Health Wallet Family Floater
  • Worldwide Emergency Care Cover
  • Avail 6% interest on your un-used SI
  • Homecare treatment on a cashless basis
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HDFC ERGO Health Wallet Family Floater

HDFC ERGO health wallet plan is a comprehensive health insurance plan that not only insure your health today but also secures your health for the future. Health Wallet plan is a 360-degree health plan that provides coverage to you on an individual and family floater basis. You can also buy this plan as a top-up plan where it increases your basic plan sum insured. It covers your Inpatient and all outpatient expenses and protects you from all future financial worries.

HDFC ERGO Health Wallet Specifications

Take a look at the following HDFC ERGO Health Wallet specification and understand the plan and its eligibility in a better way:

Sum Insured

3 | 5 | 10 | 15 | 20 | 25 | 50 Lakhs

Entry Age

Min: Adult: 18 Days,Child: 91 Days Max: Adult: 65 Years, Child: 25 Years

Plan Type

Individual/Family Floater

Policy Term

1 | 2 | 3 Years

Renewability

Lifelong

Initial Waiting Period*

30 Days

*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.

Read more specifications in the brochure.

HDFC Ergo Health Wallet Plan Coverage

HDFC ERGO Health Wallet offers a wide range of coverage under its plan types i.e. Individual health insurance and family health insurance.

What is Room Rent?

Room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common Room categories covered under room rent are:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under HDFC ERGO Health Wallet Plan?

The room rent expenses are covered up to your selected SI amount under this policy.

What are ICU Charges?

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under HDFC ERGO Health Wallet Plan?

ICU charges are covered under this plan.

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under HDFC ERGO Health Wallet Plan?

This plan covers medical expenses of up to 60 days before your hospitalization.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under HDFC ERGO Health Wallet Plan?

This plan covers medical expenses of up to 90 days after you get discharged from the hospital.

What is Domiciliary Hospitalization?

Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.

Coverage status under HDFC ERGO Health Wallet Plan?

Under this plan, the domiciliary hospitalization that exceeds 3 days is covered.

What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under HDFC ERGO Health Wallet Plan?

This plan covers all day care procedures.

What are OPD charges?

The cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under HDFC ERGO Health Wallet Plan?

OPD treatments are covered under reserve benefits.

What is COVID-19 Treatment?

Covers the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under HDFC ERGO Health Wallet Plan?

COVID-19 treatment is covered under this plan.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under HDFC ERGO Health Wallet Plan?

This plan offers coverage for Cataract treatment after a 2-year waiting period.

What is a No-Claim Bonus?

This plan offers a 50% increment in the sum insured at the time of renewal after a claim-free year. In case of a claim, the bonus amount added to your SI will be decreased by 50%.

What is Automatic Restoration?

Automatic restoration equal to 100% of your selected SI amount is provided under this plan if the basic sum insured and the multiplier benefit get exhausted.

What is Daily Hospital Cash?

It is a cash amount that you will get each day during the time of hospitalization.

Coverage status under HDFC ERGO Health Wallet Plan?

Daily hospital cash benefit is not available under this plan.

What is an Organ Donor Cover?

Your health plan will cover the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under HDFC ERGO Health Wallet Plan?

The plan provides coverage for organ donor expenses up to your selected Sum Insured amount.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedures deliveries.

Coverage status under HDFC ERGO Health Wallet Plan?

Maternity cover is not available under this plan.

*It is generally not covered under most health insurance plans as pregnancy is a planned condition.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the new borncover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Pre-mature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under HDFC ERGO Health Wallet Plan?

Newborn baby expenses are not covered under this plan.

What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under HDFC ERGO Health Wallet Plan?

AYUSH treatment expenses are covered under the plan.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under HDFC ERGO Health Wallet Plan?

The plan does not offer coverage for IVF treatments.

What is a Modern Treatment?

Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under HDFC ERGO Health Wallet Plan?

This plan does not cover expenses related to modern cover treatments.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.

Coverage status under HDFC ERGO Health Wallet Plan?

This plan covers Ambulance charges of up to 2K per hospitalization.

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under HDFC ERGO Health Wallet Plan?

Air ambulance expenses are not covered under this plan.

What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under HDFC ERGO Health Wallet Plan?

The policy does not cover compassionate travel expenses.

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under HDFC ERGO Health Wallet Plan?

This plan offers 50% of the Sum Insured upto a maximum of INR 20 lacs for your treatment outside India.

What is E-Consultation?

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under HDFC ERGO Health Wallet Plan?

Not Available

What is a Health Checkup?

This plan offers preventive health checkups at the time of policy renewal and the health check-up limit is based on the Reserve Benefit sum insured.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company's network of medical practitioners.

Coverage status under HDFC ERGO Health Wallet Plan?

Not Available

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under HDFC ERGO Health Wallet Plan?

