Network hospitals
12000+
Claim settlement ratio
98.49%
Sum insured
2 CR
No. of Plans
7
Solvency Ratio
1.68
Pan India Presence
200+
Network hospitals
12000+
Claim settlement ratio
98.49%
Sum insured
2 CR
No. of Plans
7
Solvency Ratio
1.68
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.
HDFC Ergo Health Insurance Plan Detailed Review
HDFC ERGO Optima Restore plan is packed with incredible benefits at no additional cost. To give you a better idea about the HDFC ERGO Optima Restore and its eligibility, take a look at the specifications of the plan:
Sum Insured
3 | 5 | 10 | 15 | 20 | 25 | 50 Lakhs
Entry Age
Min: Adult: 91 Days Child: 91 Days Max: Adult: 65 Years Child: 5 Years
Policy Term
1 | 2 Years
Renewability
Lifelong
Initial Waiting Period
30 Days
*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.
HDFC Optima Restore comes in a two plan type i.e. individual and family plans. Optima Restore HDFC ERGO offers a wide range of coverage under its plan types. Take a look at the coverages offered under both the plan type.
Coverage for SI: 3L Individual
In-patient & Out-patient Coverage
Room Rent
Covered up to SI
ICU Charges
Not Covered
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 180 days
Domiciliary Hospitalization
Covered up to SI
Daycare Treatment
All Day care treatment covered
OPD Charges
Not Covered
Coverage Terms
COVID-19 Treatment
Covered
Cataract
Covered after a 2-year waiting period
No Claim Bonus
50% of SI every claim-free year
Automatic Restoration
Available
Daily Hospital Cash
INR 800 per day
Organ Donor
Covered up to SI
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
Alternative Treatments
AYUSH Treatment
Not Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Emergency Coverage
Ambulance
Covered up to 2K per hospitalization
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not available
Wellness Programmes
E-Consultation
One opinion per policy year
Health Check-Up
Not Covered
Second Medical Opinion
Not available
Vaccination
Not Covered
Limitations
Co-payment
Not applicable
Sub-limits
Not applicable
Coverage for SI: 5L Individual
In-patient & Out-patient Coverage
Room Rent
Covered up to SI
ICU Charges
Not Covered
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 180 days
Domiciliary Hospitalization
Covered up to SI
Daycare Treatment
All Day care treatment covered
OPD Charges
Not Covered
Coverage Terms
COVID-19 Treatment
Covered
Cataract
Covered after a 2-year waiting period
No Claim Bonus
50% of SI every claim-free year
Automatic Restoration
Available
Daily Hospital Cash
INR 800 per day
Organ Donor
Covered up to SI
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
Alternative Treatments
AYUSH Treatment
Not Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Emergency Coverage
Ambulance
Covered up to 2K per hospitalization
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not available
Wellness Programmes
E-Consultation
One opinion per policy year
Health Check-Up
Up to 1.5K once in every 2 years
Second Medical Opinion
Not available
Vaccination
Not Covered
Limitations
Co-payment
Not applicable
Sub-limits
Not applicable
Coverage for SI: 10L Individual
In-patient & Out-patient Coverage
Room Rent
Covered up to SI
ICU Charges
Not Covered
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 180 days
Domiciliary Hospitalization
Covered up to SI
Daycare Treatment
All Day care treatment covered
OPD Charges
Not Covered
Coverage Terms
COVID-19 Treatment
Covered
Cataract
Covered after a 2-year waiting period
No Claim Bonus
50% of SI every claim-free year
Automatic Restoration
Available
Daily Hospital Cash
INR 800 per day
Organ Donor
Covered up to SI
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
Alternative Treatments
AYUSH Treatment
Not Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Emergency Coverage
Ambulance
Covered up to 2K per hospitalization
Air Ambulance
Covered up to 2.5L per hospitalization
Compassionate Travel
Not Covered
Global Coverage
Not available
Wellness Programmes
E-Consultation
One opinion per policy year
Health Check-Up
Up to 2K every year
Second Medical Opinion
Not available
Vaccination
Not Covered
Limitations
Co-payment
Not applicable
Sub-limits
Not applicable
Coverage for SI: 15L Individual
In-patient & Out-patient Coverage
Room Rent
Covered up to SI
ICU Charges
Not Covered
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 180 days
Domiciliary Hospitalization
Covered up to SI
Daycare Treatment
All Day care treatment covered
OPD Charges
Not Covered
Coverage Terms
COVID-19 Treatment
Covered
Cataract
Covered after a 2-year waiting period
No Claim Bonus
50% of SI every claim-free year
Automatic Restoration
Available
Daily Hospital Cash
INR 800 per day
Organ Donor
Covered up to SI
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
Alternative Treatments
AYUSH Treatment
Not Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Emergency Coverage
Ambulance
Covered up to 2K per hospitalization
Air Ambulance
Covered up to 2.5L per hospitalization
Compassionate Travel
Not Covered
Global Coverage
Not available
Wellness Programmes
E-Consultation
