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Health Insurance 1381 views May 17, 2021
India has the second-highest number of diabetes patients in the world. Frequent hospitalizations for the treatment of a chronic disease can cost you a lot of money. HDFC ERGO Energy Plan is a comprehensive health insurance plan to deal with the treatment expenses related to diabetes and its complications. Apart from diabetes, this plan also covers hypertension-related expenses.
Before going any further, let’s look at the prominent features of the HDFC ERGO Energy Plan so that you can understand it better.
On this page, we would discuss these features of the HDFC ERGO Energy Plan in detail. Without any further delay, let’s start!
Table of Contents
HDFC ERGO Energy Plan could be a perfect companion for individuals suffering from diabetes and hypertension. We are showing its various prominent features in detail below. Please check!
This health insurance plan from HDFC ERGO offers two plan variant options – Silver and Gold. Under the Silver plan, the cost of the wellness test will not be included, while the Gold plan includes the cost incurred on the wellness test.
HDFC ERGO Energy Plan covers the hospitalization expenses incurred due to illnesses and injuries up to the sum insured limit. Other than these expenses, you will also get coverage for diagnosis and investigation of a disease under the pre and post-hospitalization expenses coverage. Expenses incurred before 30 days of admission and 60 days after discharge will be covered under this plan.
Due to medical technology advancements, some surgeries and treatments do not require a minimum of 24-hour hospitalization. Such treatments are known as Day Care procedures, and with Energy Plan from HDFC ERGO, you can get coverage for up to 182 day care procedures.
Some medical emergencies need urgent hospitalization. If a policyholder needs to get transported to the nearby hospital via an ambulance, this plan covers ambulance costs up to INR 2,000 per hospitalization per policy period.
An individual may need to undergo organ transplantation due to some complications. In such a case, HDFC ERGO Energy Plan also covers the medical and surgical expenses of the organ donor incurred when harvesting a major organ transplant.
Policyholders can also get coverage against expenses incurred on Hb1AC tests up to INR 750 per policy year. If you choose the Gold Plan variant, wellness tests coverage (under which policyholders can undergo two complete medical check-ups) will be given up to INR 2,000 on a cashless basis.
A wellness program of the HDFC ERGO Energy Plan helps policyholders monitor their health, track and achieve their fitness goals and also rewards them for taking care of their health.
This program includes Wellness Tests (two complete medical check-ups during the policy year), Wellness Support (personalized wellness portal for your health record) and Wellness Rewards.
At the end of each policy year, HDFC ERGO will conduct a few medical tests and check critical health parameters such as Body Mass Index (BMI), Blood Pressure (BP), Hb1AC and Cholesterol. Based on the results, you can get a renewal premium discount of up to 25% for the management of health conditions.
Every individual will need to undergo a pre-health check-up before purchasing this plan. With the pre-health checkups, HDFC ERGO can have an estimate about the present health condition and illnesses and thus provide a suitable cover to policyholders.
Individuals who are between 18 to 65 years of age can choose this diabetes plan from HDFC ERGO. Individuals should be suffering from Type 1 Diabetes, Type 2 Mellitus, Impaired Fasting Glucose (IFG), Impaired Glucose Tolerance (IGT), Pre-diabetes (IFG, IGT) or Hypertension.
You can check the list of general exclusions for this plan mentioned below.