How does the waiting period affect my coverage?

The policy has a 24-month waiting period for pre-existing diseases and specific treatments before coverage begins.

What happens if I don’t use my health insurance benefits for the entire year?

If no claims are made, a 10% cumulative bonus increases the sum insured annually, up to 100%.

Will my health insurance cover treatment abroad?

The policy only covers treatments within India, and medical expenses abroad are not reimbursed under any circumstances.

OneAssure

Health Insurance

HDFC ERGO

Energy Gold With Copay

HDFC ERGO Energy Gold With Copay Plan

Experience India's most trusted health insurance with HDFC ERGO Health Insurance. Get instant cashless treatment at 15000 network hospitals with sum insured up to ₹50 lakhs.

95

Claim Settlement Ratio

15000

Network Hospitals

9.4

Customer Rating

Get a Quote

95

Claim Settlement Ratio

15000

Network Hospitals

9.4

Customer Rating

Our Verdict

Expert Review: HDFC ERGO Health Insurance

Final 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

About HDFC ERGO Health Insurance

The HDFC ERGO Energy Gold plan is tailored for individuals aged 18 to 65 managing diabetes or hypertension. It offers comprehensive coverage without mandatory co-payment; however, policyholders can opt for a 20% co-payment to reduce premiums. The plan includes benefits like cashless medical check-ups up to ₹2,000 annually, coverage for HbA1c tests up to ₹750 per policy year, and lifelong renewability. It also imposes a 30-day waiting period for general illnesses, and a 2-year waiting period for specific illnesses and pre-existing conditions. Additionally, there are no sub-limits on room rent, allowing policyholders to choose any hospital room without financial constraints.

The HDFC ERGO Energy Gold plan is tailored for individuals aged 18 to 65 managing diabetes or hypertension. It offers comprehensive coverage without mandatory co-payment; however, policyholders can opt for a 20% co-payment to reduce premiums. The plan includes benefits like cashless medical check-ups up to ₹2,000 annually, coverage for HbA1c tests up to ₹750 per policy year, and lifelong renewability. It also imposes a 30-day waiting period for general illnesses, and a 2-year waiting period...

Inclusions and Exclusions

Inclusions and Exclusions of HDFC ERGO Insurance Company Limited

Cashless Healthcare Providers

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

Daycare Treatment

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

AYUSH Treatment

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

Room Rent

Normal: No Limit
ICU: No Limit

Co-payment

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

Waiting Period

.

Cashless Healthcare Providers

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

Daycare Treatment

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

AYUSH Treatment

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

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Exclusions

Investigation & Evaluation – Diagnostic expenses not related to treatment.
Rest Cure & Respite Care – Admission for enforced bed rest without treatment.
Obesity Treatment – Unless fulfilling specific medical criteria.
Gender Change Treatments – Expenses for transitioning procedures.
Cosmetic & Plastic Surgery – Unless required due to an accident, burns, or medical necessity.
Substance Abuse – Treatment for alcohol or drug addiction.
Maternity & Infertility – No coverage for pregnancy, childbirth, surrogacy, or infertility treatments.
War & Terrorism – Any treatment arising from war, biological, nuclear, or chemical attacks.

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About the company

HDFC Ltd., India’s top financial services company, and ERGO International, part of Munich Re Group of Germany. The company offers a wide range of insurance products, including health, motor, travel, home, and commercial insurance. In health insurance, HDFC ERGO is known for flexible plans, large coverage options, and easy claim processes. It has a wide hospital network across the country for cashless treatments. The company also provides modern services like wellness programs, online claim filing, and round-the-clock support. HDFC ERGO is trusted by millions of customers for its reliable service and transparent policies. With strong financial backing and global expertise, it combines local understanding with international standards. The company focuses on customer satisfaction and aims to provide affordable protection for families, individuals, and businesses across...

HDFC Ltd., India’s top financial services company, and ERGO International, part of Munich Re Group of Germany. The company offers a wide range of insurance products, including health, motor, travel, home, and commercial insurance. In health insurance, HDFC ERGO is known for flexible plans, large coverage options, and easy claim processes. It has a wide hospital network across the country for cashless treatments. The company also provides modern services like wellness programs, online claim filing,...