HDFC ERGO Health Optima Restore Plan

Product Features

Optima Restore

Sum Insured

Rs 3 Lac, 5 Lac, 10 Lac, 15 Lac, 20 Lac, 25 Lac, 50 Lac

In-patient Treatment

Hospitalization charges more than 24 hours is covered

Pre-hospitalization

Medical expenses incurred in 60 days before the hospitalisation are covered

Post-hospitalization

Medical expenses incurred in 180 days after the hospitalisation are covered

Day care Procedures

All day care procedures are covered

Domiciliary Hospitalization

Medical expenses incurred for availing medical treatment at home due to health conditions or unavailability of bed at the hospital, which would otherwise have required hospitalisation.

Ambulance Cover

Upto Rs. 2,000 per hospitalisation for utilizing ambulance service for transporting insured person to hospital in case of an emergency is covered

Organ Donor Expenses

Medical and surgical Expenses of the organ donor for harvesting the organ where an Insured Person is the recipient is covered

Restore Benefit

Instant addition of 100% Basic Sum Insured on complete or partial utilization of Your existing Policy Sum Insured and Multiplier Benefit (if applicable) during the Policy Year. The restore sum insured can be used to all claims including claims for same illness/disease for which a claim has already been paid.
However, single claim in a Policy Year cannot exceed the sum of Basic Sum Insured and Multiplier Benefit (if any)

Multiplier Benefit

50% increase in your basic sum insured for every claim free year, subject to a maximum of 100%. In case a claim is made during a policy year, the limit under this benefit would be reduced by 50% of the basic sum insured in the following year. However this reduction will not reduce the Sum Insured below the basic Sum Insured of the policy

Preventive Health Check-up

Preventive Health Check-up available on all Sum Insured above 3 lac on renewals irrespective of claims

E-Opinion in respect of a Critical Illness

Second opinion by a Medical Practitioner from Our panel, for a Critical Illness suffered during the policy period.
“Critical Illness” includes Cancer of Specified Severity, Open Chest CABG, Myocardial Infarction (First Heart Attack of specific severity), Kidney Failure requiring regular dialysis, Major Organ/Bone Marrow Transplant, Multiple Sclerosis with Persisting Symptoms, Permanent Paralysis of Limbs and Stroke resulting in permanent symptoms

Emergency Air Ambulance

Expenses upto 2.5 lacs for ambulance transportation in an airplane or helicopter for emergency life threatening health conditions is covered. This cover is available for Sum Insured of 10 lac and above

Stay Active Benefit

We encourage you to stay healthy and fit, with Stay Active benefit, simply walk your way to good health and earn upto 8% discount on your renewal premium.

Critical Advantage Rider (optional)

You can opt to cover yourself worldwide at our network centers against treatment expenses for 8 major illnesses that include Cancer, Coronary Artery by-pass surgery, Heart Valve replacement / repair, Neurosurgery, Live Donor Organ Transplant, Bone Marrow Transplant, Pulmonary artery graft surgery and Aorta Graft Surgery. The rider offers you freedom to not only avail best healthcare services world over but also covers all travel costs for the insured and accompanying relative, accommodation expenses, second opinion & post hospitalization expenses. This rider will be offered where base policy Sum Insured is Rs.10 lacs & above. This rider can be issued to an individual and/or family only on individual Sum Insured basis.