HDFC ERGO Optima Restore

Tax Benefits

• Tax benefits under 80D of Income Tax Act

Waiting Period

• 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 hospitalisations shall be admissible in the first 30 days from the date of policy issuance.

Renewability and Coverage

• In-patient Treatment
• Pre-hospitalization
• Post-hospitalization
• Day care Procedures
• Domiciliary Hospitalization
• Ambulance Cover
• Organ Donor Expenses
• Restore Benefit
• Multiplier Benefit
• Preventive Health Check-up
• E-Opinion in respect of a Critical Illness
• Emergency Air Ambulance
• Stay Active Benefit
• Critical Advantage Rider (optional)

Additional Benefits

• Coverage for hospitalization, pre and post hospitalization, day care expenses and more
• Restore Benefit automatically adds 100% sum insured on complete or partial utilization of your Sum Insured
• Multiplier benefit doubles your sum insured in 2 claim free years
• Preventive Health check-up benefit offered at renewal irrespective of claim status
• We encourage you to stay fit and with Stay Active benefit, simply walk your way to good health and earn upto 8% discount on your renewal premium.
• No sub-limit on room rent: With Optima Restore you can get the room you like and the treatment you deserve without a hassle
• Policy term option of 1 and 2 year, and is available for both individuals and family
• Family Discount of 10% if 2 or more family members are covered under Optima Restore Individual Sum Insured Plan, and an additional 7.5% discount is offered on the premium if you choose a 2 year policy
• Cashless treatment at network hospitals
• Life-long renewability, subject to regular receipt of premiums by Us.