HDFC Ergo
Energy (Gold)
Plan & insurer snapshot
✅ Claims (No.)
95.19%
Latest disclosed settlement ratio by number of claims.
❌ Rejection Ratio
2.47%
Lower is generally better for policyholders.
🏥 Cashless Hospitals
15,000+
Reported size of network hospitals.
💬 Complaints
0.15%
Complaint incidence on claims experience.
✨ Expert Verdict
Energy (Gold) is a health insurance plan from HDFC Ergo. Review policy wording and add-on details before final purchase.
Pros
- Refill benefit available (Once in a policy year).
- Modern treatment procedures are covered.
Cons
- Co-pay applies on claims.
- Room rent has a cap, which may increase out-of-pocket costs.
Key Features
Room Rent
Capped
Co-Pay
Yes
Disease Sub-limit
Not specified
Pre-Hospitalisation
Not specified
Post-Hospitalisation
Not specified
Refill Trigger
Partial exhaustion of Sum Insured
Waiting Periods
Initial Waiting Period
30
Specific Disease Waiting
2
Pre-existing Disease Waiting
2