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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 DETAILS |
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Hdfc Ergo Energy Plan |
Galaxy Twin 360 |
| Product Type | Individual | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
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| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | COVERED |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | COVERED |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | COVERED |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | COVERED |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | COVERED |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | COVERED |
| Hospital_network (Number of Hospital Network in city) |
15000 | 3216 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | COVERED |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | COVERED |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | COVERED |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | COVERED |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | COVERED |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not Covered | COVERED |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | NOT COVERED |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | NOT COVERED |
| Plan Entry Age | 18 to 65 Years | Adult: 18 years Children: 90 days |
| Plan Premium Entry Age and S/A | 15086 | Upto Rs. 35 lakh |
| Plan Waiting Period | None | 30 days |
| Plan Coverage | Individual | Room rent, Road ambulance, ICU, Daycare procedures, AYUSH treatment |
| Plan Sample Premium | 15086 | 6,000 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 Year | 1/2/3/4/5 years |
| ICU Charges | Not Covered | COVERED |
| Covid-19 Treatment | Covered | NOT COVERED |
| Cataract | Covered | COVERED |
| Automatic Restoration | Covered | COVERED |
| Ayush Treatment | Not Covered | COVERED |
| Modern Treatment | Not Covered | COVERED |
| E Consultation | Not Covered | COVERED |
| Air Ambulance | Not Covered | NOT COVERED |
| Global Coverage | Not Covered | NOT COVERED |
| Claim Ratio | 95.30 | 98.9 |
| Solvency Ratio | 2.00 | 4.70 |
|
HDFC Ergo Health Insurance Plan Detailed Review |
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