HDFC Ergo

Energy: Designed for those with diabetes or hypertension, this policy covers complications from these chronic diseases from day one. However, if you aren't diabetic, consider other options as this policy is fairly expensive.

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whatWeLike What We Like

This section highlights the strengths and benefits of Energy Gold policy by HDFC Ergo. It covers what the policy does exceptionally well, including aspects that provide significant value and peace of mind to the policyholder. Here, you will find the major advantages and positive features that make this policy stand out.

You most likely don't have to split the bill

No Co-Payment: The insurer will bear the entire cost of treatment (up to the sum insured) unless you explicitly opted to pay a portion of the bill. If...

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You can pick any room you like

Room Rent Flexibility: You can choose any room, whether it's a shared room, single room, or deluxe room, as there are no restrictions on room rent wit...

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Reasonable waiting period for pre-existing diseases

Immediate Coverage for Diabetes and Hypertension: If you have diabetes or hypertension, the insurer covers you from day one. For other pre-existing co...

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Good Restoration Benefit

Multiple Hospitalizations: After a partial claim, the insurer will fully restore your cover for any future hospitalizations within the same year, allo...

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Free Health Checkups every year

Annual Full Body Checkup: If you’re planning on getting a full body checkup every year just to make sure you’re in fine working condition, the insurer...

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You always have full cover irrespective of the disease

No Disease-Wise Sub-Limits: If your insurer hasn't explicitly excluded an illness, you can claim the full sum insured for any disease, as this policy ...

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Pre & Post hospitalization expenses covered

Diagnostic Tests Coverage (30 days/60 days): No worries if the doctor has to run a series of diagnostic tests before or after hospitalizing you. The i...

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Day Care treatments covered

Minor Procedure Full Coverage: If you're hospitalized for less than 24 hours for a minor procedure, the insurer will cover the costs. This includes tr...

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whatIsOk What Is Okay

This section outlines the satisfactory but not exceptional aspects of Energy Gold policy by HDFC Ergo. It includes features and benefits that are adequate and meet standard expectations. While these elements may not be extraordinary, they still contribute to the overall usefulness and reliability of the policy.

Special Bonus for being healthy and not claiming insurance

No Domiciliary Cover: The insurer will not cover the costs if you are forced to hospitalize at home due to a medical condition. This is known as a pol...

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whatWeDontLike What We Don't Like

This section addresses the limitations and drawbacks of Energy Gold policy by HDFC Ergo. It highlights areas where the policy may fall short or aspects that could be improved. Understanding these points is crucial for making an informed decision and managing expectations regarding the policy’s coverage and service.

No Cover for Alternative Medicine

Sum Insured Increase (10% Annually, Claim Reduction): Your sum insured increases by 10% each year, provided no claims are made during this period. The...

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No coverage if you are forced to hospitalize at home

No Domiciliary Cover: The insurer will not cover the costs if you are forced to hospitalize at home due to a medical condition. This is known as a pol...

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No coverage if you are forced to hospitalize at home

No Domiciliary Cover: The insurer will not cover the costs if you are forced to hospitalize at home due to a medical condition. This is known as a pol...

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Frequently Asked Questions

Medfin offers the latest surgical procedures to ensure that you
recover as fast as possible in the least painful way possible.

The claim settlement ratio for Energy Gold in 2024 is 99.41%. This high ratio demonstrates the insurer's commitment to efficiently processing claims, offering peace of mind to policyholders.

The Apollo Munich Energy Gold Plan is specifically designed to cater to individuals with diabetes, hypertension, and similar conditions.

Yes, the plan includes coverage for out-patient consultations, including visits to specialists and general physicians.

Pre-existing conditions are covered after a waiting period of 24 months under the Energy Gold Plan.

Yes, the plan covers diagnostic tests related to the treatment of covered illnesses, as part of both in-patient and out-patient care.

The claim settlement ratio for Energy Gold in 2024 is 99.41%. This high ratio demonstrates the insurer's commitment to efficiently processing claims, offering peace of mind to policyholders.

The HDFC ERGO Energy Gold Plan is designed for individuals aged 18 to 65 years, with coverage options available for family members as well.

Yes, the plan covers pre-existing conditions after a waiting period of 36 months.

Yes, the plan includes wellness benefits such as health check-ups, personalized health coaching, and discounts on health services.

Yes, the plan specifically caters to individuals with diabetes and hypertension, providing comprehensive coverage for these conditions.

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