About HDFC ERGO Energy Health Insurance Plan
HDFC ERGO Energy Health Insurance is a customized plan designed for diabetes and hypertension patients.It covers pre-existing BP and diabetes from day 1, along with ambulance charges and organ donor expenses. The plan also has attractive benefits like Hb1AC benefit, shared accommodation benefit, restore benefit, etc.
HDFC ERGO Energy Health Insurance Plan: Key Highlights
| Categories | Specifications |
|---|---|
| Sum Insured | Rs 2 lakh to Rs 50 lakh |
| Pre-policy Medical Check-up | Required |
| Pre-existing Diseases Waiting Period | 2 years (except for diabetes) |
| Co-Payment | 20% (Optional) |
or select from popular citiessSearch Optima Restore Cashless Network Hospital list
Key Benefits of HDFC ERGO Energy Health Insurance Plan
HDFC ERGO Energy Health Insurance Plan Inclusions & Exclusions
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In-patient HospitalizationIt covers the medical expenses incurred on hospitalization of more than 24 hours, including hospital room rent, ICU charges, nursing fees, etc.
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Pre-hospitalization CoverIt pays for the medical expenses incurred at least 30 days before hospitalization.
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Post-hospitalization CoverIt covers the medical expenses incurred for up to 60 days after hospitalization.
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Day Care ProceduresIt pays for the cost of medical treatments and procedures requiring less than 24 hours of hospitalization.
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Emergency Ambulance CoverIt pays for the ambulances service availed during a medical emergency.
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Organ Donor ExpensesIt pays for the treatment cost of harvesting the organ for a transplant surgery of the insured.
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Pregnancy
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Non-medical expenses
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External aids and appliances
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Cosmetic surgery
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Hospitalization due to abuse of intoxicants like drugs or intoxicants
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Congenital external diseases
In case of emergency we are just a call away. Take care of your family, we will do the rest. Our claim specialists will reach your location & complete the formalties from filing the claim to documentation to coordinating with insurer, TPA & hospital. Available in New Delhi and 114+ cities View cities list ›Policybazaar Claim Process
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HDFC ERGO Energy Health Insurance Plan: FAQs
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Q1. Who can buy an HDFC ERGO Energy plan?
Ans: The HDFC ERGO Energy health insurance plan can be purchased by people diagnosed with type 1 diabetes, type 2 diabetes, pre-diabetes (impaired fasting glucose/ impaired glucose tolerance) and hypertension. -
Q2. Does HDFC ERGO Energy health insurance cover treatments taken outside India?
Ans: No, the HDFC ERGO Energy diabetes plan does not cover treatments availed outside India. -
Q3. What is the maximum wellness discount offered under an HDFC ERGO Energy plan?
Ans: The HDFC ERGO Energy plan offers a maximum of 25% discount under its wellness programme.
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Q. What is the advantage of selecting a policy with a duration of more than 1 year?
Ans: If one buys Aditya Birla Health Insurance for more than a year, one can save 7.5 % and 10% on the 2 and 3 years premium, respectively.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. What is a waiver of a mandatory co-pay cover?
Ans: This benefit is covered on payment of an additional premium. Therefore, any mandatory co-payment that is applicable under the Aditya Birla Activ Health Essential Plan will be waived off.
HDFC ERGO offers two types of claim settlements – cashless and reimbursement. Follow the steps to raise a claim:
- Find the nearest network hospital of HDFC ERGO
- Get admitted to the hospital
- Notify the insurance company about the hospitalization
- In case of pre-planned hospitalization, intimate the insurer before hospital admission.
- Fill up the pre-authorization form and submit it to the hospital staff
- The pre-authorization form will be sent to HDFC ERGO for approval.
- Once approved, obtain medical treatment.
- At the time of discharge, sign all the medical documents.
- Pay for the items/services not covered under the HDFC ERGO policy
- The network hospital will send the hospital bill to HDFC ERGO.
- After review, the insurance company will pay the bill amount directly to the network hospital.
- Inform the insurance company about the hospitalization
- In case of planned hospitalization, notify the insurer before hospital admission.
- Receive medical treatment
- At the time of discharge, pay the entire hospital bill in full.
- Collect all the medical documents, bills and payment receipts
Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim
