Sign-in / Sign-up
Soaring costs of medicare expenses and rising cost of health insurance premiums with age are a cause of worry. How about a plan that will start paying for its renewals in few year? You heard it right!
Health Wallet Family Floater- A plan for today and tomorrow
Soaring costs of Medicare expenses and rising cost of health insurance premiums with age are a cause of worry. How about a plan that will start paying for its renewals in few year? You heard it right! 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. And there is more to it.
Reasons to choose Health Wallet Family Health Plan
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
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
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
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.
What is not included in Health Wallet Family Health Plan?
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
If you think of causing injury to your precious self our policy will not cover self-imposed injuries.
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
Our policy does not cover accidents while you are participating in defense (Army/Navy/Air Force) operations.
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 is not eligible for coverage under your insurance policy.
Waiting Periods
First 24 Months From Policy Inception
Few illnesses & treatments are covered after 2 years of policy issuance.
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
Only accidental hospitalisations shall be admitted.
Day Care Procedures
Medical Expenses under 1a) Inpatient treatment on Hospitalization of\\nInsured Person in Hospital or Day Care Centre for Day Care Treatment
Post-Hospitalisation
Post-Hospitalisation expenses for consultations, investigations and\\nmedicines incurred upto 90 days after discharge from the Hospital\\n(In-patient, Day Care or Domiciliary Treatment).
Pre-Hospitalisation
Pre-Hospitalisation expenses for consultations, investigations and\\nmedicines incurred upto 60 days before the date of admission to the\\nhospital (In-patient, Day Care, or domiciliary hospitalization).
Ambulance
Expenses incurred on transportation of Insured Person to a Hospital\\nfor treatment in case of an Emergency, subject to Rs. 2000 per\\nHospitalisation.
Ayush Treatment
Expenses incurred on treatment taken under Ayurveda, Unani, Sidha\\nand Homeopathy in a AYUSH Hospital.\\nIMPORTANT: This benefit is not applicable if optional Deductible is\\nchosen.
Covered
Worldwide Emergency Care
Expense on treatment of illness or conditions first manifested during\\nthe Policy Period while travelling overseas, provided\\n• Hospitalisation or Day Care Procedure was necessary and was\\ndone.\\n• up to limits specified in the Schedule of benefits.\\n• Condition has been certified as an Emergency by a Medical\\nPractitioner, where such treatment cannot be postponed until the\\nInsured Person has returned to India.\\n IMPORTANT:\\na. For the purpose of this benefit, Hospital means “Any institution\\nestablished
Available
Pre-existing Disease
I. Expenses related to the treatment of a pre-existing disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous\\ncoverage after the date of inception of the first policy with insurer.\\nII. In case of enhancement of Sum Insured the exclusion shall apply afresh to the extent of sum of Sum Insured increase.\\nIII. If the Insured Person is continuously covered without any break as defined under the portability norms of the extant IRDAI (Health Insurance) R
Preventive Health Check-up
At each renewal, We will reimburse expenses incurred on preventive health check-up by an Insured Person upto the amount mentioned in the table below. This benefit is\\navailable ONLY to those Insured Persons who were insured in the previous Policy Year.\\nIMPORTANT: This benefit does not carry forward if it is not claimed and would not be provided if Health Wallet Policy is not renewed further
Hospital Room Eligibility
Hospital room rent or boarding;
Maternity Code
a. Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic\\npregnancy;\\nb. Expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy during the Policy period.
Domiciliary Treatment
Medical treatment for an Illness/disease/injury which in the normal\\ncourse would require care and treatment at a Hospital but is actually\\ntaken while confined at home under any of the following circumstances:\\ni. The condition of the patient is such that he/she is not in a condition\\nto be removed to a Hospital or,\\nii. The patient takes treatment at home on account of non availability\\nof room in a Hospital.
