Hospitalization expenses
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Just what you expect of your health insurance plan- We cover you for hospitalization due to illnesses and injuries seamlessly.
Pre and Post Hospitalisation
Your costs for diagnosis and follow up consultations, are covered too. All your pre-hospital admission expenses up to 60 days, and post-discharge expenses till 180 days are included.
Day-care procedures
Medical advancements help in wrapping up urgent surgeries and treatments in less than 24 hours, and guess what? We cover all your daycare procedures.
Emergency Road Ambulance
If you need to, rush to a hospital in case of an emergency. Your ambulance costs are covered up to ₹2000 per hospitalization.
Organ Donor Expenses
Organ donation is a noble cause. Hence, we cover the medical and surgical expenses of the organ donor when harvesting a major organ transplant.
No sub-limit on room rent
If you have to stay at the hospital, choose a comfortable and convenient room for yourself, without bothering about its bills. We give you complete coverage on room-rent, up to the sum insured.
Tax Savings
Save more with tax benefits on health insurance premiums. Yes, you can save tax up to ₹75,000 with HDFC ERGO Health Insurance plans.
Modern Treatment methods
You deserve the best and the latest medical treatments. So our Optima Restore covers advanced procedures like robotic surgeries, stem cell therapy, and oral chemotherapy.
Lifetime Renewals
Also, enjoy life-long protection as you can continuously renew your health plan, even after you turn 65 years of age.
Family Discounts
There’s more. Get family discount of 10% if 2 or more family members are covered under Optima restore individual sum insured plan
HDFC ERGO Optima Restore Health Insurance Plan
HDFC ERGO Optima Restore Health Insurance Plan
Key Features
Key Features
👉 Sum Insured Options: ₹3 lakh to ₹1 crore
👉Restore Benefit: 100% of the base sum insured is automatically reinstated once it gets exhausted in a policy year.
👉Unlimited Restore (Optional Add-on): Allows multiple restorations within the same policy year.
👉Multiplier Benefit: 50% increase in base sum insured at each renewal, up to a maximum of 100%.
👉Preventive Health Check-Up: Complimentary check-up offered, frequency depends on sum insured.
👉Stay Active Benefit: Discounts on renewal premium (up to 8%) by achieving daily fitness goals via insurer’s app.
Coverage Benefits
Coverage Benefits
👉 In-patient Hospitalization: Covers hospitalization expenses including room rent, nursing, doctor’s fee, ICU, medicines, and procedures.
👉Pre-Hospitalization: Medical expenses for up to 60 days before hospitalization.
👉Post-Hospitalization: Medical expenses for up to 180 days after discharge.
👉Daycare Procedures: All procedures requiring less than 24 hours of hospitalization are covered.
👉Ambulance Cover: Up to ₹2,000 per hospitalization.
👉Organ Donor Expenses: Donor’s hospital and surgery expenses covered.
👉Room Rent: No sub-limits, any room category allowed.
👉Modern Treatments: Coverage for advanced treatments like robotic surgeries, stem-cell therapy, oral chemotherapy, etc.
👉Domiciliary Treatment: Treatment at home covered if hospital admission is not possible.
Discounts & Add-Ons
Discounts & Add-Ons
👉 Family Discount: ~10% when more than one family member is insured.
👉Multi-Year Discount: ~7.5% discount for a 2-year policy.
👉Tax Benefits: Premiums eligible for deduction under Section 80D of the Income Tax Act.
Eligibility
Eligibility
👉Entry Age:
o Adults: 18 to 65 years
o Children: 91 days to 25 years
👉Renewability: Lifelong
Waiting Periods
Waiting Periods
👉Initial Waiting Period: 30 days (accidents covered from day one).
👉Specific Diseases: 24 months waiting (for listed conditions like hernia, cataract, etc.).
👉Pre-Existing Diseases: 36 months waiting period.
Common Exclusions
Common Exclusions
👉Dental treatments (unless accidental)
👉Maternity and newborn expenses
👉Cosmetic and plastic surgery
👉Obesity-related treatments
👉Congenital diseases
👉Substance abuse-related treatments
👉 Experimental/alternative treatments (unless specifically covered)
👉OPD expenses (unless optional add-on chosen)
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