HDFC ERGO Energy Gold With Copay Plan
HDFC ERGO
9.4/10
OneAssure Rating
9.4/10
OneAssure Rating
Highlighted Features
No Limit on Room Rent & ICU Charges
Enjoy unlimited coverage for normal room and ICU charges, ensuring top-quality medical care without financial restrictions.
Optional Co-Payment for Lower Premiums
No mandatory co-payment, but policyholders can choose a 20% co-payment to reduce their premium costs.
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Policy Wording
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Our 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 the Plan
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.
About the Plan
Product Stats
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Features of the Product
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
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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.
Hazardous Sports – Injuries due to professional adventure sports like skydiving, rock climbing.
Self-inflicted Injuries – Including suicide attempts and intentional harm.
Exclusions
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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 India.
About the Company
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