HDFC ERGO

Hdfc Energy Plan

HDFC ERGO

9.4/10

OneAssure Rating

95.3%
Claim Settlement Ratio
16,000
Network Hospitals

Highlighted Features

No Limit on Room Rent & ICU Charges

No Limit on Room Rent & ICU Charges

Enjoy unlimited coverage for normal room and ICU charges, ensuring top-quality medical care without financial restrictions.

Optional Co-Payment for Lower Premiums

Optional Co-Payment for Lower Premiums

No mandatory co-payment, but policyholders can choose a 20% co-payment to reduce their premium costs.

Brochure

Policy Wording

Our Verdict

HDFC ERGO's Energy Gold plan offers comprehensive coverage for individuals with diabetes or hypertension, including day-one coverage for related complications. It features no room rent limits, free annual health check-ups, and a 10% annual increase in the sum insured, up to 100%, even after claims. However, it excludes domiciliary hospitalization and may be relatively expensive. This plan is ideal for individuals managing diabetes or hypertension seeking extensive coverage from the outset.

About the Plan

Product Stats

Rating

Coverage
Claim Settlement
Hospital Network
Co-Payment
Waiting Periods
No Claim Bonus

Features of the Product

01

Room Rent (Normal & ICU)

  1. Normal:  No Limit

  2. ICU: No Limit

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02

Co-payment

  1. No mandatory co-payment; however, policyholders can opt for a 20% co-payment to reduce premiums. 

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03

Waiting Periods

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04

Cashless Healthcare Providers

  1. Access to over 16,000 network hospitals for cashless treatments, minimizing out-of-pocket expenses.

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05

Day Care Treatments

  1. Medical procedures requiring less than 24-hour hospitalization, such as cataract surgery or chemotherapy, are covered up to the sum insured.

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06

AYUSH Treatment

  1. Alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered up to the sum insured.

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Exclusions

Add-ons

Looking for a Specific Hospital ?

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Why OneAssure?

Coverage That Grows with You

We help you maximize your coverage over time for stronger protection.

About the Company

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Frequently Asked Questions

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