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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.
| PLAN DETAILS |
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Optima Restore Plan |
Zuno Covid Healthcare Insurance |
| 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 | Not 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 | 10000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Not Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not Covered | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | Not Available |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Covered | Not Available |
| Plan Entry Age | 5 to 65 years | Min entry age - 18 Years, Max entry age - 65 Years |
| Plan Premium Entry Age and S/A | 8852 | 4,200 |
| Plan Waiting Period | 30 | 15 |
| Plan Coverage | Individual & Family floater | Covid hospitalization cover, home care treatment, pre and post hospitalization expenses, cashless treatment |
| Plan Sample Premium | 8852 | 4,200 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1, 2 years | 3.5, 6.5, 9.5 |
| ICU Charges | Not Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Covered | Not Covered |
| Ayush Treatment | Not Covered | Covered |
| Modern Treatment | Covered | Not Covered |
| E Consultation | Covered | Not Covered |
| Air Ambulance | Not Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 95.30 | 98.54 |
| Solvency Ratio | 2.00 | 1.97 |
|
HDFC Ergo Health Insurance Plan Detailed Review |
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