Optima Restore Plan

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, and organ donor cover.

What Does HDFC ERGO Optima Restore Cover?

HDFC ERGO Optima Restore covers eligible medical expenses related to hospitalisation and specified treatments, subject to policy terms, limits, and exclusions.

• In-patient hospitalisation
• Pre and post-hospitalisation expenses
• Daycare procedures
• Organ donor expenses
• Domiciliary hospitalisation
• Emergency ambulance expenses
• Eligible AYUSH treatments
• Restore and Multiplier benefits

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 Sum Insured (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. 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

For Family Floater

*The actual premium may differ based on factors such as age, location, sum insured, number of insured members, policy variant, and applicable discounts. The following figures are sample premiums for reference.

Factors Affecting HDFC ERGO Optima Restore Premium

The premium for Optima Restore can vary based on:

• Age of the insured members
• Sum insured selected
• Individual or family floater policy
• Number of family members covered
• Medical history and pre-existing conditions
• Policy tenure and applicable discounts
• Optional covers selected

Who Is HDFC ERGO Optima Restore Best Suited For?

HDFC ERGO Optima Restore can be a suitable choice for individuals and families looking for comprehensive health insurance with additional coverage through the Restore and 2X Multiplier benefits. It may particularly suit:

• Individuals who want a standalone health insurance policy with a higher sum insured.
• Families looking for shared coverage under a family floater policy.
• People seeking additional financial protection through sum insured restoration after a claim.
• Policyholders who prefer long-term coverage with benefits that can increase their available sum insured over time.

Conclusion

Not sure if HDFC ERGO Optima Restore is the right fit for you? Talk to a PolicyX advisor to understand the coverage, compare alternatives, and choose a plan based on your healthcare needs and budget.

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