HDFC ERGO Health Wallet Health Insurance

Health Wallet by HDFC ERGO General Insurance is a medical insurance plan which provides unique coverage benefits. It is an indemnity oriented health insurance plan which pays for the hospitalisation costs incurred. Moreover, the plan can be taken on an individual or family floater basis. A unique feature about the plan is that the unutilised amount of the plan’s coverage under Reserve Benefit can be carried forward to the next year and can be accumulated for high medical costs later on. Moreover, the accumulated carried forward benefit can also be used to pay for OPD expenses or the premium of the policy.

The sum insured under the policy starts at Rs. 3 Lakh and goes up to Rs. 50 Lakh. All the basic coverage benefits are included like inpatient hospitalisation, ambulance costs, organ donor cover, day care treatments, etc. Moreover, there are value-added benefits like multiplier benefit, restore benefit, recovery benefit, etc.