What are the types of plans offered by HDFC Ergo?

HDFC Ergo best health insurance plans involve individual health insurance plans, family health insurance plans, parents health insurance plans, senior citizen health insurance plans, critical illness insurance plans , and a super top-up insurance plan.

Why should I buy health insurance by HDFC Ergo?

HDFC Ergo helps its customers ‘Take it easy. Experience the convenience.' To ensure the same, the company offers HDFC Ergo best health insurance plans that are specifically designed keeping the diverse health insurance needs of customers in mind. Moreover, HDFC health insurance policy offers benefits such as pre and post hospitalisation coverage, cashless claims , no sub-limits, tax benefits, day care procedures, domiciliary medical treatment, and others.

How to apply for and buy health insurance plans offered by HDFC Ergo?

You can apply for and buy HDFC Medical Insurance plans online through the HDFC Ergo website www.hdfcergo.com or through www.insurancedekho.com. Remember, you can make use of net banking, debit card, or credit card to pay the premium of HDFC health insurance policy as the company allows flexible payment modes.

Is there a limitation on the entry age for buying HDFC medical insurance plans?

The entry age for children is 91 days. However, there is no maximum entry age for adults to buy HDFC Ergo health insurance plans.

What is the customer care number of HDFC Ergo?

The customer care number for HDFC Ergo is 022 6234 6234.

HDFC ERGO Optima Restore Health Insurance User Reviews

526 reviews Rate This

HDFC ERGO

Highlights

Cashless Approval TAT	Within 37 mins
Claim Settlement Ratio	99.80%
Network Hospitals	13,000+
PED Coverage Starting From	3 year
Special Benefits	2X Cover from Day 1
Starting Premium	Rs. 1090/month

Health Insurance Calculator

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Disclaimer: Actual Premium might vary basis your location, age and number of members

Rating of Optima Restore

4.9

Based on

23 User reviews

Cover for hospitalization expenses
Last week I bought the HDFC ERGO- Optima Restore at InsuranceDekho and I must say that the policy covers me for many healthcare expenses that I wanted. It is an indemnity-based short-term policy and I suggest everyone be covered under this policy at least during the current pandemic times.
R
Riya Sen
On: Aug 23, 2023
Amazing policy coverage benefits
My HDFC ERGO- Optima Restore is an amazing one that covers me for several healthcare expenses. I bought the policy at InsuranceDekho by following a few easy steps online. I like the policy benefits and will recommend it to others too.
R
Rama Dhar
On: Aug 10, 2023
Best Plan
The best health plan as for as now in the industry.
N
Naveen Kumar Vanamala
On: Mar 24, 2021
Authentic policy overviews
InsuranceDekho is my go-to place whenever I am in need of any insurance-related services. I have faith in this portal because each piece of information available on the website is authentic. I checked the claim settlement ratios and the number of network hospitals before buying HDFC Ergo General Insurance’s Optima Restore plan.
P
Pramit Saha
On: Feb 26, 2021
Genuine policy descriptions
I checked HDFC Ergo General Insurance’s Optima Restore plan description from InsuranceDekho. I was impressed with the genuine policy description that involved key inclusion and exclusions of the plan, claim settlement ratio of the insurance company, network hospital availability and so on.
P
Parikshit Pandey
On: Feb 24, 2021

Why to Buy Health Insurance Policy Online from InsuranceDekho

Tax benefit upto 75,000*
Claim support everyday 10AM-7PM
80 Lacs+ happy customers

