Hdfc Ergo Energy Plan
HDFC ERGO
10.0/10
OneAssure Rating
10.0/10
OneAssure Rating
Highlighted Features
No Co-Payment Requirement
Enjoy full coverage without any co-pay obligations, ensuring that you don’t have to bear a percentage of medical expenses.
Room Rent & ICU Limit
No capping on room rent or ICU charges, allowing you to choose any hospital room without additional expenses.
Brochure
Policy Wording
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Our Verdict
HDFC ERGO Energy Gold Without Co-Pay offers comprehensive coverage for diabetes and hypertension without co-payment. Ideal for individuals with lifestyle diseases, though international treatments and specific plans may have co-payment rules.
About the Plan
HDFC ERGO Energy Gold Without Co-Pay is a specialized health insurance plan designed for individuals with diabetes and hypertension, offering comprehensive coverage without any co-payment requirements. The plan covers hospitalization expenses, pre- and post-hospitalization costs, day care procedures, and annual health check-ups. It also includes wellness benefits such as discounted diagnostic tests and wellness coaching to help manage lifestyle diseases. With lifelong renewability, policyholders can ensure continuous financial protection against medical emergencies. Additionally, it rewards healthy habits through premium discounts based on health parameters.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
Normal: no capping on room rent
ICU: no limit
Advanced Treatments
Robotic Surgery
Stem Cell Therapy
Organ Transplant
Targeted & Immunotherapy
Bariatric Surgery
Advanced Cardiac Care
Proton Beam Therapy
Co-payment
No copayment
Waiting Periods
Initial Waiting Period: 30 days from policy inception, except for accidental claims.
Pre-Existing Diseases: Covered after a waiting period of 2 years.
Specific Diseases: Some listed conditions (like hernia, cataract, and joint replacements) have a waiting period of 2 years.
Diabetes & Hypertension: No waiting period; coverage starts from day one.
Maternity Benefits: If applicable, typically a waiting period of 4 years.
Cashless Healthcare Providers
16,000 cashless healthcare providers.
Day Care Treatments
Covered under the policy.
AYUSH Treatment
Covered under this policy
Exclusions
Pre-existing diseases are not covered until the completion of the waiting period.
Any illness diagnosed or treated within the first 30 days of the policy, except accidental injuries.
Treatment related to self-inflicted injuries, suicide attempts, or substance abuse.
Cosmetic or plastic surgery unless required due to an accident or medically necessary.
Dental treatment unless required due to an accident.
Treatment for obesity or weight control procedures.
Expenses related to infertility, sterility, or any form of assisted reproductive treatments.
Injuries or illnesses arising from participation in hazardous activities or adventure sports.
War, terrorism, or nuclear-related incidents.
Experimental or unproven medical treatments not recognized by medical authorities.
OPD consultations, vitamins, and supplements unless prescribed as part of a treatment.
Non-medical expenses such as registration fees, admission charges, and service fees.
Exclusions
Critical Illness Cover - Provides a lump sum payout if diagnosed with specified critical illnesses like cancer, heart disease, or stroke, ensuring financial stability during treatment.
Personal Accident Cover - Offers financial support in case of accidental death or permanent disability, helping policyholders and their families manage unforeseen financial burdens.
Hospital Daily Cash - Provides a fixed daily allowance for each day of hospitalization to cover non-medical expenses like food, travel, and other incidental costs.
Maternity and Newborn Cover - Covers maternity expenses, including delivery costs and newborn care, ensuring financial support for expecting mothers and their babies.
Second Medical Opinion - Allows access to expert opinions from a panel of specialists for critical illnesses, enabling policyholders to make informed treatment decisions.
AYUSH Treatment Cover - Extends coverage for alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy, ensuring access to holistic medical care.
Add-ons
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About the Company
HDFC ERGO, a subsidiary of HDFC Bank, offers a comprehensive range of general insurance products, including motor, health, travel, home, and personal accident insurance for individuals, as well as property, marine, and liability coverage for businesses. HDFC ERGO Health Insurance is committed to providing financial protection during medical emergencies, offering a wide range of health insurance plans. With a focus on seamless claims settlement, the company settles a claim every minute*, ensuring prompt and reliable service. Trusted by over 1.6 crore customers, HDFC ERGO’s plans include benefits like cashless hospitalization, outpatient department (OPD) coverage, daily cash allowances, and diagnostic cost coverage. The my:Optima Secure plan offers enhanced coverage at no extra cost.
About the Company
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