HDFC Ergo Energy Plan: Diabetic Health Insurance Plan

Why Choose HDFC ERGO Energy Plan

Diabetes patients can benefit from Energy Plan General Insurance, which provides insurance and personalized management plans. Furthermore, this plan is also a health insurance product for people suffering from Type 1 diabetes, Type 2 diabetes mellitus, pre-diabetes (IFG, IGT), or hypertension. There are two variants of the Energy plan - Gold and Silver. Co-payment options are available for both variants. 20% of the claim amount will be your responsibility. The Gold segment of HDFC ERGO General Insurance offers twice-yearly medical check-ups at no cost to you. For the Silver segment, you must undergo a medical check-up twice at your own expense at a diagnostic center in order to qualify for Wellness Benefits. Everything is sugar-free, parties are skipped, coffee is cut down, orthopedic shoes, insulin bags, bitter gourd juice (karela), etc. It can be lonely and painful to live with diabetes sometimes. However, that does not have to be the case anymore. HDFC ERGO's Energy health plan is specially designed for people with diabetes and hypertension. It covers your diabetes and its complications; it also partners with you to help you manage diabetes successfully. This is a health insurance plan that genuinely understands diabetes. How sweet is that? Diabetic patients can benefit from the HDFC ERGO Energy plan. The product is ideal for people with Type 1 diabetes, Type 2 diabetes, pre-diabetes (IFG, IGT), or hypertension. There are two variants of the HDFC ERGO Energy plan: the HDFC ERGO Energy gold plan and the HDFC ERGO Energy silver plan. There is no difference in terms of sum insured options or coverage between the two plan variants, but the HDFC ERGO energy gold plan includes a health and wellness plan. A 20 percent co-payment option is available along with the plan, allowing policyholders to select the option that suits them the best.

Key features of the energy plan	Explanation
Program for active wellness	Monitor and manage your health with a wellness program and a personalized health coach. For staying healthy, you can earn reward points that can be used to get a 25% discount on your renewal premiums.
There are no waiting periods	From the first day of enrollment, you will be covered for all hospitalizations resulting from Diabetes and Hypertension.
Bucket of rewards	We offer you incentives to stay healthy based on results of your health tests, including BMI, blood pressure, hemoglobin A1c, and cholesterol.
Restored amount insured	Restored amount insured Concerned about a shortage of sum insured for illness treatment? Whenever you make a claim, you will receive an instant addition of 100% of the necessary sum insured to your coverage.

Inclusions of HDFC Ergo Energy Plan

Inclusions of the energy plan	Explanation
Costs associated with hospitalization	Hospitalization due to illnesses and injuries is covered seamlessly by our health insurance plan.
The pre-and post-hospitalization period	You are also covered for diagnosis and investigation costs. Pre-hospitalization expenses up to 30 days before admission and post-discharge expenses up to 60 days after discharge are covered.
Procedures for daycare	Technological advancements cover daycare treatments taken in a hospital or daycare facility within 24 hours.
Ambulance on the road in an emergency	If you are experiencing an emergency, go to the hospital as soon as possible. You are covered for ambulance costs up to 2000 per hospitalization
Expenses associated with organ donation	Hence, we cover the medical and surgical expenses of the organ donor when he or she is harvesting a major organ for transplantation.
Renewability for life	We offer a health insurance plan that won't let you down once you've enrolled. You will be able to renew this health insurance plan without interruption for the rest of your life.
Tax savings	Did you know that a health insurance plan helps you save taxes as well? With HDFC ERGO Health Insurance plans, you can save up to 75,000 in taxes.
Benefits of HbA1C	Your HbA1C test costs are covered up to rupees 750 per policy year. The Gold Plan also includes a cashless wellness test and two complete medical check-ups.
Portal for personalized wellness	Track and store all of your medical records with a personal wellness Web portal. This app helps you monitor your health condition and provides you with special offers for health products.
Coach for health	Create a nutrition and fitness plan with the help of a highly trained health coach.
Support for wellness	Get in touch with a centralized helpline to get answers to any questions. Get valuable healthcare and management information in our monthly newsletters
Points earned as rewards	Your BMI, BP, HbA1c, Cholesterol, and other vital health parameters will influence the premium discount you receive for Renewal.

