Who can buy HDFC ERGO Health's Energy Plan?

Anyone suffering from Diabetes Type 1, Diabetes mellitus Type 2 and pre-diabetes (IFG, IGT) and/ or hypertension should buy the HDFC ERGO Health's Energy Plan.

I am living a standard life. Should I buy the Energy Plan?

No, you should not buy this plan, as it is a specialized product for those having Type 1 diabetes, Type 2 diabetes, IFG/ IGT and/or hypertension.

Does HDFC ERGO Health offer any option with this plan?

Yes, HDFC ERGO Health offers four options with this plan: ‘Gold without Co-pay,’ ‘Gold with 20% Co-pay,’ ‘Silver without Co-pay,’ and ‘Silver with 20% Co-pay.’

What is Health Coach?

Health Coach is a feature, designed to help insured persons develop a personalized improvement plan (Diet and Exercise plans). It lets them ensure a clear health goal with timelines. Further, it also understands health, based on Wellness tests and updates health Pal on your health status and goals.

What are the minimum and maximum entry age to buy Energy Plan?

The minimum entry age to buy the Energy Plan is 18 years and maximum entry age is 65 years.

Is the portability option available under this policy?

Yes, this plan is available for portability. For more details, call InsuranceDekho at 7551196989.

What sum insured options are available under the HDFC ERGO Health Energy Plan?

The sun insured option under this plan is Rs. 2 Lakh, Rs. 3 Lakh, Rs. 5 Lakh, Rs. 10 Lakh, Rs. 15 Lakh, Rs. 20 Lakh, Rs. 25 Lakh & Rs. 50 Lakh on an individual sum insured basis.

What is a Wellness Incentive under the HDFC ERGO Health Energy plan?

Wellness Incentive allows you to earn an amount, which is equal to the renewal discount. This amount can be reimbursed against the diagnostic, consultation, medicine or other health expenses.

Are expenses for Organ Donor covered by the policy?

Yes, the medical expenses for organ donor are covered by this policy.

Are expenses incurred in the treatment for the diseases caused by diabetes covered?

Yes, the expenses incurred in the treatment for all the diseases caused by diabetes covered from day one.

HDFC ERGO Energy Health Insurance Wordings

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Highlights

Cashless Approval TAT	Within 37 mins
Claim Settlement Ratio	99.80%
Network Hospitals	13,000+
PED Coverage Starting From	3 year
Special Benefits	2X Cover from Day 1
Starting Premium	Rs. 1090/month

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HDFC ERGO Energy Brochure

1.10 MB
PDF Document
Nov 09, 2020

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HDFC ERGO Health Insurance Plan List

Family (3)
Individual (4)
Cancer (1)
Critical Illness (2)
Diabetes (1)
Parents (1)
Senior Citizen (1)

Name of Plan	Sum Insured
Optima SecureMin: 91 Days, Max: 65 YearsPopular		Check Premium
Optima RestoreMin: 91 Days, Max: 65 YearsPopular	3 Lakh	Check Premium
my: health SurakshaMin: 91 Days; Max: No LimitPopular	3 Lakh	Check Premium
Health Suraksha Top-Up Plus PolicyMin: 91 days; Max: 65 years	3 Lakh - 10 Lakh	Check Premium
my:Health Women Suraksha PolicyMin: 18 years; Max: 45 years	1 Lakh - 1 Crore	Check Premium
Dengue Care Policy Min: 91 Days; Max: 65 years	50 Thousand - 1 Lakh	Check Premium
Easy Health PolicyMin: 91 days; Max: 65 years	1 Lakh - 50 Lakh	Check Premium
my:Health Koti SurakshaMin: 18 years; Max: 65 years		Check Premium
Maxima PolicyMin: 91 Days; Max: 65 years		Check Premium
Day2Day Care PolicyMin: 91 Days; Max: 65 years		Check Premium
iCan CancerMin: 5 Years; Max: 65 Years	5 Lakh	Check Premium
Health WalletMin: 91 Days; Max: 65 Years	3 Lakh	Check Premium
EnergyMin: 18 Years, Max: 65 Years	2 Lakh	Check Premium
Optima SeniorMin: 61 Years; Max: No Limit	2 Lakh	Check Premium
Corona Kavach PolicyMin: 1 day ; Max: 65 years	50,000 - 5 lakh	Check Premium
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years	1 Lakh - 5 Lakh	Check Premium
Critical Illness PlanMin: 5 Years; Max: 65 Years	5 Lakh	Check Premium

HDFC ERGO Health Insurance Top Up List

Top-up (4)
Family (1)
Individual (1)

Name of Plan	Sum Insured
Optima PlusMin: 91 Days; Max: 65 YearsPopular	5 Lakh	Check Premium
my: Health Medisure Super Top-upMin: 3 Months; Max: 65 YearsPopular	3 Lakh	Check Premium
Optima SuperMin: 91 Days; Max: 65 Years	5 Lakh	Check Premium

9552 HDFC ERGO Cashless Network Hospitals in India

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FAQs on Energy Health Insurance Plan

Who can buy HDFC ERGO Health's Energy Plan?
Anyone suffering from Diabetes Type 1, Diabetes mellitus Type 2 and pre-diabetes (IFG, IGT) and/ or hypertension should buy the HDFC ERGO Health's Energy Plan.
I am living a standard life. Should I buy the Energy Plan?
No, you should not buy this plan, as it is a specialized product for those having Type 1 diabetes, Type 2 diabetes, IFG/ IGT and/or hypertension.
Does HDFC ERGO Health offer any option with this plan?
Yes, HDFC ERGO Health offers four options with this plan: ‘Gold without Co-pay,’ ‘Gold with 20% Co-pay,’ ‘Silver without Co-pay,’ and ‘Silver with 20% Co-pay.’
What is Health Coach?
Health Coach is a feature, designed to help insured persons develop a personalized improvement plan (Diet and Exercise plans). It lets them ensure a clear health goal with timelines. Further, it also understands health, based on Wellness tests and updates health Pal on your health status and goals.
What are the minimum and maximum entry age to buy Energy Plan?
The minimum entry age to buy the Energy Plan is 18 years and maximum entry age is 65 years.
Is the portability option available under this policy?
Yes, this plan is available for portability. For more details, call InsuranceDekho at 7551196989.
What sum insured options are available under the HDFC ERGO Health Energy Plan?
The sun insured option under this plan is Rs. 2 Lakh, Rs. 3 Lakh, Rs. 5 Lakh, Rs. 10 Lakh, Rs. 15 Lakh, Rs. 20 Lakh, Rs. 25 Lakh & Rs. 50 Lakh on an individual sum insured basis.
What is a Wellness Incentive under the HDFC ERGO Health Energy plan?
Wellness Incentive allows you to earn an amount, which is equal to the renewal discount. This amount can be reimbursed against the diagnostic, consultation, medicine or other health expenses.
Are expenses for Organ Donor covered by the policy?
Yes, the medical expenses for organ donor are covered by this policy.
Are expenses incurred in the treatment for the diseases caused by diabetes covered?
Yes, the expenses incurred in the treatment for all the diseases caused by diabetes covered from day one.

View More Questions

Claim Process at HDFC ERGO Health Insurance

Network Hospital
Non-Network Hospital

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
3
Claim Processing
Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
4
Claim Settlement
Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
3
Claim Processing
Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
4
Claim Settlement
Once your request for reimbursement of expenses is approved, the claim will be settled.