HDFC ERGO Health Health Insurance - Optima Restore Insurance, Buy HDFC ERGO Health Optima Restore Insurance Online

HDFC ERGO Health Optima Restore comprehensive health insurance review

Multiplier Benefit
Benefit Table
Restore Benefit
Exclusions

HDFC ERGO Health Optima Restore Health Insurance Multiplier benefit

50% increase in your basic sum insured for every claim free year, subject to a maximum of 100%. In case a claim is made during a policy year, the limit under this benefit would be reduced by 50% of the basic sum insured in the following year. However, this reduction will not reduce the Sum Insured below the basic Sum Insured of the policy.

Optima Restore Individual Health Insurance benefit table

Coverage Benefits	Optima Restore
Basic Sum Insured	3Lakhs, 5Lakhs, 10Lakhs, 15Lakhs, 20Lakhs, 25Lakhs & 50Lakhs
In-patient Treatment	Covered upto sum insured
Pre-Hospitalization	Covered, upto 60 Days
Post-Hospitalization	Covered, upto 180 Days
Day Care Treatment	All day care treatment covered
Domiciliary Treatment	Covered upto sum insured
Organ Donor	Covered upto sum insured
E-Opinion in respect of a Critical Illness	One opinion per policy year
Restore Benefit	Equal to 100% of Basic Sum Insured
Emergency Ambulance	Upto Rs.2,000 per Hospitalisation
Multiplier Benefit	Bonus of 50% of the Basic Sum Insured for every claim free year, maximum upto 100%.In case of claim, bonus will be reduced by 50% of the basic sum insured. However this reduction will not reduce the Sum Insured below the basic Sum Insured of the policy

Optima Restore Family Health Insurance benefit table

Coverage Benefits	Optima Restore
Basic Sum Insured	3Lakhs, 5Lakhs, 10Lakhs, 15Lakhs, 20Lakhs, 25Lakhs & 50Lakhs
In-patient Treatment	Covered upto sum insured
Pre-Hospitalization	Covered, upto 60 Days
Post-Hospitalization	Covered, upto 180 Days
Day Care Treatment	All day care treatment covered
Domiciliary Treatment	Covered upto sum insured
Organ Donor	Covered upto sum insured
Ambulance Cover	Upto Rs. 2,000 / Hospitalisation
E-Opinion in respect of a Critical Illness	One opinion per policy year
Restore Benefit	Equal to 100% of Basic Sum Insured
Multiplier Benefit	Bonus of 50% of the Basic Sum Insured for every claim free year, maximum upto 100%.In case of claim, bonus will be reduced by 50% of the basic sum insured. However this reduction will not reduce the Sum Insured below the basic Sum Insured of the policy

Optima Restore Health Insurance benefit

A Health Plan which restores your Sum Insured when you need it the most. Instant addition of 100% Basic Sum Insured on complete or partial utilization of Your existing Policy Sum Insured and Multiplier Benefit (if applicable) during the Policy Year. This total amount (Basic sum insured, Multiplier benefit and Restore sum insured) will be available to all Insured Persons for all claims under In-patient Benefit during the current Policy Year.

Too good to be true, here’s how it will work:

If you have a base Sum Insured of 5 lakhs, and you claim Rs.1,00,000 in the beginning of the year, we will restore the base Sum Insured of 5 lakhs to your remaining balance, i.e. you will now have Rs.9,00,000 which can be used for subsequent claims in the remaining policy year for all claims under In-patient Benefits.

However, single claim in a Policy Year cannot exceed the sum of Basic Sum Insured and Multiplier Benefit (if any).

Optima Restore Health Insurance coverage exclusions

Any treatment within first 30 days of cover except any accidental injury.
Any Pre-existing diseases/conditions will be covered after a waiting period of 3 years.
2 years exclusion for specific diseases like cataract, hernia, hysterectomy, joint replacement etc.
Abuse of intoxicant or hallucinogenic substance like drugs and alcohol.
Pregnancy, dental treatment, external aids and appliances.
Hospitalization due to war or an act of war or due to nuclear, chemical or biological weapon and radiation of any kind.
Non-allopathic treatment, congenital external diseases, cosmetic surgery