Can I buy HDFC ERGO Health's Optima Restore plan online?

Yes, you can buy HDFC ERGO Health's Optima Restore plan online by visiting our website www.insurancedekho.com.

Is daily cash for choosing a shared room available under this policy?

Yes, Optima Restore provides daily cash for choosing shared accommodation. The cash amount depends on the sum insured chosen.

What is a Multiplier benefit?

Multiplier Benefit is a feature that offers a 100% increment in the Sum Insured after 2 claim free years.

What is ‘Stay Active benefit under the Optima Restore plan?

Stay Active benefit under the Optima Restore plan is a feature, which rewards you premium discounts by leading an active lifelessly. For Detail, call our toll-free number 7551196989.

What is “Health Jinn”?

“Health Jinn” is a mobile application provided to the insured by HDFC ERGO Health Insurance. This application allows you to track your progress of staying active.

What is the number of network-hospitals of HDFC ERGO Health Insurance?

HDFC ERGO Health Insurance allows you to avail cashless treatment at 4,500+ network hospitals in over 800 cities.

What is the Restore Benefit of the Optima Restore Plan?

Restore benefit is a feature of the plan. If you fully or partially use the sum insured, Restore adds 100% of the sum insured. The restore amount is equal to 100% of the basic sum insured.

Can I avail the benefits of Critical Advantage Rider?

HDFC ERGO Health Insurance allows you to avail cashless treatment at 4500+ network hospitals in over 800 cities.

What is an e-opinion?

Under the Optima Restore policy, HDFC ERGO Health Insurance arranges for a second opinion from a medical practitioner from its panel selected by the insured person. An insured person can avail this facility once in a policy year after being diagnosed with a critical illness.

Are daycare procedures covered under the Optima Restore plan?

Yes, daycare procedures are covered by the Optima Restore plan.

HDFC ERGO Optima Restore Health Insurance Wordings

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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

HDFC ERGO Optima Restore Brochure

263.12 KB
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Nov 09, 2020

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HDFC ERGO Health Insurance Plan List

Family (3)
Individual (4)
Cancer (1)
Critical Illness (2)
Diabetes (1)
Parents (1)
Senior Citizen (1)

Name of Plan	Sum Insured
Optima SecureMin: 91 Days, Max: 65 YearsPopular		Check Premium
Optima RestoreMin: 91 Days, Max: 65 YearsPopular	3 Lakh	Check Premium
my: health SurakshaMin: 91 Days; Max: No LimitPopular	3 Lakh	Check Premium
Health Suraksha Top-Up Plus PolicyMin: 91 days; Max: 65 years	3 Lakh - 10 Lakh	Check Premium
my:Health Women Suraksha PolicyMin: 18 years; Max: 45 years	1 Lakh - 1 Crore	Check Premium
Dengue Care Policy Min: 91 Days; Max: 65 years	50 Thousand - 1 Lakh	Check Premium
Easy Health PolicyMin: 91 days; Max: 65 years	1 Lakh - 50 Lakh	Check Premium
my:Health Koti SurakshaMin: 18 years; Max: 65 years		Check Premium
Maxima PolicyMin: 91 Days; Max: 65 years		Check Premium
Day2Day Care PolicyMin: 91 Days; Max: 65 years		Check Premium
iCan CancerMin: 5 Years; Max: 65 Years	5 Lakh	Check Premium
Health WalletMin: 91 Days; Max: 65 Years	3 Lakh	Check Premium
EnergyMin: 18 Years, Max: 65 Years	2 Lakh	Check Premium
Optima SeniorMin: 61 Years; Max: No Limit	2 Lakh	Check Premium
Corona Kavach PolicyMin: 1 day ; Max: 65 years	50,000 - 5 lakh	Check Premium
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years	1 Lakh - 5 Lakh	Check Premium
Critical Illness PlanMin: 5 Years; Max: 65 Years	5 Lakh	Check Premium

HDFC ERGO Health Insurance Top Up List

Top-up (4)
Family (1)
Individual (1)

Name of Plan	Sum Insured
Optima PlusMin: 91 Days; Max: 65 YearsPopular	5 Lakh	Check Premium
my: Health Medisure Super Top-upMin: 3 Months; Max: 65 YearsPopular	3 Lakh	Check Premium
Optima SuperMin: 91 Days; Max: 65 Years	5 Lakh	Check Premium

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FAQs on Optima Restore Health Insurance Plan

Can I buy HDFC ERGO Health's Optima Restore plan online?
Yes, you can buy HDFC ERGO Health's Optima Restore plan online by visiting our website www.insurancedekho.com.
Is daily cash for choosing a shared room available under this policy?
Yes, Optima Restore provides daily cash for choosing shared accommodation. The cash amount depends on the sum insured chosen.
What is a Multiplier benefit?
Multiplier Benefit is a feature that offers a 100% increment in the Sum Insured after 2 claim free years.
What is ‘Stay Active benefit under the Optima Restore plan?
Stay Active benefit under the Optima Restore plan is a feature, which rewards you premium discounts by leading an active lifelessly. For Detail, call our toll-free number 7551196989.
What is “Health Jinn”?
“Health Jinn” is a mobile application provided to the insured by HDFC ERGO Health Insurance. This application allows you to track your progress of staying active.
What is the number of network-hospitals of HDFC ERGO Health Insurance?
HDFC ERGO Health Insurance allows you to avail cashless treatment at 4,500+ network hospitals in over 800 cities.
What is the Restore Benefit of the Optima Restore Plan?
Restore benefit is a feature of the plan. If you fully or partially use the sum insured, Restore adds 100% of the sum insured. The restore amount is equal to 100% of the basic sum insured.
Can I avail the benefits of Critical Advantage Rider?
HDFC ERGO Health Insurance allows you to avail cashless treatment at 4500+ network hospitals in over 800 cities.
What is an e-opinion?
Under the Optima Restore policy, HDFC ERGO Health Insurance arranges for a second opinion from a medical practitioner from its panel selected by the insured person. An insured person can avail this facility once in a policy year after being diagnosed with a critical illness.
Are daycare procedures covered under the Optima Restore plan?
Yes, daycare procedures are covered by the Optima Restore plan.

View More Questions

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.