*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
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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.
|Sum Insured||Rs 2 lakh to Rs 50 lakh|
|Policy Tenure||1 year|
|Plan Types||Silver, Gold|
|Incurred Claim Ratio (2021-22)||97.47%|
|Pre-policy Medical Check-ups||Required|
|Pre-existing Diseases Waiting Period||2 years (except for diabetes)|
|Specific Diseases Waiting Period||2 years|
Check out the benefits of buying an HDFC ERGO Energy Health Insurance plan:
One of the biggest advantages is that the Energy plan covers any hospitalization arising from pre-existing diabetes or hypertension from day 1 without any waiting period.
If the base sum insured gets exhausted partially or completely on raising a claim, the restore benefit reinstates the sum insured amount by 100%. However, this benefit is available only once a year.
If no claims have been raised in the previous policy year, the insurer grants a 10% cumulative bonus to the insured that increases the sum insured amount without any increase in the premium.
The HDFC ERGO Energy plan comes with a wellness programme for diabetes and hypertension patients that offers wellness points to gain renewal premium discounts.
The insured can reduce their tax liabilities by earning tax benefits on the premium paid for the health policy under Sec 80D of the Income Tax Act.
Here are the eligibility criteria to buy the HDFC ERGO Energy plan:
|Minimum Entry Age||18 years|
|Maximum Entry Age||65 years|
HDFC ERGO Energy plan comes with the following exclusions:
The following medical expenses are excluded under the HDFC ERGO Energy Health Insurance plan:
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