What is the Reserve Benefit in Health Wallet?

Reserve Benefit carries forward unused amounts to the next policy year and adds a 6% bonus at renewal. It can be used for consultations, medicines, diagnostics, dental expenses, spectacles, health supplements, and several other eligible healthcare expenses.

How does the Multiplier Benefit work?

If no claim is made during a policy year, the basic Sum Insured increases by 50% at renewal. After two consecutive claim-free years, the basic Sum Insured can double.

What is the Restore Benefit under Health Wallet?

If the base Sum Insured and Multiplier Benefit are exhausted during a policy year, the policy automatically restores 100% of the base Sum Insured once for future eligible claims.

Does Health Wallet provide coverage outside India?

Yes. The policy offers Worldwide Coverage for emergency inpatient and day care treatment expenses incurred outside India when treatment cannot be postponed until the insured returns to India.

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Health Insurance

HDFC ERGO

Health Wallet

Experience India's most trusted health insurance with HDFC ERGO Health Insurance. Get instant cashless treatment at 15000 network hospitals with sum insured up to ₹50 lakhs.

95

Claim Settlement Ratio

15000

Network Hospitals

0

Customer Rating

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95

Claim Settlement Ratio

15000

Network Hospitals

0

Customer Rating

Our Verdict

Expert Review: HDFC ERGO Health Insurance

Final Verdict

HDFC ERGO Health Wallet stands out because of its Reserve Benefit feature that grows over time and can be used for multiple healthcare expenses beyond hospitalization, making it suitable for customers seeking both protection and long-term healthcare value.

About

About HDFC ERGO Health Insurance

HDFC ERGO Health Wallet is a comprehensive health insurance plan designed to provide both hospitalization coverage and long-term healthcare savings benefits. Its standout feature is the Reserve Benefit, which carries forward unused amounts every year and adds a 6% bonus on renewal. The plan also offers Restore Benefit, Multiplier Benefit, Worldwide Emergency Coverage, Preventive Health Check-Ups, and optional deductible features. Over time, policyholders can use accumulated Reserve Benefits for a wide range of healthcare expenses including consultations, medicines, diagnostics, dental expenses, and wellness-related purchases.

HDFC ERGO Health Wallet is a comprehensive health insurance plan designed to provide both hospitalization coverage and long-term healthcare savings benefits. Its standout feature is the Reserve Benefit, which carries forward unused amounts every year and adds a 6% bonus on renewal. The plan also offers Restore Benefit, Multiplier Benefit, Worldwide Emergency Coverage, Preventive Health Check-Ups, and optional deductible features. Over time, policyholders can use accumulated Reserve Benefits for a wide range of healthcare expenses...

Inclusions and Exclusions

Inclusions and Exclusions of HDFC ERGO Insurance Company Limited

Room Rent

Normal: No Capping (Covered up to Sum Insured)
ICU: No Capping (Covered up to Sum Insured)

Advanced Treatments

Worldwide Emergency Treatment
Day Care Procedures
Preventive Health Check-Up
Unlimited Restore Add-On

Co-payment

None

Waiting Period

Initial Waiting Period: 30 days
Pre-existing Disease Waiting Period: 36 months

Cashless Healthcare Providers

14,000+ network hospitals across India

Daycare Treatment

Covered

AYUSH Treatment

Covered

Room Rent

Normal: No Capping (Covered up to Sum Insured)
ICU: No Capping (Covered up to Sum Insured)

Advanced Treatments

Worldwide Emergency Treatment
Day Care Procedures
Preventive Health Check-Up
Unlimited Restore Add-On

Co-payment

None

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Exclusions

Not available

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About the company

HDFC Ltd., India’s top financial services company, and ERGO International, part of Munich Re Group of Germany. The company offers a wide range of insurance products, including health, motor, travel, home, and commercial insurance. In health insurance, HDFC ERGO is known for flexible plans, large coverage options, and easy claim processes. It has a wide hospital network across the country for cashless treatments. The company also provides modern services like wellness programs, online claim filing, and round-the-clock support. HDFC ERGO is trusted by millions of customers for its reliable service and transparent policies. With strong financial backing and global expertise, it combines local understanding with international standards. The company focuses on customer satisfaction and aims to provide affordable protection for families, individuals, and businesses across...

HDFC Ltd., India’s top financial services company, and ERGO International, part of Munich Re Group of Germany. The company offers a wide range of insurance products, including health, motor, travel, home, and commercial insurance. In health insurance, HDFC ERGO is known for flexible plans, large coverage options, and easy claim processes. It has a wide hospital network across the country for cashless treatments. The company also provides modern services like wellness programs, online claim filing,...