Product Details:

India currently has 60 million diabetics and is expected to swell to 90 million by 2025. Give a tough fight to diabetes with HDFC ERGO Energy.

Few reasons why should you choose Energy Health Insurance for your Diabetes:

  • Active Wellness Program

Wellness program and personalized health coach to help you monitor and manage your health. 

  • No Waiting Periods

Energy plan gives you coverage from Day 1 for all hospitalization arising out of Diabetes and Hypertension.

  • Reward Bucket

Stay healthy and earn reward points to avail reduced premiums


The plan covers individuals in the age group of 18 to 65 years at entry, who are currently diagnosed with Type I Diabetes or Type II Diabetes or Pre-Diabetes (Impaired Fasting Glucose/ Impaired Glucose Tolerance) or Hypertension.

Sum Insured

The plan can be issued to an individual only and can be taken for the sum insured's of Rs. 2,00,000; Rs. 3,00,000; Rs. 5,00,000; Rs. 10,00,000; Rs. 15,00,000; Rs. 20,00,000; Rs. 25,00,000 and Rs. 50,00,000


  • Silver plan: cost for wellness tests is excluded
  • Gold plan: cost for wellness tests is included

(Both the variants are available with and without co-payment options. You will have to bear 20% of the claim amount payable with co-payment option. For more details please refer to the policy wordings)

The health coverage (comprehensive cover)

  •  Day one coverage for all hospitalisation arising out of diabetes and hypertension (No waiting period)
  • In-patient hospitalisation
  • Pre and post hospitalisation cover of 30 and 60 days respectively
  • Medical expenses for day care procedures
  • Emergency ambulance coverage
  • Organ donor expenses
  • Shared accommodation benefit
  • HbA1C check-up benefit

Other Benefits:
• Restore Benefit • Cumulative Bonus

(Please refer to the policy wordings for detailed explanation)

The wellness program (designed to manage your health)

Wellness Tests: Two complete medical checks administered during the policy year
Wellness Test 1: HbA1c, Blood Pressure Monitoring, BMI
Wellness Test 2: HbA1c, FBS, Total Cholesterol, Creatinine, HighDensity Lipoprotein (HDL), Low-Density Lipoprotein (LDL), Triglycerides (TG), Total Protein, Serum Albumin, Gamma-Glutamyltransferase (GGT), Serum Glutamic Oxaloacetic Transaminase (SGOT), Serum Glutamic Pyruvic Transaminase (SGPT), Billirubin, Total Cholesterol: HDL Cholesterol, ECG, Blood Pressure Monitoring, BMI, Doctor Consultation

Please note: For Gold Plan we offer wellness test on cashless basis if undergone at our network centers. However, in case you choose to undergo tests at a non-network (but approved) center we will reimburse a sum of up to Rs. 2000/- only at the end of policy year. If your go for non-approved center, we will not be able to reimburse the amount or provide you reward points

The reward points (reward for staying healthy)

Based on the results of the medical tests and key health parameters such as BMI, BP, HbA1c and Cholesterol, following incentives offered to help you stay healthy

• Renewal premium discounts of up to 25% for management of health conditions 
• Reimbursement up to 25% of renewal premium towards your medical expenses (like consultation charges, medicines and drugs, diagnostic expenses, dental expenses and other miscellaneous charges not covered under any medical insurance)


  • Any pre-existing condition (other than diabetes or hypertension) will be covered after a waiting period of 2 years
  • Congenital external diseases, cosmetic surgery
  • Abuse of intoxicant or hallucinogenic substances like intoxicating drugs and alcohol
  • Hospitalisation due to war or an act of war or due to a nuclear, chemical or biological weapon and radiation of any kind
  • Pregnancy, dental treatment, external aids and appliances
  • 2 years waiting period for specific diseases like cataract, hernia, joint replacement surgeries, surgery of hydrocele, etc.
  • Non-medical expenses
  • Experimental, investigative and unproven treatment devices and pharmacological regimens
  • Please refer to the policy wording for the complete list of exclusions

Terms of Renewal:

  • Grace period: A grace period of 30 days for renewing the policy is provided under this policy
  •  Tax benefit: The premium amount paid under this policy qualifies for deduction u/s 80D of the Income Tax Act 

   (Tax benefits are subject to changes in Tax Laws)

For more details, please refer the sales brochure/policy wordings


Terms & Conditions Apply. This is only a summary of the product features. The actual benefits available are as described in the policy, and will be subject to the policy terms, conditions and exclusions. Please seek the advice of your insurance advisor if you require any further information or clarification. HDFC ERGO General Insurance Company Limited. IRDAI Reg. No. 146. CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. For more details on the risk factors, terms and conditions, please read the sales brochure / prospectus before concluding the sale. Trade Logo displayed above belongs to HDFC Ltd and ERGO International AG and used by the Company under license. UIN: Energy - HDHHLIP21345V042021.