Health Wallet Family Floater Plan by HDFC ERGO - Check Complete Details
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HDFC ERGO Health Insurance HDFC ERGO Health Insurance ★ 4.4

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
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,708 reviews
🏥 15,000+ hospitals
📊 2.00 solvency ratio
✅ 95.30% claim settlement

Comprehensive health insurance that offers 360-degree healthcare coverage to insured family members, ranging from in-patient to out-patient hospitalization care.

Why Do We Recommend This?
  • Avail OPD and domiciliary hospitalization cover
  • Emergency global coverage for treatment or hospitalization
  • All sorts of daycare procedures are covered

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

A quick look at what this plan covers — and what it doesn't.

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

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 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.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

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

Frequently Asked Questions

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

Explore HDFC ERGO Health Insurance

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 1 Jun 2026 · Originally published: 30 Oct 2024

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