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Optima Restore Family Health Insurance Plan

 

When it comes to our family, we are often protective for their health, happiness, and well-being.Presenting Optima Restore- Our Comprehensive Family Floater plan for your complete family.Thishealth insurance plan offers completely cashless treatments at our network hospitals along with a host of other attractive features to meet your healthcare needs. Keep reading to know more about Optima Restore.

Reasons to choose Optima Restore Family Health Plan

100% Restore Benefit
100% Restore Benefit
Get 100% of your cover restored instantly after the first claim. 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.
2X Multiplier Benefit
2X Multiplier Benefit
We reward you for staying healthy. If you do not claim even once in the claim year, we reward you with Renewal incentives. Get up to 100% cover enhancement as no claim bonus.
Complimentary Health Check-up
Complimentary Health Check-up
Regular health check-ups keep track of your well-being and help in early diagnosis of illnesses. Enjoy preventive health check-ups up to₹10,000 with Optima Restore at the time of renewals.
Daily Hospital Cash
Daily Hospital Cash
Worried about out-of-pocket expenses in case of hospitalisation? Get daily cash of up to ₹1,000 per day and maximum of ₹6,000 per hospitalization on choosing shared accommodation with Optima Restore.

What is covered in Optima Restore Family Health Plan ?

Hospitalization expenses

Hospitalization expenses

Just what you expect of your health insurance plan- We cover you for hospitalization due to illnesses and injuries seamlessly.

Pre and post-hospitalisation

Pre and post-hospitalisation

Your costs for diagnosis and follow up consultations, are covered too. All your pre-hospital admission expenses up to 60 days, and post-discharge expenses till 180 days are included..

Day-care procedures

Day-care procedures

Medical advancements help in wrapping up urgent surgeries and treatments in less than 24 hours, and guess what? We cover all your daycare procedures.

Emergency Road Ambulance

Emergency Road Ambulance

If you need to, rush to a hospital in case of an emergency. Your ambulance costs are covered up to ₹2000 per hospitalization.

Organ Donor Expenses

Organ Donor Expenses

Organ donation is a noble cause. Hence, we cover the medical and surgical expenses of the organ donor when harvesting a major organ transplant.

No sub-limit on room rent

No sub-limit on room rent

If you have to stay at the hospital, choose a comfortable and convenient room for yourself, without bothering about its bills. We give you complete coverage on room-rent, up to the sum insured.

Tax Savings

Tax Savings

Save more with tax benefits on health insurance premiums. Yes, you can save tax up to ₹75,000 with HDFC ERGO Health Insurance plans.

Modern Treatment methods

Modern Treatment methods

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.

Lifetime Renewals

Lifetime Renewals

Also, enjoy life-long protection as you can continuously renew your health plan, even after you turn 65 years of age.

Recovery benefit

Recovery benefit

If you stay in a hospital for more than 10 days at a stretch, then we pay a lump-sum of ₹10,000 for other financial losses that might have happened due to your absence at home.

Renewal Discounts

Renewal Discounts

There’s more. Get an additional 10% off on premiums if you add 2+ members in a single Optima Restore -Individual policy.

What is not included in Optima Restore Family Health Plan ?

Adventure sport injuries
Adventure sport injuries

Adventure sports can give you an adrenaline rush, but when coupled with accidents, they can be hazardous. Our policy does not cover accidents encountered while participating in adventure sports.

Self-inflicted injuries
Self-inflicted injuries

Consequences of use and Abuse of intoxicant or hallucinogenic substances like intoxicating drugs and alcohol lead to self-inflicted wounds. Our policy does not cover self-inflicted injuries.

War
War

War can be disastrous and unfortunate. However,our policy does not cover any claim that are caused due to wars.

Participation in defense operations
AIDS/HIV

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.

Venereal or Sexually transmitted diseases
Venereal or sexually transmitted diseases

We do understand the criticality of your disease. However,our policy does not cover venereal or sexually transmitted diseases.

Treatment of Obesity or Cosmetic Surgery
Treatment of obesity or cosmetic surgery

Treatment of obesity or cosmetic surgery is not eligible for coverage under this insurance policy.

For detailed inclusion and exclusion please refer the sales brochure/policy wordings

Waiting Periods

First 24 Months From Policy Inception
First 24 Months From Policy Inception

Few illnesses & treatments are covered after two years of policy issuance.

First 36 Months from Policy Inception

First 36 Months from Policy Inception

Declared or accepted pre-existing conditions at the time of application will be covered after the first three years of continual renewals.

First 30 Days from Policy Inception
First 30 Days from Policy Inception

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

Our Cashless
Hospital Network

10000+

Hospital Locator
or
Locate Hospitals Near You

Seamless & Easy Claims! Assured


Register & Track Claims through our website

Locate network Hospitals Near You

Regular claim update on your mobile

Avail your preferred mode of claims settlement

Frequently asked questions

- Partial Utilization of the Base Cover
- Complete Utilization of the Base Cover
The benefit will restore the amount equal to your base sum insured in both situations for your future claims.
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. For complete details, feel free to download the policy wordings document.
The plan offers insurance cover up to ₹50 Lakhs.
You face a medical emergency, you claim the insurance, your expenses get covered. And now comes the best part - your cover amount gets restored as it was.>
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. If you like more help choosing the right plan and cover for you, feel free to talk to our team!
It can be used once in every policy year for a lifetime, provided you keep renewing your policy.
Say, one member from a Family Floater plan makes a claim and exhausts the cover. Upon cover restoration, if another member under the policy also has to claim for the same reason/disease, will he/she be eligible for the claim? Yes, Optima Restore covers its policy holders in case of multiple claims against the same or similar medical emergencies. However, the Restore Benefit can only be availed for future claims. So, multiple members can make the claims at different time intervals.
The first claim can be made up to the base sum insured, after which, the Restore Benefit activates for the next one.
No, the Restore Benefit is completely autonomous and refills the amount once a claim is settled. If I don’t use the restored sum insured in the given policy year, will it be carried forward to the next one? No, the restored sum insured is not liable to be carried forward to the next year. However, it can be used once in every policy year for a lifetime, provided you keep renewing your policy.
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