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HDFC ERGO Optima Restore Health Insurance Wordings

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Highlights
Cashless Approval TAT45 mins Cashless Claim Processing
Claim Settlement Ratio100%
Network Hospitals12,000+
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

HDFC ERGO Optima Restore Brochure

  • 263.12 KB
  • PDF Document
  • Nov 09, 2020

HDFC ERGO Health Insurance Plan List

  • Family (3)
  • Individual (4)
  • Cancer (1)
  • Critical Illness (2)
  • Diabetes (1)
  • Parents (1)
  • Senior Citizen (1)
Name of PlanSum Insured
Optima SecureMin: 91 Days, Max: 65 Years Check Premium
Optima RestoreMin: 91 Days, Max: 65 Years3 Lakh Check Premium
my: health SurakshaMin: 91 Days; Max: No Limit3 Lakh Check Premium
Health Suraksha Top-Up Plus PolicyMin: 91 days; Max: 65 years3 Lakh - 10 Lakh Check Premium
my:Health Women Suraksha PolicyMin: 18 years; Max: 45 years1 Lakh - 1 Crore Check Premium
Dengue Care Policy Min: 91 Days; Max: 65 years50 Thousand - 1 Lakh Check Premium
Easy Health PolicyMin: 91 days; Max: 65 years1 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 Years5 Lakh Check Premium
Health WalletMin: 91 Days; Max: 65 Years3 Lakh Check Premium
EnergyMin: 18 Years, Max: 65 Years2 Lakh Check Premium
Optima SeniorMin: 61 Years; Max: No Limit 2 Lakh Check Premium
Corona Kavach PolicyMin: 1 day ; Max: 65 years50,000 - 5 lakh Check Premium
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years1 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 PlanSum Insured
Optima PlusMin: 91 Days; Max: 65 Years5 Lakh Check Premium
my: Health Medisure Super Top-upMin: 3 Months; Max: 65 Years3 Lakh Check Premium
Optima SuperMin: 91 Days; Max: 65 Years5 Lakh Check Premium

9552 HDFC ERGO Cashless Network Hospitals in India

Choose HDFC ERGO Critical Illness Plan

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.

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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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