HDFC ERGO Health Wallet Health Insurance
Cashless Approval TAT | 45 mins Cashless Claim Processing |
Claim Settlement Ratio | 100% |
Network Hospitals | 12,000+ |
PED Coverage Starting From | 3 year |
Special Benefits | 2X Cover from Day 1 |
Starting Premium | Rs. 1090/month |
About HDFC ERGO Health Wallet Health Insurance
Health Wallet by HDFC ERGO General Insurance is a medical insurance plan which provides unique coverage benefits. It is an indemnity oriented health insurance plan which pays for the hospitalisation costs incurred. Moreover, the plan can be taken on an individual or family floater basis. A unique feature about the plan is that the unutilised amount of the plan’s coverage under Reserve Benefit can be carried forward to the next year and can be accumulated for high medical costs later on. Moreover, the accumulated carried forward benefit can also be used to pay for OPD expenses or the premium of the policy.
The sum insured under the policy starts at Rs. 3 Lakh and goes up to Rs. 50 Lakh. All the basic coverage benefits are included like inpatient hospitalisation, ambulance costs, organ donor cover, day care treatments, etc. Moreover, there are value-added benefits like multiplier benefit, restore benefit, recovery benefit, etc.
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Key Inclusions and Exclusions of the Plan
What's Included
- 100% restoration of sum insured if the coverage limit is used up in a policy year
- Lump sum recovery benefit of INR 10,000 if hospitalisation exceeds 10 days
- Free annual health check-ups every year
- Worldwide emergency coverage for up to 50% of the sum insured
- Reserve benefit of Rs. 5000 to Rs. 25,000 every year which can be carried forward if not utilised
What's Not Included
- Attempted suicide or self-inflicted injuries
- Treatment for an injury due to war and related perils are not covered
- Expenses incurred for the diseases due to the use or abuse of alcohol and drugs are excluded
- All treatment related to cosmetic is not covered under the policy
- Obesity or wealth control related treatments are not covered by the policy
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FAQs on Health Wallet Health Insurance Plan
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What is the multiplier benefit?
Multiplier benefit is a no claim bonus which is allowed if no claim is made in a policy year. For every claim-free year, the sum insured increases by 50% and, therefore, doubles after two claim-free policy years.
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What are the eligibility requirements of buying the plan?
Individuals aged 91 days and above and up to 65 years can buy the plan. Children aged 91 days to 5 years are allowed coverage only when either parent is insured under the plan
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Which family members can be covered under the plan?
Self, spouse, dependent children, dependent parents and dependent parents-in-law can be covered.
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For how long can the policy be renewed?
The policy offers lifelong renewals without a maximum limit on exit age.