Healthcare Insurance Plans | Check Your Insurance Coverage

What We Like

This section highlights the strengths and benefits of Energy Silver 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

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. And if you’ve opt...

Learn More

You can pick any room you like

Shared room, single room, deluxe room or any room that’s available. The insurer won’t nitpick on your choice of room since the policy has no restricti...

Learn More

Reasonable waiting period for pre-existing diseases

If you are already dealing with diabetes or hypertension, then the insurer will cover you from day 1. However, if you are dealing with other pre-exist...

Learn More

Good Restoration Benefit

Even after you claim part of the cover on one occasion, you will have 100% of the cover restored, so that you can use this benefit in the event you ha...

Learn More

You always have full cover irrespective of the disease

No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insur...

Learn More

Pre & Post hospitalization expenses covered

No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amou...

Learn More

Day Care treatments covered

If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy ...

Learn More

What Is Okay

This section outlines the satisfactory but not exceptional aspects of Energy Silver 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

The insurer will not cover the costs if you are forced to hospitalize at home due to a medical condition. In insurance lingo, they call this a policy ...

Learn More

What We Don't Like

This section addresses the limitations and drawbacks of Energy Silver 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 coverage if you are forced to hospitalize at home

The insurer will not cover the costs if you are forced to hospitalize at home due to a medical condition. In insurance lingo, they call this a policy ...

Learn More