HDFC ERGO Optima Restore
HDFC ERGO
9.4/10
OneAssure Rating
9.4/10
OneAssure Rating
Highlighted Features
No Limit on ICU & Private Room Comfort
Provides a Single A/C Private Room for normal hospitalization and no limit on ICU room rent, ensuring top-quality medical care.
10% Co-Payment for Senior Citizens
Policyholders above 80 years must contribute 10% of each claim, ensuring continued coverage with shared medical costs.
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Our Verdict
The HDFC ERGO Health Optima Restore Plan offers comprehensive coverage with unique Restore and Multiplier Benefits. Ideal for families and individuals seeking robust financial protection and rewarding no-claim incentives.
About the Plan
The HDFC ERGO Health Optima Restore Plan offers ₹3 lakh to ₹50 lakh in coverage, including hospitalization, pre-hospitalization (60 days), post-hospitalization (180 days), and daycare procedures. Its Restore Benefit reinstates 100% of the sum insured, while the Multiplier Benefit increases coverage by 50% per claim-free year, doubling in two years. It also provides preventive health check-ups at renewal. This plan ensures comprehensive coverage, financial security, and proactive health management, making it ideal for individuals and families.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent
- Normal: Single A/c Private room
- ICU: No Limit
Co-payment
All person(s) named in the schedule to this policy above the age of 80 years (age last birthday) shall bear a co-pay of 10% for each and every claim.
Waiting Period
- Initial Waiting Period: 30 days from the policy's inception, applicable to all illnesses except those resulting from accidents.
- Specific Diseases and Treatments: 24 months for certain listed illnesses and surgical procedures.
- Pre-existing Diseases: 36 months before coverage begins for any pre-existing conditions declared at the time of policy purchase.
Cashless Healthcare Providers
16000+ network hospitals
Daycare Treatment
All day care treatments available. Expenses of Hospitalization for a minimum period of 24 consecutive hours only shall be admissible.
AYUSH Treatment
AYUSH is Covered up to Sum Insured.
Exclusions
No coverage for any illness, except accidental injuries, occurring within the first 30 days of policy commencement.
Conditions existing before policy inception are covered only after a continuous waiting period of 36 months.
Certain ailments and procedures, such as cataract, hernia, and joint replacement, have a 24-month waiting period before coverage begins.
Medical expenses arising from self-harm, including suicide attempts, are not covered under this policy.
Treatment costs related to alcohol or drug misuse and associated complications are excluded from coverage.
Expenses for cosmetic or plastic surgeries aimed at enhancing appearance are not covered unless medically necessary due to injury.
Medical expenses for fertility treatments, assisted conception, or related procedures are excluded from the policy.
Routine dental care, including dentures and oral surgeries, is not covered unless required due to an accident.
Costs for corrective devices like spectacles, contact lenses, or hearing aids are not covered.
Expenses for alternative treatments not recognized by Indian medical councils, except AYUSH (Ayurveda, Yoga, Unani, Siddha, and Homeopathy), are excluded.
Medical conditions resulting from acts of war, invasion, or civil unrest are not covered.
Injuries sustained while engaging in adventure sports or hazardous activities are excluded from coverage.
Expenses related to childbirth, including prenatal and postnatal care, and treatment of the newborn are not covered.
Treatment for congenital anomalies or genetic disorders is excluded from the policy coverage.
Procedures or treatments that are unproven, experimental, or not in line with standard medical practice are not covered.
Exclusions
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Why OneAssure?
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About the Company
HDFC Ltd., India’s top financial services company, and ERGO International, part of Munich Re Group of Germany. The company offers a wide range of insurance products, including health, motor, travel, home, and commercial insurance.
In health insurance, HDFC ERGO is known for flexible plans, large coverage options, and easy claim processes. It has a wide hospital network across the country for cashless treatments. The company also provides modern services like wellness programs, online claim filing, and round-the-clock support.
HDFC ERGO is trusted by millions of customers for its reliable service and transparent policies. With strong financial backing and global expertise, it combines local understanding with international standards. The company focuses on customer satisfaction and aims to provide affordable protection for families, individuals, and businesses across India.
About the Company
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