Energy health Insurance

Energy health Insurance plan covers individuals in the age group of 18 to 65 years at entry, who are currently diagnosed with Type II Diabetes or Pre-Diabetes (Impaired Fasting Glucose/Impaired Glucose Tolerance) or Hypertension. The plan can be issued to an individual only and can be taken for the sum insureds of Rs. 2,00,000; 3,00,000; 5,00,000 and 10,00,000. Click here for the energy health policy wordings.

Coverage
Variants
Exclusions

1. The Health Coverage

Day one coverage for all hospitalisation arising out of Diabetes and Hypertension (No waiting period)
In-patient hospitalisation
Pre and post hospitalisation cover of 30 and 60 days respectively
Day care coverage for 144 day care procedures
Emergency ambulance coverage
Organ donor expenses

2. The Wellness program

Wellness Test 1	HbA1c, Blood Pressure Monitoring, BMI Wellness Test
Wellness Test 2	HbA1c, FBS, Total Cholesterol, Creatinine, High-Density Lipoprotein (HDL) , Low-Density Lipoprotein (LDL), Triglycerides (TG), Total Protein, Serum Albumin, Gamma-Glutamyltransferase (GGT), Serum Glutamic Oxaloacetic Transaminase (SGOT), Serum Glutamic Pyruvic Transaminase (SGPT), Billirubin, Total Cholesterol: HDL Cholesterol, ECG, Blood Pressure Monitoring, BMI, Doctor Consultation

Silver plan: Cost for wellness tests is excluded.
Gold plan: Cost for wellness tests is included.

Any pre-existing condition (other than diabetes or hypertension) will be covered after a waiting period of 3 years.
Expenses arising from HIV or AIDS and related diseases.
Congenital diseases, mental disorder or insanity, 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.