HDFC ERGO Health Wallet

HDFC ERGO Health Wallet benefits

• What’s Included under HDFC ERGO Health Wallet insurance?

  • Day Care Procedures
  • Pre-hospitalisation Cover
  • Post-hospitalisation Cover
  • Hospitalisation Expenses
  • Road Ambulance Cover
  • Organ Donor Expenses
  • Alternative Treatments (Non-Allopathic)
  • Restore Benefit
  • Domiciliary Treatment
  • Worldwide Emergency Care - Covers emergency hospitalisation expenses outside India upto the specified limithospitalisation exceeds 48 hrs.
  • Reserve Benefit

• Benefits of HDFC ERGO Health Wallet Insurance

  • In-patient Treatment- Covers hospitalisation expenses for period more than 24 hrs.
  • Pre-Hospitalisation- Medical expenses incurred in 60 days before the hospitalisation or domiciliary treatment.
  • Post-Hospitalisation- Medical expenses incurred in 90 days after the hospitalisation or domiciliary treatment.
  • Day-Care Procedures- Medical expenses for day care procedures
  • Organ Donor- Medical expenses on harvesting the organ from the donor for organ transplantation
  • AYUSH Treatment - The Medical Expenses for in-patient treatment taken under Ayurveda, Unani, Sidha and Homeopathy
  • Health Check-up – At each renewal, we will pay upto the amount stated for preventive medical check-up.
  • Multiplier Benefit – 50% increase in your basic sum insured for every claim free year, subject to a maximum of 100%. In case a claim is made during a policy year, the limit under this benefit would be reduced by 50% of the basic sum insured in the following year. However this reduction will not reduce the Sum Insured below the basic Sum Insured of the policy.
  • Tax benefit - The premium amount paid under this policy qualifies for deduction under Section 80D of the Income Tax Act, subject to applicable tax laws.
  • Preventive health check-up benefit - Health Wallet helps to keep track of your health status by offering a preventive health check-up at renewal irrespective of claims made. However, eligibility of health check-up limit is based on Reserve Benefit sum insured.
  • Waiting period - Health Wallet comes with initial waiting period of 30 days and 2 year exclusion for specific diseases; such as Cataract, Hernia, Hysterectomy and Joint replacement. Any pre-existing diseases/conditions will be covered after a waiting period of 3 years.

• Key highlights of Health Suraksha Regain

  • Optimized health insurance plans at affordable cost.
  • A network of more than 6000+ hospitals to choose from to avail cashless services.
  • No limit for age at entry.
  • Sum Insured 3,00,000, 4,00,000, 5,00,000, 7,50,000 & 10,00,000.
  • AYUSH cover available without any sub limit.
  • Enhanced Cumulative Bonus @ 10% per claim free year upto 100% of Sum insured.
  • Option to choose from Individual or Family Floater Health Insurance plans.
  • REGAIN benefit – Automatic availability of Sum Insured upon its exhaustion.