HDFC ERGO Energy Silver Plan
HDFC ERGO
9.4/10
OneAssure Rating
9.4/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU)
HDFC ERGO Energy Silver With Co-Pay offers coverage for room rent and ICU expenses without any specific sub-limits, ensuring that policyholders can avail of necessary hospitalization benefits up to the sum insured.
Advanced Treatments
Coverage includes advanced treatments such as coronary angiography, cancer radiotherapy, chemotherapy, and palliative care, ensuring access to essential medical support during critical times.
Brochure
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Our Verdict
HDFC ERGO Energy Silver With Co-Pay offers coverage for diabetes and hypertension with wellness benefits and a No Claim Bonus. Ideal for cost-conscious individuals, but the 20% co-payment increases out-of-pocket expenses.
About the Plan
HDFC ERGO Energy Silver With Co-Pay is a specialized health insurance plan designed for individuals with diabetes and hypertension. It covers hospitalization expenses, pre- and post-hospitalization costs, and daycare treatments. The plan includes an annual health check-up, wellness coaching, and a wellness discount based on healthy lifestyle choices. A co-payment clause applies, requiring the policyholder to share a percentage of claim costs. Additionally, it offers a No Claim Bonus, enhancing coverage for claim-free years, ensuring comprehensive financial protection.
About the Plan
Product Stats
Rating
Features of the Product
ICU Charges
No restriction on ICU room rent
Disease-wise sublimits
No
Co-payment
Available as an option
Restoration Benefit
Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses
Cumulative Bonus
Your sum insured increases by 10% every year, maximum up to 100%
Room Rent
All room categories are covered
Consumable Cover
Yes
Initial Waiting Period
30 days
Specific Waiting Period
2 years
PED Waiting Period
2 years
Modern Treatment
Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period
Annual Health Checkup
Health check-up is available twice every policy year, from day 1 of the policy
Daycare Treatment
Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured
AYUSH Treatment
Covers AYUSH treatment expenses up to your annual sum insured during the policy period
Pre-Hospitalisation
You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved
Post-Hospitalisation
You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it
Outpatient Department Cover (OPD Expense)
OPD expense is not included
Deductible Option
Not available
Cashless Healthcare Providers
15,000+ Healthcare Providers
Coverage Options
Available coverage options: ₹2L, 3L, 5L, 10L, 20L, 25L, 50L
Maternity Cover
Not available
Claim Settlement Ratio
95%
Exclusions
Any pre-existing diseases (other than diabetes and hypertension) not covered during the waiting period.
Expenses related to self-inflicted injuries, suicide, or attempted suicide.
Treatment for alcohol or drug abuse, including rehabilitation programs.
Any illness or injury arising from war, terrorism, or civil unrest.
Injuries or conditions resulting from participation in hazardous sports or activities.
Cosmetic or plastic surgery unless required due to an accident or medical necessity.
Treatment related to obesity, weight control, or bariatric surgery.
Expenses for experimental, unproven, or alternative treatments.
Infertility treatments, assisted reproductive techniques, or pregnancy-related complications unless specifically covered.
Medical expenses related to congenital diseases or genetic disorders.
Treatment for mental disorders, psychiatric conditions, or behavioral problems.
Charges for routine medical check-ups, vaccinations, or preventive treatments unless covered.
Any dental treatment or surgery unless required due to an accident.
Hospitalization primarily for rest, rehabilitation, or respite care.
Any treatment received outside the policy’s geographical coverage area.
Exclusions
Related Variants
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Why OneAssure?
We help you maximize your coverage over time for stronger protection.
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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