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 Optima Restore Policy
HDFC Ergo General Insurance Company Ltd logo
HDFC Ergo General Insurance Company Ltd

Optima Restore

100% Restore Benefit
No Claim Bonus of 50% every year
Complimentary Health checkup
Coverage available upto 50 Lakh
Total cashless network hospitals 4541
100% Restore Benefit
No Claim Bonus of 50% every year
Complimentary Health checkup
Coverage available upto 50 Lakh
Total cashless network hospitals 4541
family premium calculation
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Overview

Optima Restore by HDFC Ergo is a health insurance policy that offers comprehensive cover. It’s customized as per your individual medical needs. This plan offers a lot of benefits providing you with a coverage of 5 lakhs to 50 lakhs. Please read further to understand all the features & benefits of this plan. You can also check whether you are qualified for this plan or not & also understand what is covered and what is not covered in this plan. Less

Optima Restore by HDFC Ergo is a health insurance policy that offers comprehensive cover. It’s customized as per your individual medical needs. This plan offers a lot of benefits providing you with a coverage of 5 lakhs to 50 lakhs. Please read further to understand all the features & benefits of this plan. You can also check whether you are qualified for this plan or not & also understand what … More

Features of Optima Restore

Key features to look for while selecting your health insurance plan
Sum Assured:
50.0%

Renewal Bonus

Renewal Bonus
Renewal bonus is bonus money added in the sum insured for every claim free year.
0%

Copay

Copay
Copay is the percentage of the claim amount that is borne by an insured person.
No limit on room rent

Room Rent

Room Rent
Room rent limit is the maximum amount of per day room charges that you can claim in case you get admitted to a hospital.
3 years

PED Waiting period

PED Waiting period
The amount of time you need to wait for, from the start of your policy, to be able to use the benefits in case of a particular disease

What is covered?

Sum Assured:
Renewal Bonus
50.0%

Renewal Bonus

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What is Renewal Bonus
Renewal bonus is added in the sum insured for every claim free year. This plan offers No Claim Bonus of up to maximum of 100% of Sum Insured.
Pre hospitalization
60 days

Pre hospitalization

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What is Pre hospitalization
Medical expenses up to 60 days before admission will be covered.
Post Hospitalization
180 days

Post Hospitalization

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What is Post Hospitalization
Medical expenses up to 180 days after discharge will be covered.
Hospital Daily Cash
Rs 800

Hospital Daily Cash

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What is Hospital Daily Cash
Hospital cash of Rs 800 is available in network hospitals only
Restore benefits
Up to 100.0% of sum assured

Restore benefits

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What is Restore benefits
This plan reinstates your basic cover, in case you exhaust your cover in a policy year. Restoration works only for unrelated claims.
Ambulance charges
Covered

Ambulance charges

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What is Ambulance charges
You can claim up to a maximum of Rs. 2,000 for ambulance charges.
Home hospitalization
Covered

Home hospitalization

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What is Home hospitalization
Treatment taken at home for any medical reason, if hospitalization is not possible. This is a rare scenario and is termed as 'Domiciliary Hospitalization'. In such a scenario, expenses of up to Rs 3,00,000 are covered in this plan.
Organ Donor
Covered

Organ Donor

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What is Organ Donor
In case of an organ transplant and there is a need of an organ donor, hospitalisation charges for the organ donor are covered in this plan. However, the cost of finding a donor is not covered.
Day Care
All procedures upto S.I.

Day Care

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What is Day Care
Health insurance covers medical expenses only for hospitalizations exceeding 24 hours. Day care procedures refers to medical treatment undertaken in a hospital requiring less than 24 hours due to technological advancement. All day care procedures are covered in this plan.
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What’s not covered

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Maternity
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Health checkup
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AYUSH Cover
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OPD
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War related Injuries
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Cosmetic Surgery
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Lasik eye treatment
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Damage while driving under the influence of liquor or drugs

Cashless network hospitals

You don’t have to pay a penny to get your treatment done in the network hospitals of HDFC Ergo General Insurance Company Ltd.
Search for number of nearby cashless network hospitals in your area.
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4541
Network Hospitals in India
Search cashless hospitals in your area
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1

Eligibility criteria

AGE ELIGIBILITY

3 months
Adult
65 years
Max age bar

POLICY PERIODS

1
year(s)
 2
year(s)

AGE ELIGIBILITY

3 months
65 years
Max age bar

No. of Members Covered

6
Members
Upto 2
Adults
Upto 4
Children

Policy Periods

1 year(s) 2 year(s)

Waiting period

After
3 years
You can claim for any pre-existing conditions after 3 years of the policy start date.
After
30 days
A 30 days cooling period for all claims except any arising out of accidental injuries

About HDFC Ergo General Insurance Company Ltd

HDFC ERGO has designed the my:health Suraksha plans that gives the policy holder a 360 degree complete protection against rising medical treatment expenses. It's a plan designed for individuals, family members along with senior citizens who are looking a proper coverage based on their individual medical needs. The health cover amount in this plan ranges from Rs. 3 lakhs to Rs. 5 lakhs. The plans contains features like No room rent capping, additional sum insured options, Cashless Home Healthcare & an annual Free Health Check-up. Please read further to understand all the features & benefits of this plan.You can also check whether you are qualified for this plan or not & also understand what is covered and what is not covered in this plan. Less

HDFC ERGO has designed the my:health Suraksha plans that gives the policy holder a 360 degree complete protection against rising medical treatment expenses. It's a plan designed for individuals, family members along with senior citizens who are looking a proper coverage based on their individual medical needs. The health cover amount in this plan ranges from Rs. 3 lakhs to Rs. 5 lakhs. The plans contains features like No room … More

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family premium calculation
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Want Expert Advice?
Talk to our Insurance experts to choose the right plan as per your medical needs.
I hereby authorize Oneinsure to communicate with me on the given number for my Insurance needs. I am aware that this authorization will override my registry under NDNC. Less
I hereby authorize Oneinsure to communicate with me on the More
Thank you for scheduling a call with us! One of our Health Insurance experts will call you shortly.
Redirecting to quotes in seconds