Accessible through Whatsapp
I used the Whatsapp number given on the Website of InsuranceDekho requesting a policy brochure for HDFC Ergo General Insurance’s Optima Restore health plan. I received a reply with a downloadable policy brochure file instantly. Having a policy brochure on my mobile is convenient.
R
Rima Paul
On: Feb 23, 2021
Premium calculator is useful
I used the online premium calculator of InsuranceDekho to calculate the total premium amount for my HDFC Ergo General Insurance’s Optima Restore plan. It was a time and energy saver for me. Never knew premium calculation could be this easy. Really useful tool!
T
Trina Samanta
On: Feb 18, 2021
Wide budget range
The health insurance plans available on InsuranceDekho are within a wide budget range. I got plenty of options within my budget. I selected HDFC Ergo General Insurance’s Optima Restore plan which is completely within my budget with remarkable benefits.
R
Rishabh Pramanik
On: Feb 15, 2021
Got to know about cashless mediclaim
I landed on InsuranceDekho and learned how stress-free a cashless mediclaim is. With this type of mediclaim, I do not have to wait for the reimbursement, plus I could avail additional benefits. I went ahead and purchased HDFC Ergo General Insurance’s Optima Restore.
T
Tamal Arora
On: Feb 11, 2021
Numerous health insurance companies
Numerous health insurance companies are listed on the website of InsuranceDekho. The variety of plans include individual insurance plans to group insurance, maternity-specific plans, critical illness covered plan and so on. I selected HDFC Ergo General Insurance’s Optima Restore plan.
S
Saswati Samanta
On: Feb 02, 2021
Digital policy services
On InsuranceDekho, they try to resolve issues related to health insurance policies digitally. So that the customers do not have to be present physically for long hours. This feature convinced me to buy HDFC Ergo General Insurance’s Optima Restore plan.
P
Palak Mittal
On: Jan 27, 2021
Budget-friendly
I wanted a health plan within a tight budget. I found everything I was looking for on InsuranceDekho without any hassle. Finally, booked HDFC Ergo General Insurance’s Optima Restore plan. The plan delivers the best coverage within my budget.
D
Diptyajit Choudhury
On: Jan 20, 2021
Simple policy issuance
I came to InsuranceDekho in search of a befitting health plan. I created my free quote and started comparing the premium rates with others using the premium calculator. Finally, I found HDFC Ergo General Insurance’s Optima Restore plan and paid. It was simple and smooth.
I
Iraaj Haldar
On: Jan 13, 2021
Hassle-free renewal
I have just successfully completed the renewal of HDFC Ergo General Insurance’s Optima Restore plan. Since my health plan was issued from InsuranceDekho, I decided to renew it using the same platform without going anywhere else. The renewal was completely hassle-free.
K
Krishna Rana
On: Dec 30, 2020
Simplified claim settlement
I am a policyholder of HDFC Ergo General Insurance’s Optima Restore. Recently, I have been to a network hospital to avail health treatment for a minor injury. My policy is under the cashless mediclaim. I used InsuranceDekho to make the claim, it got settled in no time.
T
Triguna Dhar
On: Dec 28, 2020
Information about claim settlement
I am a policyholder of HDFC Ergo General Insurance’s Optima Restore plan. I wanted to get information on how claim settlement works. My friend suggested me to check InsuranceDekho which I did and got to know everything I needed to know about claim settlement procedure.
N
Naval Reddy
On: Dec 22, 2020
Availability of family floater plans
I was looking for an appropriate family floater plan that could cover my entire family under a single premium. I clicked on InsuranceDekho and found a bunch of affordable plans. I compared the premium quotes along with the benefits and bought HDFC Ergo General Insurance’s Optima Restore plan.
F
Farah Khatun
On: Dec 14, 2020
Numerous policy options
When I visited InsuranceDekho, the profound details of numerous policies made me amazed. The budget range was wide and the benefits were remarkable. I was convinced to buy my insurance from this platform only. So, I bought HDFC Ergo General Insurance’s Optima Restore plan.
N
Namrata Ramanan
On: Dec 09, 2020
Policy talk available on Whatsapp
I gave my Whatsapp number on the InsuranceDekho website to contact them and learn about the available plans of HDFC ERGO General Insurance. They sent me a detailed policy plan file through Whatsapp. I checked and chose the Optima Restore plan for my family.
I
Ishani Banerjee
On: Dec 01, 2020
Top-notch service
When I issued HDFC Ergo General Insurance’s Optima Restore plan, InsuranceDekho seemed convenient for the purpose. The website was easily comprehensible, the steps were simple to follow and the payment was done without any complications. I could not ask for a better service.
D
Dipika Das
On: Nov 27, 2020
Clarify your queries through Whatsapp
I was checking how Whatsapp communication works on the platform of InsuranceDekho. I gave my Whatsapp number on the website and got a reply. I continued with my queries regarding HDFC ERGO General insurance’s Optima Restore.
B
Bibek Mukherjee
On: Nov 23, 2020
Dedicated helpdesk
I wanted to get some more details about HDFC Ergo General Insurance’s Optima Restore. So, I contacted the customer team of insurancedekho.com. They stepped up to help me with all my queries. I even got great suggestions on how I could receive more benefits on my policy. I appreciate the help.
S
Subho Bhattacharya
On: Nov 18, 2020
Very informative website
I requested InsuranceDekho to my spouse to check for a suitable health insurance policy for us. At first, she was reluctant thinking she had no clue. But after visiting the website, she purchased the HDFC Ergo General Insurance Optima Restore health insurance all by herself. She said the information on the website was detailed and comprehensive.
S
Sourav Samanta
On: Nov 17, 2020

13214 HDFC ERGO Cashless Network Hospitals in India

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FAQs

What are the types of plans offered by HDFC Ergo?
HDFC Ergo best health insurance plans involve individual health insurance plans, family health insurance plans, parents health insurance plans, senior citizen health insurance plans, critical illness insurance plans, and a super top-up insurance plan.
Why should I buy health insurance by HDFC Ergo?
HDFC Ergo helps its customers ‘Take it easy. Experience the convenience.' To ensure the same, the company offers HDFC Ergo best health insurance plans that are specifically designed keeping the diverse health insurance needs of customers in mind. Moreover, HDFC health insurance policy offers benefits such as pre and post hospitalisation coverage, cashless claims, no sub-limits, tax benefits, day care procedures, domiciliary medical treatment, and others.
How to apply for and buy health insurance plans offered by HDFC Ergo?
You can apply for and buy HDFC Medical Insurance plans online through the HDFC Ergo website www.hdfcergo.com or through www.insurancedekho.com. Remember, you can make use of net banking, debit card, or credit card to pay the premium of HDFC health insurance policy as the company allows flexible payment modes.
Is there a limitation on the entry age for buying HDFC medical insurance plans?
The entry age for children is 91 days. However, there is no maximum entry age for adults to buy HDFC Ergo health insurance plans.
What is the customer care number of HDFC Ergo?
The customer care number for HDFC Ergo is 022 6234 6234.

View All

Claim Process at HDFC ERGO Health Insurance

Network Hospital
Non-Network Hospital

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
3
Claim Processing
Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
4
Claim Settlement
Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
3
Claim Processing
Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
4
Claim Settlement
Once your request for reimbursement of expenses is approved, the claim will be settled.