Get up to 100% cover enhancement as no claim bonus. IRDAI Registration Number : 146 (Registration type: General Insurance Yes, Optima Restore covers its policy holders in case of multiple claims against the same or similar medical emergencies. Trade Logo displayed above belongs to HDFC LTD and ERGO International AG and used by HDFC ERGO General Insurance Company under license. HDFC Ergo is a leading general insurance company in India. Hospitalization expenses for COVID19 are covered under this plan subject to all terms and conditions of the policy. We reward you for staying healthy. Incurred ratio ante aa company collect … Optima Restore comprehensive health insurance plan is tailor-made for you and only you! Terms and Conditions Applied. “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, Expenses upto 2.5 lacs for ambulance transportation in an airplane or helicopter for emergency life threatening health conditions is covered. This rider can be issued to an individual and/or family only on individual Sum Insured basis. Property&Misc Insurance|Risk Consulting Services| You deserve the best and the latest medical treatments. Claim form| KYC Form|Other Documents, Procedure to make changes: Health Insurance|Home Insurance| For Claim/Policy related Optima Restore by HDFC ERGO offers a bunch of benefits to give you ultimate financial security, with the cover ranging from â¹ 5 lacs to 50 lacs. #1.5 Crore+ Active Customers upto Sept - 2020 © HDFC ERGO General Insurance Company Limited. Optima Restore comprehensive health insurance plan is tailor-made for you and only you! Travel Insurance For Senior Citizens| And now comes the best part - your cover amount gets restored as it was.>. The health check-up benefit is available once in 2 years on sum insured of Rs 5 lakhs and once every year on sum insured of Rs. Consequences of use and Abuse of intoxicant or hallucinogenic substances like intoxicating drugs and alcohol lead to self-inflicted wounds. Secure yourself & your assets! under license. This unique health insurance plan reinstates the sum insured on partial or complete utilisation of the health cover, which is meant to fulfil all your future needs. Enjoy preventive health check-ups up toâ¹5,000 with Optima Restore at the time of renewals. Personal Accident Insurance, Others: Insurance FAQs|Glossary|Travel Media Assist| Travel Insurance for Schengen VISA from India| Travel Insurance for Australia| The restore sum insured can be used to all claims including claims for same illness/disease for which a claim has already been paid. How much do I have to pay for the policy per month? Life-long renewability, subject to regular receipt of premiums by Us. |Health Insurance Renewal| Provides Cashless Hospitalisation, Tax Savings, Restore Benefit and No Medical Test* on enrolment for applicants. Get daily cash of up to â¹1,000 per day and maximum of â¹6,000 per hospitalization on choosing shared accommodation with Optima Restore. Cashless Health Insurance|Health Insurance Premium Calculator In-patient Hospitalization. Liability Only Insurance| Commercial Vehicles Insurance| Take care of Medical expenses incurred in 60 days before the hospitalisation are covered. Read More Personal Accident|my:health Suraksha Silver Smart| Student Suraksha Insurance| Annual Multi-trip Insurance| Staying unaware. 5. It can be used once in every policy year for a lifetime, provided you keep renewing your policy. War can be disastrous and unfortunate. 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. We cover all your daycare procedures. This cover is available for Sum Insured of 10 lac and above. 6.How many times can the Restore Benefit be claimed in a policy year or lifetime? Family Health Optima Family Floater 3 Lakh. AIDS or infection with HIV, including but not limited to conditions related to arising out of HIV/AIDS such as ARC (AIDS Related Complex), Lymphomas in the brain, Kaposi’s sarcoma and tuberculosis. You are logged out due to an inavlid browser activity, Rs 3 Lac, 5 Lac, 10 Lac, 15 Lac, 20 Lac, 25 Lac, 50 Lac, Hospitalization charges more than 24 hours is covered, Medical expenses incurred in 60 days before the hospitalisation are covered, Medical expenses incurred in 180 days after the hospitalisation are covered. my:health Suraksha Silver|my:health Suraksha Silver with ECB&Rebound| Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. to talk to our team! Optima restore is a unique health plan that restores your sum insured on partial or complete utilization of your health cover, for your future needs. Our policy does not cover accidents encountered while participating in adventure sports. HDFC ERGO General optima senior plan is one of the best health plans for senior citizens to invest in. No, the Restore Benefit is completely autonomous and refills the amount once a claim is settled. It has been awarded various honors and recognition making it a reputable name in the health insurance industry. Few illnesses & treatments