One opinion per policy year
Health Check-Up
Up to 4K every year
Second Medical Opinion
Not available
Vaccination
Not Covered
Limitations
Co-payment
Not applicable
Sub-limits
Not applicable
Coverage for SI: 20L-50L Individual
In-patient & Out-patient Coverage
Room Rent
Covered up to SI
ICU Charges
Not Covered
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 180 days
Domiciliary Hospitalization
Covered up to SI
Daycare Treatment
All Day care treatment covered
OPD Charges
Not Covered
Coverage Terms
COVID-19 Treatment
Covered
Cataract
Covered after a 2-year waiting period
No Claim Bonus
50% of SI every claim-free year
Automatic Restoration
Available
Daily Hospital Cash
INR 1K per day
Organ Donor
Covered up to SI
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
Alternative Treatments
AYUSH Treatment
Not Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Emergency Coverage
Ambulance
Covered up to 2K per hospitalization
Air Ambulance
Covered up to 2.5L per hospitalization
Compassionate Travel
Not Covered
Global Coverage
Not available
Wellness Programmes
E-Consultation
One opinion per policy year
Health Check-Up
Up to 5K every year
Second Medical Opinion
Not available
Vaccination
Not Covered
Limitations
Co-payment
Not applicable
Sub-limits
Not applicable
Coverage for SI: 3L Family
In-patient & Out-patient Coverage
Room Rent
Covered up to SI
ICU Charges
Not Covered
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 180 days
Domiciliary Hospitalization
Covered up to SI
Daycare Treatment
All Day care treatment covered
OPD Charges
Not Covered
Coverage Terms
COVID-19 Treatment
Covered
Cataract
Covered after a 2-year waiting period
No Claim Bonus
50% of SI every claim-free year
Automatic Restoration
Available
Daily Hospital Cash
INR 800 per day
Organ Donor
Covered up to SI
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
Alternative Treatments
AYUSH Treatment
Not Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Emergency Coverage
Ambulance
Covered up to 2K per hospitalization
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not available
Wellness Programmes
E-Consultation
One opinion per policy year
Health Check-Up
Not Covered
Second Medical Opinion
Not available
Vaccination
Not Covered
Limitations
Co-payment
Not applicable
Sub-limits
Not applicable
Coverage for SI: 5L Family
In-patient & Out-patient Coverage
Room Rent
Covered up to SI
ICU Charges
Not Covered
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 180 days
Domiciliary Hospitalization
Covered up to SI
Daycare Treatment
All Day care treatment covered
OPD Charges
Not Covered
Coverage Terms
COVID-19 Treatment
Covered
Cataract
Covered after a 2-year waiting period
No Claim Bonus
50% of SI every claim-free year
Automatic Restoration
Available
Daily Hospital Cash
INR 800 per day
Organ Donor
Covered up to SI
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
Alternative Treatments
AYUSH Treatment
Not Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Emergency Coverage
Ambulance
Covered up to 2K per hospitalization
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not available
Wellness Programmes
E-Consultation
One opinion per policy year
Health Check-Up
Up to 2.5K once in every 2 years
Second Medical Opinion
Not available
Vaccination
Not Covered
Limitations
Co-payment
Not applicable
Sub-limits
Not applicable
Coverage for SI: 10L Family
In-patient & Out-patient Coverage
Room Rent
Covered up to SI
ICU Charges
Not Covered
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 180 days
Domiciliary Hospitalization
Covered up to SI
Daycare Treatment
All Day care treatment covered
OPD Charges
Not Covered
Coverage Terms
COVID-19 Treatment
Covered
Cataract
Covered after a 2-year waiting period
No Claim Bonus
50% of SI every claim-free year
Automatic Restoration
Available
Daily Hospital Cash
INR 800 per day
Organ Donor
Covered up to SI
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
Alternative Treatments
AYUSH Treatment
Not Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Emergency Coverage
Ambulance
Covered up to 2K per hospitalization
Air Ambulance
Covered up to 2.5L per hospitalization
Compassionate Travel
Not Covered
Global Coverage
Not available
Wellness Programmes
E-Consultation
One opinion per policy year
Health Check-Up
Up to 5K every year
Second Medical Opinion
Not available
Vaccination
Not Covered
Limitations
Co-payment
Not applicable
Sub-limits
Not applicable
Coverage for SI: 15L Family
In-patient & Out-patient Coverage
Room Rent
Covered up to SI
ICU Charges
Not Covered
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 180 days
Domiciliary Hospitalization
Covered up to SI
Daycare Treatment
All Day care treatment covered
OPD Charges
Not Covered
Coverage Terms
COVID-19 Treatment
Covered
Cataract
Covered after a 2-year waiting period
No Claim Bonus
50% of SI every claim-free year
Automatic Restoration
Available
Daily Hospital Cash
INR 800 per day
Organ Donor
Covered up to SI
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
Alternative Treatments
AYUSH Treatment
Not Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Emergency Coverage
