Apollo Munich Insurance Plans

HDFC ERGO Health Optima Restore Health Insurance

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  • Family

Optima Restore Health insurance quotes

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HDFC Ergo Health Quotes for Family

HDFC ERGO Health Optima Restore Family health insurance plans provide coverage for the entire family within the scope of a single health plan. find quotes, compare & buy HDFC ERGO Health Optima Restore Quotes for Family

Buy HDFC ERGO Health Optima Restore for Family

Key features of HDFC Ergo Health (Apollo Munich) Optima Restore plan

  • Room Rent: No Room Rent Restrictions across all plans.
  • Co - pay: NIL Co-pay under this plan.
  • Restoration Benefit: Upto 100% of Base Sum Insured per year.

Multiplier Benefit

The benefit is provided for a claim-free year. If an insured has not made any claims in a policy year, a bonus called no claim bonus is given to the customer which is 50% of the sum insured. Again if the customer has made no claims in the following year, the sum insured amount becomes double the basic sum insured.

HDFC Ergo Health (Apollo Munich) Insurance Review

HDFC Ergo Health (Apollo Munich) Insurance
Sum insured
1 lac − 50 lacs options available
Incurred Claims Ratio *
Tenure options
1 to 2 years
Claims Settlement Ratio **
List of network hospitals
10,000+ hospitals
Number of policies issued *
Maximum family floater coverage
Self, Spouse + 5 dependent children
Number of lives covered *
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

HDFC ERGO Health Formerly Apollo Munich Optima Restore comprehensive health insurance review

  • Multiplier Benefit
  • Benefit Table
  • Restore Benefit
  • Benefit Coverages

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

For example:
If you have a 3lakhs policy and has made no claims in the 1st year, the sum insured becomes 4.5lakhs for the second year. Again if you have made no claims in the 2nd year the basic sum insured will double i.e. the sum insured becomes 6lakhs. You will still be paying a premium for the 3lakhs plan.

Optima Restore Health Insurance benefit table

Coverage Benefits Optima Restore
Basic Sum Insured 3Lakhs, 5Lakhs, 10Lakhs &15Lakhs
In-patient Treatment Covered
Pre-Hospitalization Covered, upto 60 Days
Post-Hospitalization Covered, upto 180 Days
Day Care Treatment Covered
Domiciliary Treatment/Home Treatment Covered
Treatment for Organ Donor Covered
Emergency Ambulance Upto Rs.2,000 per Hospitalisation
Restore Benefit Equal to the sum insured. Extra sum insured will be reinstated only after the basic sum insured amount has been exhausted. This does not involve additional cost.
Multiplier Benefit 50% of the initial basic sum insured for every year without claims and maximum is 100%. If there are claims, only the bonus is reduced by 50%, not the initial sum insured.

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.


Review HDFC ERGO Health Optima Restore Health Insurance insurance brochure to understand coverage details.

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Proposal form

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Policy wordings

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HDFC Ergo Health (Apollo Munich) Insurance useful links

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