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What is covered in Optima Restore policy?

Posted on August 12, 2022 by Author

What is covered in Optima Restore policy?

You deserve the best and the latest medical treatments. So our Optima Restore covers advanced procedures like robotic surgeries, stem cell therapy, and oral chemotherapy. Also, enjoy life-long protection as you can continuously renew your health plan, even after you turn 65 years of age.

What is restore benefit in HDFC Ergo?

HDFC Ergo’s Health Suraksha Plan comes with an add on cover called “regain benefit”, which can restore 100\% of the sum insured once the provided no claim bonus has been totally exhausted in the year. It is quite clear that the restoration benefit is an ideal add on cover for health insurance.

What is restore benefit in Optima Restore?

Restore Benefit: Claim 1 and get another! Under this plan, if one of the family members consumes the floater sum insured during the policy term and another member falls sick later in the same insured period, the policy will restore the entire amount with no extra premium charged.

How do I cancel my Optima Restore policy?

In case the customer does not wish to continue the policy, then he has the option to terminate the policy by giving a written notice at any of the apollo munich health insurance branch or call on the Toll free number – 1800 102 0333. The cancellation will be from the date of receipt of such written notice.

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Does Optima Restore cover accident?

This section of benefits is applicable when • An insured suffers an Accident or Illness, which is covered under this Policy • Hospitalisation is necessary & is done for treatment OR • Day care treatment is necessary and is done OR • Domiciliary treatment is necessary and is done IMPORTANT: Claims made under these …

Is critical illness covered in Optima Restore?

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.

Is dental treatment covered in HDFC Ergo Optima Restore policy?

Dental treatments are generally not covered in your health insurance plan. But, in case a dental treatment requires a minimum of 24 hours of hospitalization, which is caused due to an accident, your health insurance policy will cover such a treatment.

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Is pregnancy covered in Optima Restore?

Maternity related expenses are excluded in this plan as is the case with most plans.

Is pregnancy cover in HDFC Ergo?

HDFC ERGO offers medical insurance with maternity benefits in two of its plans namely; Health Suraksha Gold & Medisure Classic. Both these plans offer ample of benefits along with maternity cover after a continuous renewal of 4 years.

Does Optima Restore cover pregnancy?

This policy covers all basic hospitalization expenses with the benefit of restoring the initial Basic Sum Assured if it is utilized for claim and upto 100\% of Basic Sum Assured as No Claim Bonus is payable in this plan. Maternity related expenses are excluded in this plan as is the case with most plans.

Does HDFC Ergo Optima Restore cover pregnancy?

What are the benefits of optoptima Restore plan?

Optima Restore Plan is one of the most-selling health insurance products of HDFC ERGO General Insurance. The plan comes with three incredible benefits- Restore, Multiplier and Stay Active. Restore adds 100\% of the sum insured if you use the policy sum insured fully or partially.

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Why choose HDFC ergo health insurance?

We give you complete coverage on room-rent, up to the sum insured. Save more with tax benefits on health insurance premiums. Yes, you can save tax up to ₹75,000 with HDFC ERGO Health Insurance plans. You deserve the best and the latest medical treatments.

What are the features of Optima Health Insurance?

Features Product Features Optima Restore Organ Donor Expenses Medical and surgical Expenses of the org Restore Benefit Instant addition of 100\% Basic Sum Insur Multiplier Benefit 50\% increase in your basic sum insured f Preventive Health Check-up Preventive Health Check-up available on

How does restore benefit work?

Restore benefit is triggered only after complete core cover (+bonus) is exhausted. It is applicable only once during a policy year and is not carried forward to the next year. It cannot be claimed on the same disease or illness for which claim has already been made.

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