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HDFC ERGO Optima Restore Policy is the best-selling plan of HDFC ERGO since its launch. It offers comprehensive health cover to you and your family under two variants: Optima Restore Individual and Optima Restore Family. The two unique advantages of HDFC ERGO health insurance Optima Restore are: Restore benefit and 2X Multiplier benefit.
HDFC ERGO Optima Restore Benefit allows a 100% restoration of your cover immediately after the first claim. The Multiplier benefit offers a 100% increase in your SI amount in 2 claim-free years. Other major coverage benefits included under HDFC ERGO health Optima Restore are renewal discounts, recovery benefits, organ donor cover, etc.
| PLAN DETAILS |
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Optima Restore Plan |
Zuno Covid Healthcare Insurance |
| Product Type | Individual and Family Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
15000 | 10000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Not Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not Covered | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | Not Available |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Covered | Not Available |
| Plan Entry Age | 5 to 65 years | Min entry age - 18 Years, Max entry age - 65 Years |
| Plan Premium Entry Age and S/A | 8852 | 4,200 |
| Plan Waiting Period | 30 | 15 |
| Plan Coverage | Individual & Family floater | Covid hospitalization cover, home care treatment, pre post expenses, cashless treatment |
| Plan Sample Premium | 8852 | 4,200 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1, 2 years | 3.5, 6.5, 9.5 |
| ICU Charges | Not Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Covered | Not Covered |
| Ayush Treatment | Not Covered | Covered |
| Modern Treatment | Covered | Not Covered |
| E Consultation | Covered | Not Covered |
| Air Ambulance | Not Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 95.30 | 98.54 |
| Solvency Ratio | 2.00 | 1.97 |
|
HDFC Ergo Health Insurance Plan Detailed Review |
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