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  • Introduction
  • What's included?
  • What's not included?
  • FAQs

Health Wallet for Individuals : A plan for today and tomorrow

 

How is health insurance useful for healthy individuals? Why should you have to pay for your OPD expenses? HDFC ERGO’s Health Wallet is loaded with exactly what you need and something extra too. Designed to redefine and revolutionize the concept of health insurance with
Reserve Benefit, it’s a flexible and comprehensive plan that will pay start paying for itself in a few years. What’s more?

Reasons to choose Health Wallet Individual Health Plan

Sum Insured Restore
Sum Insured Restore
Another striking feature of the Health Wallet is the Restore Benefit that automatically restores the sum insured if the base sum insured and Multiplier Benefit (if any) is exhausted during the policy period.
Multiplier Benefit
Multiplier Benefit
Health Wallet comes with a fantastic feature called Multiplier Benefit. In case of a claim-free year, your basic sum insured will increase by 50% at the time of renewal. And, if you do not claim even in the 2nd policy year, your base sum insured gets doubled. Isn't that amazing?
Preventive Health Check-up every year
Preventive Health Check-up
Health Wallet helps to keep track of your health status by offering a preventive health check-up at renewal irrespective of claims made. However, eligibility of health check-up limit is based on Reserve Benefit sum insured.
Reserve Benefit
Reserve Benefit
A benefit that not only covers your present but also grows continuously to help cushion the impact of healthcare cost in old age and out of pocket expenses. It is designed in such a way that it carries forward the unused amount to the next policy year and earns an interest of 6% on it. .
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What is covered in a Health Wallet Plan for Individual?

Hospitalization expenses

Hospitalization expenses

Just like every other health insurance plan, we cover you for hospitalization due to illnesses and injuries seamlessly.

Pre and post-hospitalisation

Pre and post-hospitalisation

It means all your pre-hospitalization expenses up to 60 days of admission and post-discharge expenses till 90 days get covered, like the costs for diagnostics, investigation etc.

Day-care procedures

Day-care procedures

Medical advancements help in wrapping up urgent surgeries and treatments in less than 24 hours, and guess what? We cover up to 182 day-care systems.

Emergency Road Ambulance

Emergency Road Ambulance

If you need to, rush to a hospital in case of an emergency. Your ambulance costs are covered up to ₹. 2000 per hospitalization.

Organ Donor Expenses

Organ Donor Expenses

Organ donation is a noble cause.Hence, we cover the medical and surgical expenses of the organ donor when harvesting a major organ transplant.

Lifelong renewability

Lifelong renewability

Once you get yourself secured with our health insurance plan, there’s no looking back. This health insurance plan continues for your entire lifetime on break free renewals.

Treatments with Homecare

Treatments with Homecare

If your Doctor recommends you can get yourself treated at home and avail cashless medical facilities, then this feature would be of utmost help.

AYUSH Benefits

AYUSH Benefits

Let your belief in alternate therapies like Ayurveda, Unani, Siddha and Homeopathy stay intact as we cover hospitalization expenses for AYUSH treatment as well.

No sub-limit on room rent

No sub-limit on room rent

If you have to stay at the hospital, choose a comfortable and convenient room for yourself, without bothering about its bills. We give you complete coverage on room-rent, up to the sum insured.

Recovery benefit

Recovery benefit

If you stay in a hospital for more than 10 days at a stretch, then we pay a lump-sum of ₹13,000 for other financial losses that might have happened due to your absence at home.

Save Tax up to ₹75,000

Save Tax up to ₹75,000

Did you know that a health insurance plan is not just meant to safeguard your savings but also help you save Tax? Yes, you can save up to ₹75,000 with HDFC ERGO Health Insurance plans.

What is not included in Health Wallet Individual Health Plan?

Adventure sport injuries
Adventure sport injuries

Adventure sports can give you an adrenaline rush, but when coupled with accidents, they can be hazardous. Our policy does not cover accidents encountered while participating in adventure sports.

Self-inflicted injuries
Self-inflicted injuries

If you think of causing injury to your precious self our policy will not cover self-imposed injuries.

War
War

War can be disastrous and unfortunate. However,our policy does not cover any claim that are caused due to wars.

Participation in defense operations
Participation in defense operations

Our policy does not cover accidents while you are participating in defense (Army/Navy/Air Force) operations.

