Energy - Key Benefits:

Complete Protection from Day 1

A plan for diabetes and hypertension that won’t keep you waiting even for 1 day. Any hospitalization right from the day of policy issuance is covered. Also, about 182 day-care procedures or Emergency ambulance, Organ donor expenses, HbA1C Checkup benefit are covered.

Wellness Program

Energy plan keeps the track of your diabetes and hypertension with two complete medical checks administered during the policy year for Pre-diabetic and diabetic individuals.

Wellness Support

You get access to a personalized wellness Web Portal, Health Coach, Monthly Newsletters, Centralized Helpline. Store your medical records, set fitness goals, stay up-to-date and get immediate assistance at the time of need.

Stay Healthy and Earn Rewards

Based on the results of your medical tests and key health parameters such as BMI, BP, HbA1c and Cholesterol we offer you incentives for staying healthy. This may come as Renewal premium discounts of up to 25% or Reimbursement up to 25% of renewal premium.

What is covered:

  • Hospitalization expenses - Just like every other health insurance plan, we cover you for hospitalization due to illnesses and injuries seamlessly.
  • Pre and post-hospitalisation - Your costs for diagnosis, investigation, are covered too. All your pre-hospitalization expenses up to 30 days before admission and post-discharge expenses till 60 days are included.
  • Day-care procedures - Covers day care treatments taken in a Hospital /Day care center in less than 24 hours because of technological advancement.
  • Emergency Road Ambulance - If you need to, rush to a hospital in case of an emergency. Your ambulance costs are covered up to ₹. 2000 per hospitalization.
  • Organ Donor Expenses - Organ donation is a noble cause.Hence, we cover the medical and surgical expenses of the organ donor when harvesting a major organ transplant.
  • Lifelong renewability - Once you get yourself secured with our health insurance plan, there’s no looking back. This health insurance plan continues for your entire lifetime on break free renewals
  • Save Tax - Did you know that a health insurance plan is not just meant to safeguard your savings but also help you save tax? Yes, you can save tax upto ₹ 75,000 with HDFC ERGO Health Insurance plans.
  • HbA1C Benefit - Your costs of HbA1C tests are covered up to ₹ 750 per policy year. Two complete medical check-ups known as wellness tests are also payable up to ₹2000 for Gold Plan on a cashless basis.
  • Personalized wellness portal - Get Access to a personal wellness Web Portalthat tracks and stores all your medical records. It helps you monitor your condition and provides you with special offers for purchase of health products that you may need.
  • Health Coach - Get Personalized highly trained Health Coach to guide, remind, and create your nutrition and fitness plans.
  • Wellness Support - Get access to a centralized helpline available to answer any queries that you may have. Monthly newsletters to provide you with valuable information on healthcare and management.
  • Reward points - Based on the results of your medical tests and critical health parameters such as BMI, BP, HbA1c and Cholesterol, we offer you Renewal premium discounts of up to 25%.

What is not covered:

  • Other Pre-existing diseases - Any pre-existing condition (other than diabetes or hypertension) will be covered after a waiting period of 2 years.
  • Self-inflicted injuries - Consequences of use and Abuse of intoxicant or hallucinogenic substances like intoxicating drugs and alcohol lead to self-inflicted wounds. Our policy does not cover self-inflicted injuries.
  • War - War can be disastrous and unfortunate. However, our policy does not cover any claim that are caused due to wars.
  • Treatment of obesity or cosmetic surgery - Treatment of obesity or cosmetic surgery is not eligible for coverage under this insurance policy.
  • Venereal or sexually transmitted diseases - We do understand the criticality of your disease. However, our policy does not cover venereal or sexually transmitted diseases.

Waiting Periods:

  • First 24 Months From Policy Inception

Pre-existing diseases other than diabetes and hypertension are covered after two years of policy issuance.

Claims Procedure:

Initiate a claim or to know about the process visit HDFC ERGO Health Insurance Claim Process to initiate/Track a claim.


Connect on HDFC ERGO’s Whatsapp no 8169500500


Call on HDFC ERGO's toll free helpline no. 022 6234 6234 / 0120 6234 6234 and register your claim.