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Optima Lite Health Insurance Plan
HDFC ERGO Optima Lite Health Insurance Plan is an affordable policy providing necessary health insurance coverage to individuals and famili…
- 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 that offers 360-degree healthcare cover ...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 · 2,708 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 to you on an individual and family floater basis. You can also buy this plan as a top-up plan which increases your basic plan sum insured. It covers your inpatient and all outpatient expenses and protects you from all 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 coverages.
-
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 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, and nuclear weapons
- Intentional self-injury
- AIDS
- Miscarriage and abortion
- Congenital disease
- Infertility and in vitro fertilization
- Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:
- Listed ailments after 2 years
- Pre-existing diseases after 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, good for long-term planning but slightly co
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