HDFC ERGO Energy Health Insurance Plan

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.

Read More

HDFC ERGO Energy Health Insurance Plan: Key Highlights

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:

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

FAQs