are covered after two years of policy issuance. Yes, you can save tax up to â¹75,000 with HDFC ERGO Health Insurance plans. Tax benefits are as per the Income Tax Act, 1961, and are subject to amendments made thereto from time to time. This includes Home Insurance For Housing Society| Home Insurance for Television| Moreover, the policy also provides the option to convert this into a full-fledged indemnity policy while you approach your retirement age. Any additional information requested must be submitted within 15 days of our request. So our Optima Restore covers advanced procedures like robotic surgeries, stem cell therapy, and oral chemotherapy. I have just successfully completed the renewal of HDFC Ergo General Insurance’s Optima Restore plan. Most of us don’t realize the importance of health insurance until something fatal … We pay for your Health check-up at every renewal irrespective of claim status. H. T. Parekh Marg, Churchgate, Mumbai – 400 020. HDFC Ergo Health Has No Sub Limits & No Capping On Room Rents HDFC Ergo Health Has No Copayment HDFC Ergo Health Caters Hassle Free Claim Settlements; HDFC Ergo Health Was the 1st Company To Introduce "Life Long Renewal", "Restore" Feature Which has won multiple Awards For It Innovative Products. Two Wheeler Insurance Renewal| Car Insurance Renewal| Bike Insurance Renewal| The policy premium depends on the plan you choose, whether you’re insuring only yourself or your family, and the amount of cover you choose. Personal Login Business Login Intimate HDFC ERGO Health within 14 days of diagnosis of first occurrence of critical illness. Hence, we cover the medical and surgical expenses of the organ donor when harvesting a major organ transplant. Optima Restore plan can be claimed in two ways-Cashless claim and reimbursement claim. Optima Senior Plan Review. So, Senior Citizen Health Insurance This rider will be offered where base policy Sum Insured is Rs.10 lacs & above. Policy of Protection of Interests of Policyholders, Health Suraksha pre policy checkup status, Medisure Classic/Medisure Super top up pre policy checkup status, my:health Suraksha Silver with ECB&Rebound, my:health Women Suraksha Critical Illness Comprehensive Plan, my:health Women Suraksha CI Essential Plan, my:health Women Suraksha Cancer Plus Plan, Travel Insurance for Schengen VISA from India. 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. Knowledge Centre Whatsapp us on 73045 24888 Contact Us for the claim? Submit a duly filled claim form along with specified documents within 45 days of completion of survival period for the critical Illness against which the claim is made. Motor Insurance| Travel Insurance| Specialty Insurance| Rural Insurance| 10 lakhs and above. my:health Women Suraksha CI Essential Plan| Please consult your tax advisor for more details. Star Health. If you have to stay at the hospital, choose a comfortable and convenient room for yourself, without bothering about its bills. No, Trade Logo displayed above belongs to HDFC Ltd and ERGO International AG and used by the Company The plan offers insurance cover up to â¹50 Lakhs. Mr. S.Gopalakrishnan recommends "HDFC ERGO for your vehicle insurance needs, it has always put customer’s interest at the forefront, with round the clock assistance to deal with emergency breakdown issues and hassle free claims process. Multiplier Benefit: No claim and get 50% more! Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, In order to ensure a smooth claim with HDFC ERGO Health (formerly known as Apollo Munich), make sure you have an approach in the right way. Compare features and benefits of health insurance plans from HDFC ERGO and Max Bupa. Mukesh Kumar| Our bestselling, comprehensive policy covers pre, during, and post hospitalisation expenditure along with allied expenses like ambulance, room rents, and day care procedures as well. HDFC ERGO Health (formerly known as Apollo Munich)-Optima Restore Plan: Claim Process. Check features, benefits, reviews, premium details online. 7.Will the insured person have to pay any additional premium when the sum insured is restored? my:health Women Suraksha|Arogya Sanjeevani| However,our policy does not cover any claim that are caused due to wars. Bike Insurance For Brand&Model| Compulsory Personal Accident Insurance| 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. 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. For detailed inclusion and exclusion please refer the sales brochure/policy wordings. my:health Women Suraksha Cancer Plus Plan| India's 1st IRDAI Approved Insurance Web Aggregator Our Products. There’s more. Pre-hospitalization. 