Ambulance
Covered up to 2K per hospitalization
Air Ambulance
Covered up to 2.5L per hospitalization
Compassionate Travel
Not Covered
Global Coverage
Not available
Wellness Programmes
E-Consultation
One opinion per policy year
Health Check-Up
Up to 8K every year
Second Medical Opinion
Not available
Vaccination
Not Covered
Limitations
Co-payment
Not applicable
Sub-limits
Not applicable
Coverage for SI: 20L-50L Family
In-patient & Out-patient Coverage
Room Rent
Covered up to SI
ICU Charges
Not Covered
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 180 days
Domiciliary Hospitalization
Covered up to SI
Daycare Treatment
All Day care treatment covered
OPD Charges
Not Covered
Coverage Terms
COVID-19 Treatment
Covered
Cataract
Covered after a 2-year waiting period
No Claim Bonus
50% of SI every claim-free year
Automatic Restoration
Available
Daily Hospital Cash
INR 1K per day
Organ Donor
Covered up to SI
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
Alternative Treatments
AYUSH Treatment
Not Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Emergency Coverage
Ambulance
Covered up to 2K per hospitalization
Air Ambulance
Covered up to 2.5L per hospitalization
Compassionate Travel
Not Covered
Global Coverage
Not available
Wellness Programmes
E-Consultation
One opinion per policy year
Health Check-Up
Up to 10K every year
Second Medical Opinion
Not available
Vaccination
Not Covered
Limitations
Co-payment
Not applicable
Sub-limits
Not applicable
Room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.
Common Room categories covered under room rent are:
Coverage status under HDFC ERGO Optima Restore Plan?
The room rent expenses are covered up to your selected SI amount under this policy.
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under HDFC ERGO Optima Restore Plan?
ICU charges are not covered under this plan.
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under HDFC ERGO Optima Restore Plan?
This plan covers medical expenses of up to 60 days before your hospitalization.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under HDFC ERGO Optima Restore Plan?
This plan covers medical expenses of up to 180 days after you get discharged from the hospital.
Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.
Coverage status under HDFC ERGO Optima Restore Plan?
Under this plan, the domiciliary hospitalization that exceeds 3 days is covered up to your selected Sum Insured.
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under HDFC ERGO Optima Restore Plan?
This plan covers all day care procedures.
The cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under HDFC ERGO Optima Restore Plan?
OPD charges are not covered.
Covers the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.
Coverage status under HDFC ERGO Optima Restore Plan?
COVID-19 treatment is covered under this plan.
A common eye condition in which your vision gets blurred.
Coverage status under HDFC ERGO Optima Restore Plan?
This plan offers coverage for Cataract treatment after 2 years of the waiting period.
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as no-claim bonus on policy renewal. However, in the case of claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.
Coverage status under HDFC ERGO Optima Restore Plan?
This plan offers a 100% increment in the sum insured after 2 claim-free years. In case of a claim, the bonus amount added to your SI will be decreased by 50%.
Automatic restoration is a benefit in which the insurance company restores the total sum insured after it gets fully exhausted in treatments.
Coverage status under HDFC ERGO Optima Restore Plan?
Automatic restoration equal to 100% of your selected SI amount is provided under this plan.
It is a cash amount that you will get each day during the time of hospitalization.
Coverage status under HDFC ERGO Optima Restore Plan?
Daily hospital cash feature is available under this plan and the daily allowance amount is based on the sum insured you choose.
| Plan Type | Individual | Family | ||||||||
| SI Options | 3 | 5 | 10 | 15 | 20-50Â | 3 | 5 | 10 | 15 | 20-50 |
| Daily Hospital Cash (in Rs.) | INR 800 per day, maximum INR 4.8K | INR 1K per day, Maximum 6K | INR 800 per day, maximum INR 4.8K | INR 1K per day, Maximum 6K | ||||||
Your health plan will cover the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under HDFC ERGO Optima Restore Plan?
The plan provides coverage for organ donor expenses up to your selected Sum Insured amount.
It refers to the cover that includes expenses for normal and c-section procedures deliveries.
Coverage status under HDFC ERGO Optima Restore Plan?
Maternity cover is not available under this plan.
*It is generally not covered under most health insurance plans as pregnancy is a planned condition.
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the new born cover and these common treatments can vary from plan to plan:
Coverage status under HDFC ERGO Optima Restore Plan?
Newborn baby expenses are not covered under this plan.
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under HDFC ERGO Optima Restore Plan?
