HDFC ERGO Optima Restore Plan - Check Complete Details
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HDFC ERGO Optima Restore Plan

HDFC ERGO's Optima Restore is a comprehensive health insurance plan fo ...Read More

Up to 2 Cr
Sum insured
1
No. of plans
200+
Pan India presence
95.30%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,720 reviews
🏥 15,000+ hospitals
📊 2.00 solvency ratio
✅ 95.30% claim settlement

Overview

HDFC ERGO Optima Restore Policy is HDFC ERGO's best-selling plan since its launch. It offers comprehensive health cover to you and your family under two variants: Optima Restore Individual and Optima Restore Family. The two unique advantages of HDFC ERGO Optima Restore health insurance are the Restore benefit and the 2X Multiplier benefit.

The HDFC ERGO Optima Restore Benefit allows 100% restoration of your cover immediately after the first claim. The Multiplier benefit offers a 100% increase in your Sum Insured (SI) amount in two claim-free years. Other major coverage benefits included under HDFC ERGO Optima Restore health insurance are renewal discounts, recovery benefits, organ donor cover, etc.

Exclusions

  • Hospitalization due to war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • AIDS
  • Miscarriage and abortion
  • Congenital disease
  • Infertility and in vitro fertilization
  • Listed ailments after 24 Months
  • Pre-existing diseases after 36 Months

HDFC ERGO Optima Restore Premium

Optima Restore by HDFC ERGO provides various options to choose the SI amount and the number of members one can cover under a policy. Consequently, its policy premiums vary according to the customization of HDFC ERGO Health Optima Restore plans at policyholders' convenience. Therefore, to make the premium calculation easier for you, PolicyX.com has represented some sample premiums of HDFC ERGO Optima Restore health insurance based on different combinations of SI and insured members for a 1-year policy term.

For Individuals

Age (Male)Sum InsuredSample Annual Premium (1A)
30 Years5 Lakhs8852
30 Years15 Lakhs13873
30 Years25 Lakhs17648
30 Years50 Lakhs22691

For Family Floater

Age (Male)Sum InsuredSample Annual Premium (2A)Sample Annual Premium (2A+1C)
30 Years5 Lakhs1593522603
30 Years15 Lakhs2497134017
30 Years25 Lakhs3176743247
30 Years50 Lakhs4084355639

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
5 to 65 years
Plan type
Individual and Family Health Insurance
Sum insured options
₹3 L, ₹5 L, ₹10 L, ₹15 L, ₹20 L, ₹25 L, ₹50 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1, 2 years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Restore benefit
  • 2X Multiplier benefit
  • Renewal discounts

Cons

  • AYUSH not covered
  • OPD cover unavailable
  • Global health cover

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Not covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Not covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Covered
  • Health check-up Not covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Not covered
  • Sub-limits Not covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

HDFC ERGO Optima Restore Plan

HDFC ERGO Optima Restore Plan

HDFC Ergo Health Insurance Plan Detailed Review

HDFC Ergo Health Insurance Plan Detailed Review

HDFC ERGO Health Insurance Network Hospital List

HDFC ERGO Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, HDFC ERGO Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry Age: 18: 65 Years
  • Sum Insured: 3 | 5 | 10 | 15 | 20 | 25 | 50L
  • Initial Waiting Period: 30 Days

Frequently Asked Questions

The 10 most-asked questions about HDFC ERGO Optima Restore Plan, answered.

In most cases, dental treatments are not covered under the standard health insurance plan. However, if a dental treatment happens due to an accident and it needs a minimum of 24 hours of hospitalization, only then HDFC Optima Restore health insurance will cover dental treatment.
Multiplier benefit is a feature that doubles your sum insured after 2 claim-free years.
No, Maternity related expenses are not covered under this plan.
If the customer wants to discontinue the policy, then he has the option to cancel the policy by giving written notice at any of the HDFC ERGO health insurance branches or he/she can call on the company’s Toll-free number.
The restored amount will not be carried forward to the next year. You can only use it in a policy year.
You can renew your HDFC optima restore policy in these simple steps: Visit the official website Click on Renew tab Enter your policy number/ mobile number/ Email ID Make payment and renew your policy for another year
Sum insured will be reinstated under these situations: Partial use of sum insured Full use of sum insured In all the above situations, the restoration amount will be equal to your base sum insured.
No, you don’t have to send any request to activate the restore benefit. Restore Benefit is completely autonomous and it refills the sum insured amount once a claim is settled.
Optima Restore plan offers a portability option. So, if you have a health insurance policy from another Insurer, you can port to HDFC ERGO Optima Restore with all your accrued benefits and can HDFC Ergo Optima Restore benefits.
Here is the list of additional treatments and conditions that are covered under the plan: Treatment for correction of eyesight due to refractive error beyond +/- 7.5 dioptres Genetic diseases or disorders Neurodegenerative disorders like Parkinson’s, Alzheimer’s Any mental illness, stress, or psychological disorders Peritoneal dialysis Expenses related to any admission primarily for enteral feedings Obesity/Weight control treatment (if specified conditions are met) Post Hospitalization expenses for Domiciliary treatment Age-Related Macular Degeneration (ARMD) Expenses on Artificial life maintenance (including life support machine use) up to the vegetative state, irrespective of whether such treatment results in recovery of restoration of the previous state of health or not

Explore HDFC ERGO Health Insurance

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Simran saxena — Health and Term Insurance Reviewed by Raj Kumar — Health Insurance
Last updated: 25 Jul 2026 · Originally published: 4 Nov 2024

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