Vaccination charges are covered under the reserve benefits of the plan.

What is Co-payment?

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Status under HDFC ERGO energy diabetes Plan?

Not applicable

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to pay by the policyholder.

Status under HDFC ERGO energy diabetes Plan?

No defined sub limits

HDFC ERGO Health Insurance Network Hospital List

HDFC Ergo entails a wide network of cashless Hospitals that impact millions of lives PAN India. A well connected network of over 13,000+ cashless hospitals, HDFC Ergo ensures that you are medically secured, irrespective of the city you reside in.

HDFC ERGO Health Wallet Premium

HDFC ERGO Health wallet policy offers two plan types i.e. family and individual. To make the premium calculation easier for you, PolicyX.com has shown some sample premiums of HDFC ERGO Health wallet plan based on different Sum Insured amounts and number of insured members for the 1-year policy term with no deductible amount.

For Individuals

Age (Male)Sum InsuredSample Annual Premium (1A)
30 Years5 Lakhs14224
30 Years10 Lakhs22909
30 Years20 Lakhs32258
30 Years50 Lakhs49802

For Family Floater

Age (Male)Sum InsuredSample Annual Premium (2A)Sample Annual Premium (2A+1C)
30 years5 Lakhs1672919914
30 years10 Lakhs2649930083
30 years20 Lakhs3809942067
30 years50 Lakhs5806563201

HDFC ERGO Health Wallet plan Benefits

HDFC ERGO health wallet policy offers 5 additional benefits along with its basic coverages.

Sum Insured restore

It automatically restores the sum insured

Multiplier Benefit

It increases the sum insured

Preventive Health Checkup

It offers preventive health checkups

Recovery Benefit

It offers you INR 10K in case

Reserve benefit

Any unused amount is carried

Sum Insured Restore

It automatically restores the sum insured amount if the basic sum insured amount and multiplier benefit get exhausted.

Multiplier Benefit

It increases the sum insured amount by 50% at the time of renewal and your sum insured gets doubled if you do not claim in the 2nd year continuously.

Preventive Health Checkup

It is a web portal through which you can track your medical condition from various tests, and it stores all your medical records so that you can monitor your condition.

Recovery Benefit

It offers you INR 10K in case your hospitalization exceeds 10 continuous days.

Reserve benefit

Any unused amount is carried forward to the next year and you can earn a 6% bonus on it at the time of renewal.

HDFC ERGO Health Wallet Plan Exclusions

Take a look at some of the major exclusions of the HDFC ERGO Health Wallet Policy.

Permanent Exclusions

Mentioned below are the treatments and medical conditions which are not covered under HDFC ERGO Health Wallet health insurance:

Cosmetic or Plastic Surgery

Injuries resulting from a suicide attempt

Treatment of infertility, birth control, vicarious pregnancy, circumcision

Hospitalization due to alcohol, and drug abuse

Hospitalization due to War

External congenital diseases

Change of gender treatments

Treatment-related to Venereal or sexually transmitted diseases

Treatment of obesity

Coverage after Waiting Period

HDFC ERGO health Wallet covers certain diseases and treatments after a time period. These are:

Listed ailments afte 2 years

Pre-existing diseases after 3 years

Explore HDFC ERGO Health Insurance

Know more about HDFC ERGO Insurance plans, claim process, buying process, and contact details of the company by clicking on the sections below:

Claim Process

Click to know HDFC ERGO Health Insurance Claim Process.

Buying Process

Click to know HDFC ERGO Health Insurance Buying Process.

Contact Us

Feel free to contact HDFC ERGO Health Insurance for more details.

Renewal Process

Click here to Renew HDFC ERGO Health Policy Online

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Claim Settlement Ratio

Click here to HDFC ERGO Health Insurance Claim Settlement Ratio

Explore other HDFC ERGO Health Plans

HDFC ERGO offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, senior citizens.

HDFC ERGO Critical Illness Policy

An ideal health plan for people with a pre-existing critical illness or a family history of critical illnesses. Get comprehensive coverage for 15 critical illnesses.

Unique Features

  • One-time lump sum payment
  • No medical checkup up to 45 years
  • Lifelong renewability

Designed especially for people with pre-existing diabetes or hypertension. Get coverage for diabetes and hypertension from Day 1 without any waiting period.

Unique Features

  • Stay fit & earn reward points
  • 100% SI restoration
  • Health coach & wellness programs

A flexible and comprehensive health plan, securing your today & tomorrow. With 'Reserve Benefit' features, this plan grows unused policy amount @6% interest rate.*

Unique Features

  • Automatic SI restoration
  • Multiplier benefit
  • Free preventive health checkup

Covers all types of cancer at all stages with lifelong renewability option. If diagnosed with IV stage cancer or relapse, this plan pays 100% of SI as a lump sum.

