*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
Who would you like to insure?
HDFC ERGO Optima Restore provides enhanced medical coverage to safeguard the health of individuals and families with the help of the restore benefit. It pays for the emergency and planned medical expenditures incurred on hospitalization, ambulance services, day care procedures, domiciliary treatment, etc. It also has other attractive benefits like the multiplier benefit, daily cash for choosing shared accommodation, preventive health check-ups, etc.
Categories | Specifications |
Sum Insured | Rs 3 lakh to Rs 1 crore |
Policy Tenure | 1 year, 2 years, 3 years |
Network Hospitals | 12000+ |
Incurred Claim Ratio (2021-22) | 97.47% |
Pre-existing Diseases Waiting Period | 3 years |
Specific Diseases Waiting Period | 2 years |
Initial Waiting Period | 30 days |
Discount | 10% family discount 7.5% multi-year discount 5% online discount 2.5% loyalty discount |
Here are the benefits of buying an HDFC ERGO Optima Restore plan:
Policyholders can restore their base sum insured by 100% immediately after their first claim with the restore benefit. This benefit is available once a year and gets activated on both partial or complete utilization of the base sum insured.
This unique benefit doubles the coverage amount of an HDFC ERGO Optima Restore policy in 2 years by increasing the sum insured by 50% every time no claim is raised during a policy year.
Unlike most health plans, this HDFC ERGO health insurance plan comes with no restriction on room rent limit, allowing policyholders to stay in a hospital room of their choice.
The insurance company pays for the preventive health check-up of the insured regardless of claims so that the onset of any disease or medical condition can be detected at the right time.
The HDFC ERGO General Insurance Company also promotes the overall well-being of the policyholders by offering a renewal discount of up to 8% on achieving the average step count target.
Policyholders can also earn tax benefits on the premium paid to buy the Optima Restore policy under Sec 80D of the Income Tax Act.
Check out the eligibility criteria for buying an HDFC ERGO Optima Restore plan:
Parameters | Eligibility Criteria |
Minimum Entry Age | Adult – 18 years Child – 91 days |
Maximum Entry Age | Adult – 65 years Child - 25 years |
Coverage Type | Individual/ Family floater |
Types of Relationships Covered | Self, spouse, dependent children, dependent parents and dependent parents-in-law |
Renewability | Lifelong |
The following medical expenses are included under an HDFC ERGO Optima Restore plan:
HDFC ERGO Optima Restore plan excludes the following: