HDFC ERGO Health Wallet Health Insurance

Multiplier benefit is a no claim bonus which is allowed if no claim is made in a policy year. For every claim-free year, the sum insured increases by 50% and, therefore, doubles after two claim-free policy years.

Individuals aged 91 days and above and up to 65 years can buy the plan. Children aged 91 days to 5 years are allowed coverage only when either parent is insured under the plan

Self, spouse, dependent children, dependent parents and dependent parents-in-law can be covered.

The policy offers lifelong renewals without a maximum limit on exit age.

There is an initial waiting period of 30 days after buying the policy during which illnesses suffered would not be covered. Thereafter, specific ailments like hernia, cataract, etc. are covered after a waiting period of 2 years. For pre-existing illnesses, the waiting period is 3 years.

Ambulance costs are covered for up to Rs. 2000 per instance of hospitalisation.

AYUSH treatments mean treatments taken under non-allopathic medical practices like Ayurveda, Unani, Siddha and Homeopathy.

Pre-entrance medical check-ups might be required depending on the age of the insured and the sum insured opted for. If the tests are conducted and the policy is accepted by the insurance company, the cost of the medical check-ups would be reimbursed fully.

Under worldwide emergency care, if the insured suffers a medical emergency when travelling abroad and is hospitalised in an international hospital, the cost of treatments are covered.