HDFC ERGO Energy Health Insurance Plan

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*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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      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.

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      HDFC ERGO Energy Health Insurance Plan: Key Highlights

      Categories Specifications
      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
      Co-Payment 20% (Optional)

      Benefits of HDFC ERGO Energy Health Insurance Plan

      Check out the benefits of buying an HDFC ERGO Energy Health Insurance plan:

      1. Day 1 Coverage for Diabetes/Hypertension

      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.

      2. Restore Benefit

      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.

      3. Cumulative Bonus

      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.

      4. Wellness Programs

      The HDFC ERGO Energy plan comes with a wellness programme for diabetes and hypertension patients that offers wellness points to gain renewal premium discounts.

      5. Tax Benefits

      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.

      HDFC ERGO Energy Health Insurance Plan Eligibility Criteria

      Here are the eligibility criteria to buy the HDFC ERGO Energy plan:

      Parameters Eligibility Criteria
      Minimum Entry Age 18 years
      Maximum Entry Age 65 years
      Coverage Type Individuals
      Renewability Lifelong

      Inclusions of HDFC ERGO Energy Health Insurance Plan

      HDFC ERGO Energy plan comes with the following exclusions:

      • In-patient Hospitalization – It covers the medical expenses incurred on hospitalization of more than 24 hours, including hospital room rent, ICU charges, nursing fees, etc.
      • Pre-hospitalization Cover – It pays for the medical expenses incurred at least 30 days before hospitalization.
      • Post-hospitalization Cover – It covers the medical expenses incurred for up to 60 days after hospitalization.
      • Day Care Procedures – It pays for the cost of medical treatments and procedures requiring less than 24 hours of hospitalization.
      • Emergency Ambulance Cover – It pays for the ambulances service availed during a medical emergency.
      • Organ Donor Expenses – It pays for the treatment cost of harvesting the organ for a transplant surgery of the insured.
      • Shared Accommodation Benefit – It pays a cash benefit to the insured for staying in a shared hospital room instead of a single private room.
      • HbA1C Check-up Benefit – It reimburses the medical expenses incurred on the HbA1C medical check-up claimed twice a year.

      Exclusions of HDFC ERGO Energy Health Insurance Plan

      The following medical expenses are excluded under the HDFC ERGO Energy Health Insurance plan:

      • Pregnancy
      • Non-medical expenses
      • External aids and appliances
      • Cosmetic surgery
      • Hospitalization due to abuse of intoxicants like drugs or intoxicants
      • Congenital external diseases
      • Experimental, unproven and investigative treatments
      • Hospitalization due to war, chemical or biological weapon


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      • 30 minutes claim support*(In 120+ cities)
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      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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