Apollo Munich Insurance Plans

HDFC ERGO Energy Health for Diabetes Mediclaim Insurance

Apollo Munich Mediclaim Insurance

Coverage type
Coverage amount
Date of birth
  OR age    years
* Name, Email Id & Mobile No. are required 
HDFC ERGO Energy for Diabetes Health Insurance offers best India health insurance for people with diabetes and other conditions from diabetes. It offers comprehensive mediclaim coverage for expenses from treatment of diabetes.

HDFC Ergo Health (Apollo Munich) Insurance Review

HDFC Ergo Health (Apollo Munich) Insurance
Sum insured
1 lac − 50 lacs options available
Incurred Claims Ratio *
Tenure options
1 to 2 years
Claims Settlement Ratio **
List of network hospitals
10,000+ hospitals
Number of policies issued *
Maximum family floater coverage
Self, Spouse + 5 dependent children
Number of lives covered *
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

HDFC ERGO Health Formerly Apollo Munich Mediclaim Insurance

Feature Age
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.


Review HDFC ERGO health insurance - Energy for Diabetes brochure to understand coverage details.

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Proposal form

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Policy wordings

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HDFC Ergo Health (Apollo Munich) Insurance useful links

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Network hospitals

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  • Address

    InstantCover Insurance Web Aggregator Private limited
    710, 6th B Cross, 16th Main Road, Koramangala 3rd Block, Bangalore - 560 034.

  • +91-(80)-41101026
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022