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Optima Restore Plan
8852
VS
Star Assure Plan
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.
| PLAN DETAILS |
Optima Restore Plan |
Star Assure Plan |
| Premium Including GST | ||
| Product Type | Individual and Family Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
15000 | 14000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Covered | Applicable |
| Plan Entry Age | 5 to 65 years | Child: 16 Days - 17 Years, Adult: 18 - 75 Years |
| Plan Premium Entry Age and S/A | 8852 | 9762 |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | Individual & Family floater | - |
| Plan Sample Premium | 8852 | - |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1, 2 years | 1/2/3 Years |
| ICU Charges | Not Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Covered | Covered |
| Ayush Treatment | Not Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Covered | Covered |
| Air Ambulance | Not Covered | Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 95.30 | 99.06 |
| Solvency Ratio | 2.00 | 2.21 |
|
HDFC Ergo Health Insurance Plan Detailed Review Star Health Insurance Plan Detailed Review |
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