1.What are the scenarios under which the Sum Insured would be reinstated under the Restore Benefit? the sum insured becomes 6lakhs. Travel Insurance for Malaysia| Travel Insurance for Singapore|Travel Insurance for Thailand| #1 Crore+ Active Customers upto September -2019© HDFC ERGO General Insurance Company Limited. health cover, which is meant to fulfil all your future needs. Car Insurance Comparison| Track Break-in status| my:health Women Suraksha Cardiac Plan| Hdfc Ergo optima restore policy claim settlement ratio 92% vundi and incurred claim settlement ratio 62% vundi. Treatment of obesity or cosmetic surgery is not eligible for coverage under this insurance policy. Travel Insurance for USA|Travel Insurance for UAE| Travel Insurance for UK| The plan comes with varied sum insured & deductible options to choose from. I'm really impressed with the customer service experience provided to me by your executive, How a car owner could "Take It Easy" with a Health insurance, #AbTakeItEasy with HDFC ERGO Health Insurance, Motor Insurance:Private Car Insurance| Two Wheeler Insurance| Just what you expect of your health insurance plan- We cover you for hospitalization due to illnesses and injuries seamlessly. If you need to, rush to a hospital in case of an emergency. IRDAI Website, Read in Hindi: About Coronavirus Health Insurance|Health Insurance Hindi|Car Insurance Hindi|Two Wheeler Insurance in Hindi|Home Insurance in Hindi, Other Important links: HDFC Bank|HDFC Life| Key Features of HDFC ERGO Health (formerly known as Apollo Munich) Optima Senior Plan. Personal Login Business Login If you like more help choosing the right plan and cover for you, feel free Since my health plan was issued from InsuranceDekho, I decided to renew it using the same platform without going anywhere else. HDFC ERGO offers General Insurance Policies. my:health Suraksha Gold Smart| my:health Suraksha Platinum Smart| Personal Accident|Home Insurance|Student Suraksha, Downloads: Brochure|Prospectus|Proposal Form|Policy Wording| Bike Insurance| Vehicle Insurance| Optima Senior Health Plan by HDFC ERGO Health (formerly known as Apollo Munich) Health Insurance offers comprehensive coverage with unique features like the Restore benefit under which the sum insured restores automatically in case you consume it during the policy tenure. The renewal was completely hassle-free. You can apply for and buy health insurance plans offered by HDFC Ergo online through HDFC Ergo website www.hdfcergo.com or through www.insurancedekho.com. Say, one member from a Family Floater plan makes a claim and exhausts the cover. Best claim stteled and Best claim document applaud my best friend and my family choose hdfc ergo health policy plans thank u, Retain the best in class staff you currently have! If you want to purchase Optima Restore then you will have to visit www.apollomunichhealthinsurance.com and if you want to purchase Health Suraksha then you will have to visit www.hdfcergo.com the policy wordings document. Get an additional 10% off on premiums if you add 2+ members in a single Optima Restore -Individual policy. Search for hospitals in your area for cashless facility. HDFC Securities| HDFC Mutual Fund|HDFC Sales| Optima Enhance is a customized Health Insurance solution from HDFC Ergo Health. In-patient Treatment. To get a clear understanding, let’s consider you have an Optima RESTORE policy worth Rs. In case of any further queries or to know more about the product you can contact our Customer Care 022-6234-6234 or write to us at care@hdfcergo.com, {{NavBarAdvancedController.userName.split(' ')[0]}}, Remittance (International Money Transfers ), 3 in 1 Account (Demat + Savings + Trading), Inflation indexed National Savings Securities-Cumulative(IINSS-C), Recommended Portfolio Equity and Debt Mutual Funds, Use Of Unparliamentary Language By Customers, Comprehensive range of Sum Insured from 3 Lac to 50 Lac, 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. This was earlier known as Apollo Optima Restore but after the merger of Apollo health Insurance Co with HDFC Ergo, the policy has been named HDFC Ergo Health Optima Restore Insurance Policy. Company). the restored sum insured is not liable to be carried forward to the next year. List of Network Hospitals for Cashless Treatment with HDFC ERGO Health Insurance Plans. If I don’t use the restored sum insured in the given policy year, will it be carried forward to the next one? 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. Health Insurance on Installments| Health insurance Portability| Corona Kavach Policy| Healthcare Insurance|iCan Health Insurance | Energy Health Insurance | Health Wallet Insurance - Family | Health Wallet Insurance - Individual | Optima Restore - Family | Optima Restore - Individual, Travel Insurance: Individual Travel Insurance|Family Travel Insurance| Medisure Classic/Medisure Super top up pre policy checkup status| IRDAI Reg. CIN: U66030MH2007PLC177117. No.146 CIN: U66030MH2007PLC177117. Regular health check-ups keep track of your well-being and help in early diagnosis of illnesses. Adventure sports can give you an adrenaline rush, but when coupled with accidents, they can be hazardous. Your costs for diagnosis and follow up consultations, are covered too. 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