing all your medical records for monitoring.

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 →

Sample premium

Indicative premium examples — your actual quote depends on age, declared medical history, sum insured and add-ons.

HDFC ERGO Energy Diabetes Plan Premium

We at PolicyX.com aim to make it easier for you to understand the premium of health insurance. Below are some sample premiums for individuals under the HDFC ERGO Energy Diabetes Plan. These samples are calculated for individuals of different ages with different SI options (with or without co-pay).

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

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Permanent diseases or health conditions not included under the HDFC ERGO Energy Diabetes Plan are:
  • Injuries resulting from a suicide attempt
  • Injuries resulting from adventurous sports
  • Hospitalization due to alcohol and drug abuse
  • External Congenital Disease
  • Venereal or sexually transmitted diseases
  • Infertility and in vitro fertilization
  • Certain diseases and treatments are covered under the HDFC Ergo Energy Plan after a certain period:
  • Pre-existing diseases after 2 years
  • Specific ailment 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 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

Explore HDFC ERGO Health Insurance

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 7 Aug 2023 · Originally published: 30 Oct 2024

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