Exclusions of The Energy Plan

1. Injuries from adventure sports - Adventure sports can give you an adrenaline rush, but when accidents occur, they can be dangerous. Adventure sports accidents are not covered by our insurance policy.

2. Injuries caused by oneself - We don't want you to hurt yourself, even though you might think of doing so. Self-inflicted injuries are not covered by our policy.
3. War - There can be disasters and unfortunate outcomes associated with war. However, war-related claims are not covered by our policy.
4. Operations caused in defense - It is not covered by our policy if you are involved in defense (Army, Navy, or Air Force) operations.
5. Veneral and sexual disease - Your disease is critical, and we understand that. It is important to note, however, that our policy does not cover venereal diseases or sexually transmitted diseases.

FAQ

What makes Energy different from regular health insurance?

HDFC ERGO's Energy health insurance plan offers comprehensive coverage for diabetics and hypertension there are two main categories of benefits associated with the Energy plan:

Benefits specific to diabetes and hypertension- Coverage for in-patient expenses arising from diabetes or hypertension, Personalized Wellness Program, Wellness Incentives, Personal Health Coach, Integrated Web Portal.
Benefits covered by the standard health insurance plan include accidental injuries, critical illnesses, restoration benefits, no-claim bonuses, tax benefits, expenses associated with organ donation, and co-payment.

Who can buy Energy - Diabetes health insurance?

This plan is meant for people between the ages of 18 and 65. It has been designed for those who suffer from diabetes Type 1 Diabetes, Type 2 Mellitus, impaired fasting glucose (IFG), impaired glucose tolerance (IGT), pre-diabetes (IFG, IGT), or hypertension.

How long is the waiting period for this plan?

No waiting period is required for any illness, complications, or ailment arising from or related to Type 1 Diabetes, Type 2 Diabetes, or Hypertension and coverage begins on Day 1. Additionally, there are:

For specified illnesses/surgeries, there is a 2-year waiting period
PEDs require a waiting period of 3 years

Is this plan also covered for other illnesses?

You are covered for in-patient hospitalization expenses arising from accidental injuries, critical illnesses, etc. under your Energy plan. Individuals suffering from diabetes or hypertension can enroll in Energy's comprehensive health insurance plan. In addition to regular health benefits, it also offers additional benefits for diabetics.

Is it possible to port my HDFC Energy diabetes plan to any other health plan offered by any other company?

The benefits of your previous policy will carry over if you have maintained a continuous premium payment history with HDFC ERGO at the time of renewal.

What exactly is a wellness program?

The energy plan is based on an active wellness program. The app keeps track of your health, help you achieve your fitness goals (diet and exercise), and rewards you for staying healthy. Included in it are: Tests for wellness The policy year should begin with two comprehensive medical checkups.

HbA1c, Blood Pressure Monitoring, BMI: Wellness Test 1
In Wellness Test 2, we will check HbA1c, FBS, Total Cholesterol, Creatinine, HDL, LDL, Triglycerides (TG), Total Protein, Serum Albumin, Gamma-Glutamyltransferase (GGT), SGOT, SGPT, Serum Glutamic Pyruvic Transaminase (SGPT), Bilirubin, Total Cholesterol: HDL Cholesterol, ECG, Blood Pressure Monitoring, BMI, Doctor Consultation.
Support for wellness
Your health record is accessible through the Web Portal
A personal health coach to help you achieve your fitness and diet goals
All your questions are answered by a centralized helpline
Rewards for wellness
Management of health conditions can result in a 25% discount on renewal premiums
Expenses incurred by you not covered by any medical insurance (such as consultation charges, medicines, drugs, diagnosis fees, and dental expenses) may be refunded up to 25 percent of your renewal premium.

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