HDFC ERGO Health Optima Restore Health Insurance

HDFC ERGO Health Formerly Apollo Munich Optima Restore Health Insurance Multiplier benefit

Optima Restore Health Insurance benefit

• The sum insured is reinstated after it has been exhausted before a policy year ends. This restoring of sum insured doesn't not include any extra charges.
• The sum insured will provide coverage for some other sickness or for another member in the family. It will not provide coverage for the same individual's sickness or same member in the family.
• For example:
  If have purchased a 5lakhs plan and the entire amount has been exhausted, restore benefit will reinstate an additional 5lakhs amount which can be used up for a different sickness or for a different member covered under the family floater plan.

Optima Restore Health Insurance coverage benefits

• Plan renewal can be done lifelong providing coverage forever.
• The sublimits for patient room and medical expenses is Nil
• Cashless settlement in over 4000 reputed hospitals across 800 cities in the country(India).
• There exists no sublimits with respect to geography i.e. an insured can get treatment anywhere in India no matter where he/she buys the policy from.
• If you have made any claims in the previous years, you still have to pay the same premium on renewing the policy in the following years.
• 90% of pre-authorization happens in not more than 2 hours.
• Claims are settled very fast and easily.
• The policy can be upgraded to the next slab while renewing the policy.