Health Wallet Individual
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Health wallet is a win-win health insurance plan, through which you not only insure your health today but also secure your health for future. Health Wallet doesn’t let you loose your sleep or money over healthcare related issues.


  • Health Wallet comes with the option of life long renewal.
  • Sum insured can be enhanced at the time of renewal.
  • Comes with a unique Reserve benefit - covers OPD expenses & Insured can pay upto 50% of the renewal premium from accrued Reserve Benefit.
  • Recovery benefit available if the insured person is hospitalised beyond 10 continuous days.
  • Comes with switch benefit, option of converting into a full-fledged nil deductible plan by using the waiver of Deductible Benefit.
  • Sum insured can be enhanced at the time of renewal
  • Any pre-existing diseases/conditions will be covered after a waiting period of 3 years.
  • Tax rebate available as per provision of Income Tax Rules under section 80-D.
  • Get World Wide Coverage for in-patient treatment and daycare medical expenses incurred for emergency treatments sustained/contracted outside of India.
Title Description
Room Rent Limit Covered
ICU Daily Rent Limit Covered
Pre-Hospitalization Expenses 60 Days
Post Hospitalization Expenses 90 Days
Minimum Hospitalization Period 24 Hrs
Day Care Procedure Coverage Yes
Additional Cover for Critical Illness Optional
Automatic Restoration of Sum Insured Yes
Pre-Existing Disease / Illness coverage After 3 Years
Waiting Period for New Policy 30 Days
Free Health Checkup Upto Rs 3500 for Non Deductible plans & Upto Rs 3000 for Deductible plans.
Ambulance Expenses Upto Rs.2000
Non-Allopathic Treatments Covered
Nursing Allowance Covered
No Claim Bonus Upto 50%, max.100%