HDFC Ergo

Optima Restore: A popular and economical policy within Apollo Munich's (now HDFC Ergo) stable. It covers most bases, has no unsavoury conditions, and offers many useful benefits.

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whatWeLike What We Like

This section highlights the strengths and benefits of Optima Restore policy by HDFC Ergo. It covers what the policy does exceptionally well, including aspects that provide significant value and peace of mind to the policyholder. Here, you will find the major advantages and positive features that make this policy stand out.

Special Bonus for being healthy and not claiming insurance

Sum Insured Increase (50% Annually, Cap at 100%, Claim Reduction): Your sum insured increases by 50% each year as long as you make no claims during th...

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You’ll never have to split the bill

Full Coverage (No Co-Payment): The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny, meani...

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You always have full cover irrespective of the disease

No Disease-Wise Sub-Limits: If your insurer hasn't explicitly excluded an illness, you can claim the full sum insured for any disease, as this policy ...

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Good Restoration Benefit

Multiple Hospitalizations: After a partial claim, the insurer will fully restore your cover for any future hospitalizations within the same year, allo...

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Free Health Checkups every year

Annual Full Body Checkup: If you’re planning on getting a full body checkup every year just to make sure you’re in fine working condition, the insurer...

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You can pick any room you like

Room Rent Flexibility: You can choose any room, whether it's a shared room, single room, or deluxe room, as there are no restrictions on room rent wit...

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Pre & Post hospitalization expenses covered

Diagnostic Tests Coverage (60 days/180 days): No worries if the doctor has to run a host of diagnostic tests before or after hospitalizing you. The in...

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Day Care treatments covered

Minor Procedure Full Coverage: If you're hospitalized for less than 24 hours for a minor procedure, the insurer will cover the costs. This includes tr...

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Full coverage even if you are forced to hospitalize at home

Domiciliary Cover: The insurer will bear the costs even if you are hospitalized at home due to a condition or the hospital running out of beds. This i...

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whatIsOk What Is Okay

This section outlines the satisfactory but not exceptional aspects of Optima Restore policy by HDFC Ergo. It includes features and benefits that are adequate and meet standard expectations. While these elements may not be extraordinary, they still contribute to the overall usefulness and reliability of the policy.

Reasonable waiting period for pre-existing diseases

Coverage After 3 Years: If you have diabetes, cardiovascular problems, or similar illnesses, the insurer covers all related costs after a 3-year waiti...

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whatWeDontLike What We Don't Like

This section addresses the limitations and drawbacks of Optima Restore policy by HDFC Ergo. It highlights areas where the policy may fall short or aspects that could be improved. Understanding these points is crucial for making an informed decision and managing expectations regarding the policy’s coverage and service.

No Cover for Alternative Medicine

Coverage After 3 Years: If you have diabetes, cardiovascular problems, or similar illnesses, the insurer covers all related costs after a 3-year waiti...

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Frequently Asked Questions

Medfin offers the latest surgical procedures to ensure that you
recover as fast as possible in the least painful way possible.

The claim settlement ratio for Optima Restore in 2024 is 99.41%. This high ratio demonstrates the insurer's commitment to efficiently processing claims, offering peace of mind to policyholders.

The primary benefit of the Optima Restore Plan is the automatic restoration of the sum insured if it is exhausted due to a claim, available once in a policy year.

Yes, the plan covers expenses related to organ donation, including the donor’s hospitalization and surgery costs.

No, there is no limit to the number of claims one can make in a year, provided the sum insured is available.

Yes, the plan includes coverage for alternative treatments like Ayurveda, Homeopathy, and Unani.

The claim settlement ratio for Optima Restore in 2024 is 99.41%. This high ratio demonstrates the insurer's commitment to efficiently processing claims, offering peace of mind to policyholders.

The Optima Restore Plan offers automatic restoration of the sum insured if it is exhausted due to a claim, available once in a policy year.

Yes, pre-existing conditions are covered after a waiting period of 36 months.

Yes, the plan includes coverage for alternative treatments like Ayurveda, Homeopathy, and Unani.

Yes, the plan includes wellness benefits such as health check-ups, nutritional counseling, and access to fitness programs.

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