HDFC ERGO Energy Health for Diabetes Mediclaim Insurance

HDFC ERGO Health Formerly HDFCERGO Health Mediclaim Insurance

• Benefits under HDFC ERGO Energy Health for Diabetes Mediclaim insurance

  Sum Insured	Rs. 2,00,000; 3,00,000; 5,00,000; 10,00,000; 15,00,000; 20,00,000; 25,00,000 and 50,00,000.
  Minimum entry age	18 years-25 years
  Maximum entry age	65 years
  Renewal age	lifelong
  Family Definition	Individual Plan - A maximum of 4 adults and a maximum of 5 children can be included
  Calculation of premium	Basis of age and the sum insured chosen
  Policy Tenure	1 & 2 years
  Sum Insured	2,00,000-50,00,000

• Exclusions under HDFC ERGO Energy Health for Diabetes Mediclaim insurance

  • Any pre-existing condition (other than diabetes or hypertension) will be covered after a waiting period of 2 years.
  • Expenses arising from HIV or AIDS and related diseases.
  • External Congenital diseases, cosmetic surgery and weight control treatments.
  • Abuse of intoxicant or hallucinogenic substances like intoxicating drugs and alcohol.
  • Hospitalization due to war or an act of war or due to a nuclear, chemical or biological weapon and radiation of any kind.
  • Pregnancy, dental treatment, external aids and appliances.
  • 2 years waiting period for specific diseases like cataract, hernia, joint replacement surgeries, surgery of hydrocele etc.
  • Items of personal comfort and convenience.
  • Experimental, investigative and unproven treatment devices and pharmacological regimens.