Health Insurance 400 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.

  1. Plan options to choose from Silver and Gold plan
  2. Hospitalization expenses coverage (due to illness or injuries)
  3. Pre-existing diseases (other than diabetes or hypertension) coverage after 2 years
  4. Up to 182 day care procedure coverage
  5. Emergency road ambulance expenses coverage
  6. Organ donor expenses coverage
  7. HbA1C test benefit
  8. Personalized wellness portal
  9. Wellness tests up to INR 2,000 for Gold Plan
  10. Personalized health coach
  11. Tax benefits up to INR 75,000
  12. A 15-day free look period

On this page, we would discuss these features of the HDFC ERGO Energy Plan in detail. Without any further delay, let’s start!

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Features of HDFC ERGO Energy Plan

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!

Multiple Plan Variant Options

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.

Hospitalization Expenses

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.

Day Care Procedures Coverage

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.

Emergency Road Ambulance

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.

Organ Donor Expenses

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.

HbA1C Benefit

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.

Wellness Program

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.

Wellness Reward Points

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.

Pre-acceptance Medical Examination

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.

Who Can Buy HDFC ERGO Energy Plan?

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.

What is Not Covered Under the Energy Plan?

You can check the list of general exclusions for this plan mentioned below.

  1. Expenses of HIV or AIDS and related diseases
  2. Self-inflicted injuries due to abuse of intoxicant or hallucinogenic substances (intoxicating drugs and alcohol)
  3. External Congenital diseases, mental disorder or insanity, cosmetic surgery and weight control treatments
  4. Hospitalization due to war or an act of war or due to a nuclear, chemical or biological weapon and radiation
  5. Pregnancy, dental treatment, external aids and appliances
  6. Items of personal comfort and convenience
  7. Experimental, investigative and unproven treatment devices and pharmacological regimens

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