This plan does not cover AYUSH treatment expenses.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under HDFC ERGO Optima Restore Plan?
The plan does not offer coverage for IVF treatments.
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under HDFC ERGO Optima Restore Plan?
This plan covers a wide range of modern treatments such as:
Plan Type: Individual
| Modern Treatments |
| Uterine Artery Embolization and HIFU |
| Balloon Sinuplasty |
| Deep Brain Stimulation |
| Oral Chemotherapy |
| Immunotherapy |
| IVF |
| Robotic surgeries |
| Stereotactic Radio Surgeries |
| Bronchial Thermoplasty |
| Vaporization of the prostrate (Green laser/Holmium laser) |
| Intra Operative Neuro Monitoring |
| Stem Cell Therapy |
An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.
Coverage status under HDFC ERGO Optima Restore Plan?
This plan covers Ambulance charges of up to 2K per hospitalization.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under HDFC ERGO Optima Restore Plan?
Air ambulance expenses under this plan are covered up to INR 2.5 lakhs per hospitalization, only for the SI amount of 10 lakhs and above.
Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.
Coverage status under HDFC ERGO Optima Restore Plan?
The policy does not cover compassionate travel expenses.
Any kind of medical/health emergency when you are outside of India.
Coverage status under HDFC ERGO Optima Restore Plan?
Not available
If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under HDFC ERGO Optima Restore Plan?
This plan offers one consultation per policy year for critical illnesses.
A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.
Coverage status under HDFC ERGO Optima Restore Plan?
Health checkup expenses under this plan are covered based on the sum insured and the plan type you choose.
| Plan Type | Individual | Family | ||||||||
| SI Options | 3 | 5 | 10 | 15 | 20-50 | 3 | 5 | 10 | 15 | 20-50 |
| Health Check-Up | Not Covered | Up to 1.5K once in every 2 years | Up to 2K once in every year | Up to 4K once in every year | Up to 5K once in every year | Not Covered | Up to 2.5K once in every 2 year | Up to 5K once in every year | Up to 8K once in every year | Up to 10K once in every year |
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 status under HDFC ERGO Optima Restore Plan?
Not available
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under HDFC ERGO Optima Restore Plan?
Not available
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Coverage status under HDFC ERGO Optima Restore Plan?
Not applicable
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 pay by the policyholder.
Coverage status under HDFC ERGO Optima Restore Plan?
No defined sub limits
HDFC Ergo entails a wide network of cashless Hospitals that impact millions of lives PAN India. A well connected network of over 13,000+ cashless hospitals, HDFC Ergo 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:
Cosmetic or Plastic Surgery
Injuries resulting from a suicide attempt
Treatment of infertility, birth control, vicarious pregnancy, circumcision
Hospitalization due to alcohol, and drug abuse
Hospitalization due to War and radiation of any kind
Non-allopathy treatment
External congenital diseases
Treatment-related to Venereal or sexually transmitted diseases
Treatment of obesity
HDFC ERGO health insurance optima restore covers certain diseases and treatments after a time period. These are:
Listed ailments after 2 Years
Pre-existing diseases after 3 years
There are 9 other plans offered by the HDFC ERGO Health Insurance along with HDFC ERGO Optima Restore Health Insurance. Take a look below to explore them:
An ideal health plan for people with a pre-existing critical illness or a family history of critical illnesses. Get comprehensive coverage for 15 critical illnesses.
Unique Features
Designed especially for people with pre-existing diabetes or hypertension. Get coverage for diabetes and hypertension from Day 1 without any waiting period.
Unique Features
A flexible and comprehensive health plan, securing your today & tomorrow. With 'Reserve Benefit' features, this plan grows unused policy amount @6% interest rate.*
Unique Features
Covers all types of cancer at all stages with lifelong renewability option. If diagnosed with IV stage cancer or relapse, this plan pays 100% of SI as a lump sum.
Unique Features
An individual and family health plan providing SI of up to 1 crore to prepare you to meet constantly increasing medical inflation.
Unique Features
Avail of extra cover to meet medical expenses without any limitations by purchasing this deductible-based top-up plan.
Unique Features
Offers 360 degrees protection to you and your family with multiple SI options of 3 to 75 Lakhs. Comes with EMI and lifelong entry option.
Unique Features
Women-oriented health plan providing comprehensive medical insurance with major illnesses cover, and cancer cover all under a single plan but different variants.
Unique Features
Provides comprehensive medical coverage to individuals and families with different budgets by offering SI options ranging from 5 Lakhs to 50 Lakhs.
Unique Features
Get 4X coverage* without any extra cost under this comprehensive health plan for individuals and families.
Unique Features
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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:
Sum insured will be reinstated under these situations:
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 for activating 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:
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October 4, 2023
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Agra
October 4, 2023
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Raipur
October 4, 2023
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