Network hospitals
12000+
Incurred claim ratio
79.04%%
Sum insured
Up to 2 Cr
No. of Plans
1
Solvency Ratio
1.7
Pan India Presence
200+
HDFC ERGO Optima Restore Policy is the best-selling plan of HDFC ERGO since its launch. It offers comprehensive health cover to you and your family under two variants i.e. Optima Restore Individual and Optima Restore Family. The two unique advantages of HDFC ERGO health insurance optima restore are: Restore benefit and 2X Multiplier benefit.
HDFC ERGO Optima Restore Benefit allows a 100% restoration of your cover immediately after the first claim. Multiplier benefit offers a 100% increase in your SI amount in 2 claim-free years. Other major coverage benefits included under HDFC ERGO health optima restore are renewal discounts, recovery benefits, organ donor cover, etc.
To understand Optima Restore Plan Insurance in detail, take a look at the below table:
5 to 65 years
Individual and Family Health Insurance
3 L | 5 L | 10 L | 15 L | 20 L | 25 L | 50 L
30 Days
Lifelong
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.
Read more specifications in the brochure.
With wide coverage options available, Optima Restore Plan Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:
Room Rent
Covered
ICU Charges
Not Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Covered
Daycare Treatment
Covered
OPD Charges
Not Covered
COVID-19 Treatment
Covered
Cataract
Covered
No Claim Bonus
Covered
Automatic Restoration
Covered
Daily Hospital Cash
Covered
Organ Donor
Covered
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
AYUSH Treatment
Not Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Ambulance
Covered
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
E-Consultation
Covered
Health Check-Up
Not Covered
Second Medical Opinion
Not Covered
Vaccination
Not Covered
Co-payment
Not Covered
Sub-limits
Not Covered
The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).
It is a special hospital department where patients with serious medical conditions are treated.
Medical expenses incurred before hospitalisation of the policyholder.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.
Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .
It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.
A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.
For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.
It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.
Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.
It refers to the cover that includes expenses for normal and c-section deliveries.
It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:
Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.
An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.
Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.
In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.
HDFC Ergo Health Insurance Plan Detailed Review
HDFC ERGO Optima Restore Plan
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.
Optima restore by HDFC ERGO provides various options to choose 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 1-year policy term.
Age (Male) | Sum Insured | Sample Annual Premium (1A) |
30 Years | 5 Lakhs | 8852 |
30 Years | 15 Lakhs | 13873 |
30 Years | 25 Lakhs | 17648 |
30 Years | 50 Lakhs | 22691 |
Age (Male) | Sum Insured | Sample Annual Premium (2A) | Sample Annual Premium (2A+1C) |
30 Years | 5 Lakhs | 15935 | 22603 |
30 Years | 15 Lakhs | 24971 | 34017 |
30 Years | 25 Lakhs | 31767 | 43247 |
30 Years | 50 Lakhs | 40843 | 55639 |
Some treatments and medical conditions are generally not included under health insurance policies. Find what is not covered under HDFC ERGO optima restore health insurance in the section below:
Hospitalization out of war, riot, strike, and nuclear weapons
Intentional self-injury
AIDS
Miscarriage, and abortion
Congenital disease
Infertility and in vitro fertilization
Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:
Listed ailments after 24 Months
Pre-existing diseases after 36 Months
To cater to the different medical needs of an individual & their family, HDFC ERGO Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to HDFC ERGO Health Insurance plans explore more:
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Critical Illness Health Insurance
iCan Cancer Insurance is a cancer-specific plan offered by HDFC Health Insurance Company. The plan covers medical expenses incurred during the treatme...
Unique Features
Individual and Family Health Insurance
HDFC ERGO Health Suraksha Plan is a comprehensive plan from the house of HDFC ERGO Insurance Company that aims at providing 360-degree protection agai...
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Individual
HDFC ERGO Health Insurance offers an Energy Diabetes plan which is ideal for those who are suffering from diabetes Type 1, diabetes mellitus Type 2, p...
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Individual and Family Health Insurance
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Top Up and Super Top Up
HDFC Ergo super top-up plan is the best option by HDFC Ergo to ensure a cushion of ample cover to get the best medical treatment without any restricti...
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HDFC ERGO Koti Suraksha is a health insurance plan that provides a sum insured of up to INR 1 crore. Koti Suraksha Plan by the HDFC ERGO Insurance Com...
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Individual and Family Health Insurance
HDFC ERGO Optima Restore Policy is the best-selling plan of HDFC ERGO since its launch. It offers comprehensive health cover to you and your family un...
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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
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Naval Goel is the Founder and CEO of PolicyX.com (IRDA- Approved Insurance Comparison Website). He is a CFA charter holder (USA) and FRM (GARP). He holds an MBA from IIFT, Delhi, and is also an Associate from the Insurance Institute of India. Naval is an avid investor and entrepreneur who has a deep understanding of the Indian equity market and insurance sector. He has been investing for more than 10 years now and is a CFA charter holder.
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February 5, 2023
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