Optima Restore Individual Health Insurance Plan

Optima Restore Individual Health Insurance Plan
This plan offers the choice to the Master Policyholder to define the proportion of premium to be allocated to the 2 funds available. The asset composition of each fund is as detailed.

Reasons to choose Optima Restore Individual Health Plan

100% Restore Benefit
Get 100% of your basic Sum Insured restored instantly after the first claim. Optima restore is a unique health plan that restores your sum insured on partial or complete utilization of your health cover, for your future needs.

2X Multiplier Benefit
50% increase in basic Sum insured for every claim free year, subject to a maximum of 100%

Complimentary Health Check-Up
Regular health check-ups keep track of your well-being and help in early diagnosis of illnesses. Enjoy preventive health check-ups up to₹10,000 with Optima Restore at the time of renewals.

Daily Hospital Cash
Worried about out-of-pocket expenses in case of hospitalization? Get daily cash of up to Rs.1,000 per day and maximum of Rs.6,000 per hospitalization on choosing shared accommodation in a network hospital with Optima Restore.

What is covered in Optima Restore Individual Health Plan ?

Hospitalization Expenses
Just what you expect of your health insurance plan- We cover you for hospitalization due to illnesses and injuries seamlessly.

Pre And Post Hospitalization
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 Rs.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 Rs. 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

What is not included in Optima Restore Individual Health Plan ?

Treatment Availed Outside India
Any Treatment availed overseas/outside India remains excluded from the scope of this policy

Self-Inflicted Injuries
Consequences of use and Abuse of intoxicant or hallucinogenic substances like intoxicating drugs and alcohol lead to self-inflicted wounds. Our policy does not cover self-inflicted injuries.

War
War can be disastrous and unfortunate. However, our policy does not cover any claim that are caused due to wars.

AIDS/HIV
AIDS or infection with HIV, including but not limited to conditions related to arising out of HIV/AIDS such as ARC (AIDS Related Complex), Lymphomas in the brain, Kaposi's sarcoma and tuberculosis.

Venereal Or Sexually Transmitted Diseases
We do understand the criticality of your disease. However, our policy does not cover venereal or sexually transmitted diseases.

Treatment Of Obesity Or Cosmetic Surgery
Treatment of obesity or cosmetic surgery is not eligible for coverage under this insurance policy.

Waiting Periods

First 24 Months From Policy Inception
Few illnesses & treatments are covered after two years of policy issuance.

First 36 Months From Policy Inception
Declared or accepted pre-existing conditions at the time of application will be covered after 36 months of continuous coverage after the date of inception

First 30 Days From Policy Inception
Only accidental hospitalizations shall be admissible in the first 30 days from the date of policy issuance.