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Optima Lite Health Insurance Plan
HDFC ERGO Optima Lite Health Insurance Plan is an affordable health insurance policy that provides necessary health insurance coverage to i…
- Affordable premiums
- Unlimited restore benefit
- No disease-wise sub-limits
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HDFC ERGO Health Insurance
HDFC ERGO Health Wallet Family Floater
Comprehensive health insurance cover that offers 360-degree healthcare ...Read More
Up to 2 Cr
Sum insured
1
No. of plans
200+
Pan India presence
95.30%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,720 reviews
🏥 15,000+ hospitals
📊 2.00 solvency ratio
✅ 95.30% claim settlement
About HDFC ERGO Health Wallet Family Floater
A quick read on what this HDFC ERGO Health Insurance plan covers and why it might be a fit for you.
HDFC ERGO Health Insurance's Health Wallet plan is a comprehensive health insurance plan that not only ensures your health today but also secures your health for the future. The Health Wallet plan is a 360-degree health plan that provides coverage on an individual and family floater basis. You can also buy this plan as a top-up, which increases your basic plan sum insured. It covers inpatient and all outpatient expenses, protecting you from future financial worries.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
Child: 91 days to 25 years Adult: 18 to 65 years
Plan type
Individual and Family Health Insurance
Sum insured options
₹3 L, ₹5 L, ₹10 L, ₹15 L, ₹20 L, ₹25 L, ₹50 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1, 2, 3 years
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Inpatient and outpatient cover
- OPD cover
- Domiciliary hospitalization
Cons
- Air ambulance
- E-consultations
- Health check-up
- Modern treatment cover
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Covered
- Day-care treatment Covered
- OPD charges Covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Covered
- Automatic restoration of SI Covered
- Daily hospital cash Not covered
Family & special care
- Maternity cover Not covered
- New-born baby cover Not covered
- IVF treatment Not covered
- AYUSH treatment Covered
- Organ donor expenses Covered
Modern & preventive care
- Modern treatment Not covered
- Road ambulance Covered
- Air ambulance Not covered
- E-consultation Not covered
- Health check-up Covered
- Second medical opinion Not covered
- Vaccination Covered
Conditions & global
- Co-payment Not covered
- Sub-limits Not covered
- Compassionate travel Not covered
- Global coverage Covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
HDFC Ergo Health Insurance Plan Detailed Review
This review video of the HDFC ERGO health insurance plan discusses various options & variants this plan offers in India.
HDFC ERGO Health Wallet Plan Benefits
HDFC ERGO Health Wallet policy offers 5 additional benefits along with its basic coverage.
-
Sum Insured Restoration
Automatically restores the sum insured if the basic sum insured and multiplier benefit are exhausted.
-
Multiplier Benefit
Increases the sum insured by 50% at renewal, doubling it if no claims are made for two consecutive years.
-
Preventive Health Check-up
A web portal to track medical conditions from various tests and store medical records for monitoring.
-
Recovery Benefit
Offers INR 10,000 if hospitalization exceeds 10 continuous days.
-
Reserve Benefit
Any unused amount is carried forward to the next year, earning a 6% bonus at renewal.
HDFC ERGO Health Insurance Network Hospital List
HDFC ERGO Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, HDFC ERGO Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Take a look at some of the major exclusions of the HDFC ERGO Health Wallet Policy.
- Mentioned below are the treatments and medical conditions which are not covered under HDFC ERGO Health Wallet health insurance:
- Hospitalization due to war, riot, strike, or nuclear weapons
- Intentional self-injury
- HIV/AIDS
- Miscarriage and abortion
- Congenital diseases
- Infertility and in-vitro fertilization
- Certain diseases and treatments are covered under this plan after a specific time period. Read the details below:
- Listed ailments: 2 years
- Pre-existing diseases: 3 years
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Entry age: 18 to 65 years
- Initial waiting period: 30 days
- Sum insured: 3 to 50 Lakhs
- Policy term: 1/2/3 years
Other features & benefits
- Global coverage
- Daycare procedures
- Health check-up
- Vaccination charges
HDFC ERGO Health Wallet Family Floater Plan: FAQs
The 9 most-asked questions about HDFC ERGO Health Wallet Family Floater, answered.
Yes, the plan gives a discount of 7.5% on 2 years and 10% on 3 years policy premiums if paid in a lump-sum.
A maximum of 6 members can be added to this policy.
The company allows the policyholder to pay through- Cheque/Cash/Credit Card Payment Electronic Clearing System Online
Yes, it does. The plan comes with a 30 days grace period and 15 days free-look period.
You can cover yourself, your spouse, dependent children, dependent parents, and dependent parents-in-law under the HDFC ERGO Health Wallet policy.
Medical expenses like consultation fees of doctors, medicine bills, diagnostics charges can be covered under pre and post-hospitalization.
Yes, there is a 30 day grace period for the renewal of the policy.
If the policyholder needs medical treatment on an emergency basis while he/she is travelling abroad and he/she needs to be hospitalized in an international hospital then the cost of medical expenses is covered.
A single individual policy can cover up to 4 adults and 5 children. Self, Spouse, Father, Father-in-Law, Mother, or Mother-in-Law are all options for the four adults.
Conclusion
A flexible plan with a savings wallet and wide coverage, suitable for long-term planning.
Explore HDFC ERGO Health Insurance
HDFC ERGO Top-up Plans
HDFC ERGO Insurance for Parents
HDFC ERGO Family Plans
HDFC ERGO Critical Illness
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HDFC ERGO Policy Download
HDFC ERGO Premium Calculator
HDFC ERGO Claim Settlement Ratio
HDFC ERGO Health Insurance Renewal
HDFC ERGO Incurred Claim Ratio
HDFC ERGO Health Policy Cancellation
HDFC ERGO Health Check-up
HDFC ERGO Health Benefits
HDFC ERGO Claim Process
HDFC Health Insurance Customer Care
HDFC ERGO Maternity Health Insurance
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PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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