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

Policy Brochure

Policy Policy Wording

Get a Quote

95

Claim Settlement Ratio

15000

Network Hospitals

9.4

Customer Rating

Policy Brochure

Policy Policy Wording

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...

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

Waiting Period

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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.

Cashless Healthcare Providers

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

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.

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.

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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,...