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HDFC ERGO Optima Restore Health Insurance User Reviews

526 reviews Rate This
HDFC ERGO
Highlights
Cashless Approval TATWithin 37 mins
Claim Settlement Ratio99.80%
Network Hospitals13,000+
PED Coverage Starting From3 year
Special Benefits2X Cover from Day 1
Starting Premium Rs. 1090/month

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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

  • 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
    • Must BuyMust Buy

    Why to Buy Health Insurance Policy Online from InsuranceDekho

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

  • 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

9552 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.

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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.

HDFC ERGO Health Insurance Contact Details

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