diff --git a/bitcoind/healthcheck.sh b/bitcoind/healthcheck.sh
index 9131b63..dc71e54 100755
--- a/bitcoind/healthcheck.sh
+++ b/bitcoind/healthcheck.sh
@@ -1,11 +1,19 @@
 #!/bin/sh
 
+set -ex
+
 if [[ "$BITCOIN_CHAIN" = "regtest" ]]; then
-  # Check if the wallet already exists
+  # Check if default wallet isn't loaded
   if ! bitcoin-cli listwallets | grep -q "default"; then
-    # If the wallet does not exist, create it
-    bitcoin-cli createwallet default
+    # Check if default wallet is present and needs to be loaded
+    if bitcoin-cli listwalletdir | grep -q "default"; then
+      bitcoin-cli loadwallet default
+    else
+      # create default wallet since no file was found
+      bitcoin-cli createwallet default
+    fi
   fi
+
   block_count=$(bitcoin-cli -chain=$BITCOIN_CHAIN getblockcount)
   if [[ "$block_count" = "0" ]]; then
     bitcoin-cli generatetoaddress 101 $(bitcoin-cli -chain=$BITCOIN_CHAIN getnewaddress)