How does the waiting period affect my coverage?

The HDFC ERGO Energy Silver Without Co-Pay plan includes a 30-day general waiting period and 48 months for pre-existing conditions.

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

If no claims are made, you may receive a No Claim Bonus, increasing your sum insured without additional premium costs.

Does the HDFC ERGO Energy Silver Without Co-Pay plan cover treatment abroad?

The plan covers treatments only within India; international treatment is not included under the standard policy.

OneAssure

Health Insurance

HDFC ERGO

Energy Silver Without Copay

HDFC Ergo Energy Silver Plan

Experience India's most trusted health insurance with HDFC ERGO Health Insurance. Get instant cashless treatment at 13000 network hospitals with sum insured up to ₹50 lakhs.

95

Claim Settlement Ratio

13000

Network Hospitals

0

Customer Rating

Policy Brochure

Get a Quote

95

Claim Settlement Ratio

13000

Network Hospitals

0

Customer Rating

Policy Brochure

Our Verdict

Expert Review: HDFC ERGO Health Insurance

Final 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

About HDFC ERGO Health Insurance

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.

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...

Energy Silver Without Copay Ratings

Energy Silver Without Copay

Insurer Rating

5.85

out of 10

Insurance Rating

2

out of 10

No Room Rent Limit

No

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

No

Unlimited Restoration

No

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

Yes

Maternity Available

No

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of HDFC ERGO Insurance Company Limited

Room Rent

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.

Cashless Healthcare Providers

16,000 cashless healthcare providers.

Waiting Period

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.

Daycare Treatment

Covered under the policy.

AYUSH Treatment

Covered under this policy

Room Rent

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.

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.

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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,...

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,...

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.