Health Wallet Family Premium Calculator

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Lifelong Renewability

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Tax Savings up to ₹ 75,000* Tax

Why Us?

24x7 Customer Support

12000+ Cashless Network

60+ Million Lives covered

97% Claim Settlement ratio

Health Wallet - Key Benefits

Reserve Benefit – Your Health Wallet

Out-of-pocket medical expenses account for 62% of all healthcare costs in India. Pay freely for your out-of-pocket expenses with unique reserve benefit of Health Wallet. Use the Reserve Benefit to pay for: Consultations with a medical practitioner, Outpatient diagnostic tests, Purchase of special health food supplements, Non-payable items that are generally excluded from claim, Co-payment and/or deductible Use it as you want! (Please refer to the policy wordings for complete understanding of Reserve benefit) Also, you may choose to accrue the un-utilized Reserve Benefit from every policy year to cushion the impact of spiraling healthcare costs in old age. This accrued amount earns a bonus of 6% that you can use to pay up to 50% of your renewal premium, post 5 continuous renewals.

Restore Benefit

Your sum insured would be restored by 100%, in case you exhaust your sum insured. For example, if you have cover of 10L and you claim 10L out of it in the first month itself, then your sum insured would be restored by 10L that can be used in the remaining policy year.

Multiplier Benefit

Health Wallet comes with an amazing feature called Multiplier Benefit of up to 100%. 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 basic sum insured gets doubled.

Recovery Benefit

To cater to incidental expenses, Health Wallet offers you a lump sum amount of `10,000 in case your hospital stay exceeds 10 continuous days.

Deductible (OPTIONAL)

Have a health insurance cover already? Deductible Option with Health Wallet makes it a win-win with Health Wallet. This means all benefits that you can have at low premium. Deductible is cost sharing feature. It means that the insured takes care of his healthcare costs upto the deductible amount in the policy year by himself or through another existing policy. All Healthcare expenses beyond the deductible amount will be covered by us. The deductible will apply on Individual basis in case of individual sum insured policy and on Family Floater basis in case of Family Floater policy. If opted, it will apply to all insured person(s) under the policy.

Benefits Covered

Reserve Benefit

To cover your OPD expenses, Health Wallet comes with Reserve benefit. It also takes care of your out-of-pocket expenses.
The unused amount under Reserve Benefit accruesforward to the next policy year and also earns a 6% bonus at the time of renewal.
Later you can pay upto 50% of your renewal premium from the accrued Reserve benefit post 5 continuous renewals.
With Reserve benefit you can now pay for consultations with a medical practitioner, physiotherapist, dietician, speech therapist, you can also purchase medicines, vaccinations, dental expenses, spectacles, contact lenses and medical devicec like blood pressure and sugar monitors, oxymeters, prosthetics etc. It also covers for your outpatient diagnostic test and purchase of special health food supplements and many more.
Reserve benefit also gives you the flexibility of paying for non-payable items that are generally excluded from any health insurance claim such as Co-payment and/or deductible. With reserve benefit you can also pay for other medical expenses that are not payable otherwise under any medical insurance plan (Please refer to the policy wordings for complete understanding of Reserve benefit).

Restore Benefit

Get 100% restore of the base sum insured, if your base sum insured and Multiplier Benefit (if any) is exhausted during the policy period.
100% base sum insured is added to your cover automatically for that policy period.
Use the restore sum insured to pay your future claims.
If you have 5 lacs sum insured with Health Wallet, and make a claim of 5 lacs at the time of first claim, you will still have 5 lacs for your future claims in that policy period.

Multiplier Benefit

Multiplier Benefit rewardsyou by raising your sum insured after every claim free year up to 2 years.
Upto 100% bonus sum insured can be achieved.
After one claim free year you get 50% increase of sum insured at the time of renewal.
After two claim free years your basic sum insured gets doubled at the time of renewal.
If you choose 5 lacs sum insured while buying a product, and do not claim in the policy year, then you will have INR. 7.5 Lacs cover in next year. Similarly, if do not claim even in the second policy year you will have INR. 10 Lacs cover in the year after.

What are you not covered for?

List of exclusions under Health Wallet are as follows:

Expenses arising from HIV or AIDS and related diseases.
External Congenital diseases, mental disorder or insanity, cosmetic surgery and weight control treatments.
Expense attributable directly or indirectly to pregnancy (including voluntary termination), miscarriage (except as a result of an accident or illness).
Abuse of intoxicant or hallucinogenic substances like intoxicating drugs and alcohol.
Please refer to the policy wordings for complete understanding of benefits, terms and conditions and exclusions.
Drugs or treatments which are not supported by a prescription.
Hospitalization due to war or an act of war or due to a nuclear, chemical or biological weapon and radiation of any kind.
Pregnancy, dental treatment, external aids and appliances.
Items of personal comfort and convenience.
Experimental, investigative and unproven treatment devices and pharmacological regimens.

Plastic surgery or cosmetic surgery unless necessary as a part of medically necessary treatment.

Why trust HDFC ERGO General Insurance?

12000+
Cashless Network

#1.55+ Crore
Happy customers

1 Claim
Settled/minute

97% Claim
Settlement ratio

Free Annual
Health Check-ups

24x7 Claims and
customer Support

Why buy from us?

WE PAY CLAIMS: We have been catering to diversified customer needs by offering health insurance plans as per the age and budget requirements since last 16 years.

Buying a health insurance policy online helps in keeping your health records confidential as you don’t have to disclose the same to someone in person. Also, you can fill all the details and medical history information, which leaves no room for errors.

Get your policy with minimum documentation in 7 minutes
Pay your premium through multiple secured payment modes
In-house claim assistance and customer support, always eager to help you
Utmost transparency when it comes to handling claim queries and settling claims

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