Hdfc Ergo Energy Silver Plan
HDFC ERGO
Highlighted Features
Room Rent (Normal & ICU)
The HDFC ERGO Energy Silver Without Co-Pay plan covers normal room and ICU charges without sub-limits, ensuring flexibility in hospital room selection, subject to the sum insured, for stress-free hospitalization.
Advanced Treatments
The HDFC ERGO Energy Silver Without Co-Pay plan covers advanced treatments like robotic surgeries, stem cell therapy (for approved conditions), and modern procedures, ensuring access to cutting-edge medical care within policy terms and conditions.
Brochure
Explore more features
Our Verdict
HDFC ERGO Energy Silver Without Co-Pay offers full coverage for diabetes and hypertension without co-payment. Ideal for individuals seeking comprehensive care, though waiting periods for pre-existing conditions may apply.HDFC ERGO Energy Silver Without Co-Pay offers full coverage for diabetes and hypertension without co-payment. Ideal for individuals seeking comprehensive care, though waiting periods for pre-existing conditions may apply.
About the Plan
HDFC ERGO Energy Silver Without Co-Pay is a specialized health insurance plan designed for individuals with diabetes and hypertension. It provides comprehensive coverage without requiring any co-payment, ensuring full financial support for medical expenses. The plan includes in-patient hospitalization, pre- and post-hospitalization expenses, daycare procedures, and domiciliary treatment. It also covers AYUSH treatments and offers an annual health check-up. With lifelong renewability and coverage for pre-existing conditions after a waiting period, this plan ensures long-term protection and peace of mind.
About the Plan
Features of the Product
Room Rent (Normal & ICU)
Normal: coverage for hospital room rent without any sub-limits
ICU: no limits
Advanced Treatments
Includes modern medical procedures like robotic surgery, organ transplants, and advanced cancer treatments for enhanced healthcare access.
Co-payment
No copayments. Mentioned in the name of the policy itself.
Waiting Periods
Initial Waiting Period – 30 days from policy inception, except for accidental injuries.
Pre-Existing Diseases (PED) – Covered after 2 years of continuous policy coverage.
Specified Illnesses & Treatments – A waiting period of 2 years applies to certain listed conditions and procedures.
Maternity Benefits (if applicable) – Typically covered after a 2 to 4-year waiting period, depending on policy terms.
Lifestyle Diseases (Diabetes & Hypertension) – Covered after a specified waiting period as per policy terms.
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 specified waiting period.
Any illness or hospitalization occurring within the first 30 days of policy inception, except for accidental injuries.
Treatment for self-inflicted injuries, suicide attempts, or harm due to substance abuse, alcohol, or drug use.
Cosmetic or plastic surgery unless required due to accidents, burns, or medically necessary procedures.
Treatment related to HIV/AIDS and other sexually transmitted diseases unless specifically covered.
Congenital diseases, birth defects, and genetic disorders unless explicitly included under policy terms.
Expenses related to dental treatment, vision correction, or hearing aids unless arising from accidental injury.
Experimental treatments, unproven therapies, and procedures not recognized by medical authorities.
Injuries or illnesses resulting from participation in hazardous activities, adventure sports, or illegal acts.
Infertility treatments, assisted reproductive procedures, and surrogacy-related expenses.
Non-medical expenses, including administrative charges, registration fees, and consumables.
War, nuclear radiation, biological attacks, and terrorism-related medical conditions.
Weight management treatments, bariatric surgery, and obesity-related expenses unless explicitly covered.
Exclusions
Hospital Daily Cash - Receive a fixed daily allowance for each day of hospitalization, helping cover incidental expenses not included in your insurance.
Critical Illness Cover - Provides a lump sum payout if diagnosed with a listed critical illness, ensuring financial support during severe medical conditions.
Personal Accident Cover - Offers additional financial protection in case of accidental death or disability, providing security for your family’s financial future.
Maternity Cover - Covers maternity-related expenses, including delivery costs and newborn care, after a specified waiting period.
OPD & Wellness Benefits - Covers consultation fees, diagnostic tests, and pharmacy expenses, ensuring better access to outpatient medical care.
Add-ons
Looking for a Specific Hospital ?
Why OneAssure?
We help you maximize your coverage over time for stronger protection.
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
Still Confused ?
Frequently Asked Questions
Related Blogs
How Can Understanding the Cash Surrender Value of Life Insurance Benefit You?
Understand how the cash surrender value of life insurance can provide financial benefits to you.