Unique Features

  • Coverage for modern treatments
  • Second opinions available
  • Coverage for follow-up care

HDFC ERGO Koti Suraksha

An individual and family health plan providing SI of up to 1 crore to prepare you to meet constantly increasing medical inflation.

Unique Features

  • Free preventive health checkup
  • Multiple wellness services
  • Up to 10% of fitness discount

Avail of extra cover to meet medical expenses without any limitations by purchasing this deductible-based top-up plan.

Unique Features

  • Constant premiums post 61 years
  • No medical checkup up to 55 years
  • 5% discount on 2-year policy term

Offers 360-degrees protection to individuals & families along with utmost flexibility by providing multiple SI options (3-75l), EMI facilities, and lifelong entry option.

Unique Features

  • Fitness discounts during renewal
  • Room rent capping and co-pay
  • Loyalty discounts, recovery benefits

My:health Women Suraksha

Women-oriented health plan providing comprehensive medical insurance with major illnesses cover, and cancer cover all under a single plan but different variants.

Unique Features

  • Pregnancy & newborn complications
  • SI options from 3L - 1 Cr
  • Free preventive health checkup

Provides comprehensive medical coverage to individuals and families with different budgets by offering SI options ranging from 5 Lakhs to 50 Lakhs.

Unique Features

  • Free health checkup
  • 2X multiplier benefit
  • 100% SI restoration

Health Insurance Articles

HDFC ERGO Health Wallet Family Floater Plan: FAQs

1. Are there any discounts available under HDFC ERGO Health Wallet?

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.

2. How many family members can be added to HDFC ERGO Health Wallet?

A maximum of 6 members can be added to this policy.

3. How can I pay my HDFC ERGO Health Wallet policy premium?

The company allows the policyholder to pay through-

  • Cheque/Cash/Credit Card Payment
  • Electronic Clearing System
  • Online

4. Does the plan offer a grace period and free-look period to its customer?

Yes, it does. The plan comes with a 30 days grace period and 15 days free-look period.

5. Which family members can be covered under the plan?

You can cover yourself, your spouse, dependent children, dependent parents, and dependent parents-in-law under the HDFC ERGO Health Wallet policy.

6. Does HDFC ERGO Health Wallet Plan offer any Check-up benefits in the family floater plan?

Reserve Benefit Sum Insured Plan 5000 10000 15000 20000 25000
For Non Deductible plans Individual Not Offered Up to INR 1.5K per individual Up to INR 2.5K per individual Up to INR 3K per individual Up to INR 3.5K per individual
For Deductible plans Individual Not Offered Up to INR 1K per individual Up to INR 2K per individual Up to INR 2.5K per individual Up to INR 3K per individual

7. What are medical expenses that can be claimed from Pre and post-hospitalization?

Medical expenses like consultation fees of doctors, medicine bills, diagnostics charges can be covered under pre and post-hospitalization.

8. Is there any grace period for the renewal of the policy?

Yes, there is a 30 day grace period for the renewal of the policy.

9. What is worldwide emergency care cover?

If the policyholder needs medical treatment on an emergency basis while he/she is traveling abroad and he/she needs to be hospitalized in an international hospital then the cost of medical expenses is covered.

10. How many members can be covered under the individual policy?

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.

Read Reviews & Ratings

Customer Review Image

Subhro Jha

Hyderabad

September 14, 2022

It was great experiance with Policyx.com about the claims as i got rejection my claim from HDFC Ergo but after getting support of policyx.com i got my claim and the complete amount is given by...

Customer Review Image

Vedika Verma

Delhi

May 25, 2022

With several health plans, HDFC ERGO offers looks after the healthcare need of every individual. I am glad that I chose to buy health insurance from HDFC ERGO

Customer Review Image

Vedantu Singhania

Coimbatore

August 5, 2021

Thanks to HDFC ERGO Health Insurance company for ensuring that all the healthcare needs of your customers are looked after. I am glad that I got in touch with PolicyX.com who helped me at every...

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Usha Dodiya

Indore

May 20, 2021

Policyx.com give very good insurance policy I will recommend to everyone and manager support is very gool

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harish kumar

Delhi

March 16, 2021

thanks to Policyx and HDFC to provide good service at the time of claims he help me two times and provide 100% cashless benefit

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ambika chauhan

Chennai

March 4, 2021

i am happy that i recieved my claim today. got good support. after first rejection i was scared, but i got it due to the sipport of policyx

Customer Review Image

Ashu Goyal

Ludhiana

March 4, 2021

I have taken the policy of HDFC ergo by Policy X.Com , Claim settlement Tat is very Good . Policy X.com team is helpful about claim settlement without any issue.

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Meenakshi Singh

Delhi

March 4, 2021

I took this policy from Policyx as this company have helped my friend at his time of need which is claim compensation and I was extremely happy that with so much patience they have helped and e...

View All HDFC Ergo Health Insurance Reviews