Venereal or Sexually transmitted diseases
Venereal or sexually transmitted diseases

We do understand the criticality of your disease. However,our policy does not cover venereal or sexually transmitted diseases.

Treatment of Obesity or Cosmetic Surgery
Treatment of obesity or cosmetic surgery

Treatment of obesity or cosmetic surgery is not eligible for coverage under your insurance policy.

For detailed inclusion and exclusion please refer the sales brochure/policy wordings

Waiting Periods

First 24 Months From Policy Inception
First 24 Months From Policy Inception

Few illnesses & treatments are covered after 2 years of policy issuance.

First 36 Months from Policy Inception

First 36 Months from Policy Inception

Declared and/or accepted pre-existing conditions at the time of application will be covered after first 3 years of continual renewals.

First 30 Days from Policy Inception
First 30 Days from Policy Inception

Only accidental hospitalisations shall be admitted.

Frequently asked questions

1.Who can get insured with Individual Health Wallet health insurance plan?
Adults: 18 to 65 years of age
Child: 91 days to 25 years of age
Self, Spouse, Dependent Children & Dependent Parents or parents in law
If the insured is admitted in the hospitals for more than 24 hours for treatment, this policy will pay for medical expenses. It covers medical expenses like • Room rent,
  • Boarding expenses,
  • Nursing,
  • Intensive care unit,
  • Medical Practitioner(s),
  • Anesthesia, blood, oxygen, operation theatre charges, surgical appliances,
  • Medicines, drugs and consumables,
  • Diagnostic procedures
The Cost of prosthetic and other devices or equipment if implanted internally during a Surgical Procedure.
Medical expenses like
1. Doctor’s consultation Fee
2. Diagnostic Charges
3. Medicine Bills
A maximum of 6 members can be added in a single individual policy. In an individual policy, amaximum of 4 adults and a maximum of 5 children can be included in a single policy. The 4 adults can be a combination of Self, Spouse, Father, Father in law, Mother or Mother in law
Covers expense on treatment of illness or conditions first manifested during the Policy Period while travelling overseas up to a maximum of 20 L, provided Hospitalisation or Day Care Procedure was necessary and was done.
Reserve benefit is an additional sum insured available under the plan, sum insured for reserve benefit is dependent of combination of sum insured and deductible opted.
3 lacs5 lacs10 lacs15 lacs20 lacs25 lacs50 lacs
Reserve Benefit Sum InsuredNo Deductible500050001000010000150002000025000
200,000 Deductible500050001000010000150002000025000
300,000 DeductibleCombination not offered5000500010000100001500015000
500,000 DeductibleCombination not offeredCombination not offered500010000100001500015000
10,00,000 DeductibleCombination not offeredCombination not offeredCombination not offeredCombination not offered100001500015000
Reserve benefit is an additional sum insured avai
lable under the plan, sum insured for reserve benefit is dependent of combination of sum insured and deductible opted.
i. Out-patient expenses. This includes –
  • Diagnostic Tests
  • Vaccinations
  • Pharmacy
  • Consultations with a Medical Practioner, Physiotherapist, Dietician, Speech therapist, Psychologist
  • Dental expenses
  • Spectacles, contact lenses
  • Hearing aids
  • Medical devices like C-PAP, Bi-PAP, Blood Pressure monitors, Blood sugar monitors and supplies, Heart rate monitors, Portable ECG’s, Pulse Oxymeters, Prosthetics etc.
  • Special health foods and supplements (food for diabetics/hypertensive and special health conditions, proteins and supplements etc)
ii. Incidental medical expenses. This includes –
  • Co-payment and / or Deductible for any health insurance claim
  • Standard non-payable items under any health insurance claim
  • Other Medical Expenses not covered under any medical insurance (For example cosmetic treatment, Alzheimer’s etc.)
As with our other plans and company philosophy in such cases we suggest that the insured should opt for a higher sum insured rather than opting to buy additional policies.
Reserve Benefit Sum InsuredPlan500010000150002000025000
For Non Deductible plansIndividualNot OfferedUpto ₹1500, per individualUpto ₹2500, per individualUpto ₹3000, per individualUpto ₹3500, per individual
For Deductible plansIndividualNot OfferedUpto ₹1000, per individualUpto ₹2000, per individualUpto ₹2500, per individualUpto ₹3000, per individual
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