HDFC ERGO Health Wallet Insurance Wordings
Cashless Approval TAT | 45 mins Cashless Claim Processing |
Claim Settlement Ratio | 100% |
Network Hospitals | 12,000+ |
PED Coverage Starting From | 3 year |
Special Benefits | 2X Cover from Day 1 |
Starting Premium | Rs. 1090/month |
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HDFC ERGO Health Insurance Plan List
- Family (3)
- Individual (4)
- Cancer (1)
- Critical Illness (2)
- Diabetes (1)
- Parents (1)
- Senior Citizen (1)
Name of Plan | Sum Insured | |
Optima SecureMin: 91 Days, Max: 65 Years | Check Premium | |
Optima RestoreMin: 91 Days, Max: 65 Years | 3 Lakh | Check Premium |
my: health SurakshaMin: 91 Days; Max: No Limit | 3 Lakh | Check Premium |
Health Suraksha Top-Up Plus PolicyMin: 91 days; Max: 65 years | 3 Lakh - 10 Lakh | Check Premium |
my:Health Women Suraksha PolicyMin: 18 years; Max: 45 years | 1 Lakh - 1 Crore | Check Premium |
Dengue Care Policy Min: 91 Days; Max: 65 years | 50 Thousand - 1 Lakh | Check Premium |
Easy Health PolicyMin: 91 days; Max: 65 years | 1 Lakh - 50 Lakh | Check Premium |
my:Health Koti SurakshaMin: 18 years; Max: 65 years | Check Premium | |
Maxima PolicyMin: 91 Days; Max: 65 years | Check Premium | |
Day2Day Care PolicyMin: 91 Days; Max: 65 years | Check Premium | |
iCan CancerMin: 5 Years; Max: 65 Years | 5 Lakh | Check Premium |
Health WalletMin: 91 Days; Max: 65 Years | 3 Lakh | Check Premium |
EnergyMin: 18 Years, Max: 65 Years | 2 Lakh | Check Premium |
Optima SeniorMin: 61 Years; Max: No Limit | 2 Lakh | Check Premium |
Corona Kavach PolicyMin: 1 day ; Max: 65 years | 50,000 - 5 lakh | Check Premium |
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years | 1 Lakh - 5 Lakh | Check Premium |
Critical Illness PlanMin: 5 Years; Max: 65 Years | 5 Lakh | Check Premium |
HDFC ERGO Health Insurance Top Up List
- Top-up (4)
- Family (1)
- Individual (1)
Name of Plan | Sum Insured | |
Optima PlusMin: 91 Days; Max: 65 Years | 5 Lakh | Check Premium |
my: Health Medisure Super Top-upMin: 3 Months; Max: 65 Years | 3 Lakh | Check Premium |
Optima SuperMin: 91 Days; Max: 65 Years | 5 Lakh | Check Premium |
9552 HDFC ERGO Cashless Network Hospitals in India
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FAQs on Health Wallet Health Insurance Plan
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How does Reserve Benefit work?
There is a coverage limit on Reserve Benefit under the plan. This benefit covers the OPD expenses incurred by the policyholder on consultations, diagnostic tests, medicines, etc. After the end of the policy year, if the Reserve Benefit coverage is not utilised in full, the unused amount is carried forward to the next year. This accumulation continues every year there is an unused balance. Moreover, 6% bonus is also added on the carried forward balance. The accumulated balance can then be used to pay the premium or for OPD expenses.
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What is the multiplier benefit?
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.
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What are the eligibility requirements of buying the plan?
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
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Which family members can be covered under the plan?
Self, spouse, dependent children, dependent parents and dependent parents-in-law can be covered.
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For how long can the policy be renewed?
The policy offers lifelong renewals without a maximum limit on exit age.