HDFC Ergo Optima Restore
HDFC Ergo Optima Restore is one of the selling health insurance plans from HDFC Ergo Health Insurance. It comes in two variants, i.e., HDFC Ergo Optima Restore Individual and HDFC Ergo Optima Restore Family. HDFC Ergo Optima Restore offers comprehensive health insurance coverage and two unique features, such as Restore benefit and the 2X Multiplier benefit. HDFC Ergo Optima Restore offers your cashless treatment benefit at their network hospitals and provides comprehensive health coverage to meet all your healthcare needs.
Network Hospitals
Highlights of HDFC Ergo Optima Restore
Below mentioned are the highlights of the HDFC Ergo Optima Restore Insurance Policy:
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Entry Age
Adult: 91 Days to 65 Years
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Renewability
Lifelong
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Policy Type
Individual and Family Floater
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Sum Insured
3L, 5L, 10L, 15L, 20L, 25L, 50L, 1Cr
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Policy Term
1, 2, 3 Years
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Waiting Period for Pre-Existing Disease
3 Years
Eligibility Criteria Criteria to buy HDFC Ergo Optima Restore
Below mentioned is the eligibility criteria for HDFC Ergo Optima Restore:
- Individual
- Family Floater
Entry Age: 18 Years to 65 Years
Entry Age: 91 Days to 65 Years
HDFC Ergo Optima Restore Plan Coverage Benefits
There are two different plan types offered by HDFC Optima Restore: individual and family plans. HDFC Ergo Optima Restore provides a wide variety of coverage under its plan options. Below mentioned are the coverage benefits available under both the plan type of HDFC Ergo Optima Restore:
- HDFC Ergo Optima Restore Individual Plan
- HDFC Ergo Optima Restore Family Plan
- 3L
- 5L
- 10L
- 15L
- 20L-1Cr
Room Rent
Covered up to SI
Single Private AC Room
Single Private AC Room
Single Private AC Room
Single Private AC Room
Hospital Daily Cash
INR 800 per Day
INR 800 per Day
INR 800 per Day
INR 800 per Day
INR 1K per Day
Air Ambulance Cover
Not Covered
Not Covered
Covered up to 2.5L
Covered up to 2.5L
Covered up to 2.5L
Health Check-Up
Not Covered
Up to INR 1.5K
Up to INR 2K
Up to INR 4K
Up to INR 5K
E-Consultation
One Consultation per policy Year
Ambulance Cover
Covered up to 2K per hospitalization
Modern Treatment
Covered
Organ Donor
Covered up to SI
Automatic Restoration
100% of SI once a year
No Claim Bonus
Available up to 50% of SI
COVID-19 Treatments
Covered
Cataract Treatment
Covered
Daycare Treatments
All Daycare Treatments Covered
Domiciliary Hospitalization
Covered up to SI
Post-Hospitalization
Covered up to 180 Days
Pre-Hospitalization
Covered up to 60 Days
Coverage after Waiting Period
Given below are the coverage benefits offered under the HDFC Ergo Optima Restore insurance policy after certain waiting period:
| Coverage Benefits | Waiting Period |
|---|---|
| Initial Waiting Period | 30 Days |
| Specific illnesses and Surgical Procedures | 24 Months |
| Pre-Existing Diseases | 36 Months |
HDFC Ergo Optima Restore Health Plan Exclusion
Below mentioned is the list of diseases and conditions that are not covered under HDFC Ergo Optima Restore health plan:
- Cosmetic or Plastic Surgery
- Injuries resulting due to suicide attempt
- IVF Treatment
- Treatment related to circumcision, birth control
- Hospitalization due to alcohol
- Hospitalization due to drug abuse
- Hospitalization due to War
- Hospitalization due to radiation
- External congenital diseases
- Non-allopathy treatment
- Treatment of obesity
- Venereal Treatment
- Sexually transmitted diseases
HDFC Ergo Optima Restore Plan Benefits
HDFC Ergo Optima Restore offers various additional benefits along with their coverage benefits. Below are the additional benefits offered under HDFC Ergo Optima Restore Plan:
- Restore Benefit: Your basic sum insured amount will get restored in case of complete or partial utilization of Your existing HDFC Ergo Optima Restore Policy Sum Insured and Multiplier Benefit (if applicable) during the Policy Year.
- Health Checkup: HDFC ERGO Optima Restore plan helps you track your health status with its Health Checkup benefit offered at the time of renewal, irrespective of the claim status. The health checkup benefit is available once in two years for a sum insured of INR 5 lakhs and once annually for a sum insured of INR 10 lakhs and above.
- Multiplier Benefit: Multiplier benefit will increase your basic sum insured amount by 50% for every claim-free year, up to a maximum of 100%. If a claim is filed during a policy year, the limit under this benefit will be decreased by 50% of the basic sum insured in the next year. However, the Sum Insured will not be reduced below the policy's basic sum Insured amount.
Explore More About HDFC Ergo Optima Secure
Check the below section to learn more about the HDFC Ergo health insurance buying process, HDFC Ergo health insurance claim settlement process, HDFC Ergo health insurance renewal process.