"acceptedAnswer": { 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. Organ donation is a noble cause. Taking all these factors into consideration the premium for HDFC ERGO health insurance policies are calculated. HDFC Ergo's medical policies are grouped into three categories: Lump … With 10,000 cashless network hospitals we are spread all over to give you easy claims my:health Women Suraksha Critical Illness Comprehensive Plan| },{ If you don’t claim even in the second year, HDFC Ergo will double your basic sum insured as a no claim bonus i.e. Cashless Health Insurance|Health Insurance Premium Calculator maximum upto 100% of the basic Sum Insured. 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| You deserve the best and the latest medical treatments. 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. new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0], "@type": "FAQPage", Say, one member from a Family Floater plan makes a claim and exhausts the cover. Wide coverage: You can choose an individual Health Suraksha scheme or a Family Floater health insurance policy according to your requirements.The coverage is optimal and comes at an affordable price. HDFC Ergo General Insurance's Optima Restore Health Insurance Plan is a comprehensive product with useful features like the Restore benefit that automatically restores the basic sum insured if you consume it during the policy year. Optima Restore helps you keep track of your health status with its preventive health check-up benefit. 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| for the claim? S.Gopala Krishnan, Customer Reviews: Health Insurance|2 Wheeler Insurance| 8.Does one need to send a request for activating the Restore Benefit? Your costs for diagnosis and follow up consultations, are covered too. "@type": "Answer", And now comes the best part - your cover amount gets restored as it was." Travel Insurance for USA|Travel Insurance for UAE| Travel Insurance for UK| About HDFC ERGO Health Insurance. Only accidental hospitalisations shall be admissible in the first 30 days from the date of policy issuance. "@type": "Answer", ", 5. It is a 24-hours worldwide personal accident cover that pays a fixed lump sum amount to your nominee in the unfortunate event of your death or to you in case of permanent total disablement due to an accident. } Group Personal Accident Insurance Platinum Plan of HDFC Ergo Health Insurance Ltd., helps you safeguard the financial interest of your family. Compare features and benefits of health insurance plans from HDFC ERGO and Star Health ... Family Health Optima Family Floater 3 Lakh. The plan comes with three incredible benefits- Restore, Multiplier and Stay Active. my:health Women Suraksha Cancer Plus Plan| Non-Trivial AngularJS Made Easy: Everything you need to kickstart AngularJS projects: a best-practice directory structure, an intelligent build system, and the best web design libraries around. "text": "The plan offers insurance cover up to ₹50 Lakhs." Get instant policing servicing on WhatsApp - 7304524888. Customer Happiness Center / Policy Issuing Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. j=d.createElement(s),dl=l!='dataLayer'? Optima Restore, Prospectus HDFC ERGO Health Insurance Limited Suitability: a. Yes, you can save tax up to ₹75,000 with HDFC ERGO Health Insurance plans. There’s more. instalment premium till the date of receipt of premium by Company iii. Health Suraksha Family Floater Gold 4 Lacs and 5 Lacs ... View More . 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 10 lakhs & above. IRDAI Registration Number : 146 (Registration type: General Insurance 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. },{ Optima Restore, Policy Wording HDFC ERGO Health Insurance Limited We will cover the Medical Expenses for: In addition to the waiting periods (Section 5a) and general exclusions (Section 5c), We will also not cover expenses 1. a. In-patient Treatment. 7.Will the insured person have to pay any additional premium when the sum insured is restored? International Travel Insurance, Home Insurance: Home Insurance For Tenants|Home Insurance For Owners| HDFC ERGO Health (formerly known as Apollo Munich)-Optima Restore Plan: Claim Process. ", Information on HDFC ERGO Health Insurance Premium chart and calculator; ICICI Lombard Health Insurance. Calculating health insurance premium with HDFC ERGO is simple, easy and convenient. In Apollo Munich Optima Restore policy there is restoration benefit, which means that when you file for a claim in any year and the sum insured (plus the bonus, if any) is totally exhausted, then it will automatically be refilled to the extent of your basic sum insured. – This is a good option for health insurance seekers if multiplier bonus, pre-existing illness coverage and pre and post hospitalization coverage are important features to … If I don’t use the restored sum insured in the given policy year, will it be carried forward to the next one? my:health Suraksha Gold Smart| my:health Suraksha Platinum Smart| Home Insurance For Housing Society| Home Insurance for Television| Get up to 100% cover enhancement as no claim bonus. Last week we had written about which features you should compare before buying a health insurance plan and as promised, in today’s edition we will compare some of the popular health insurance plans you can look forward too. The Optima Restore isn`t just a regular health insurance plan. About HDFC ERGO Optima Restore Health Insurance. Optima Restore plan can be claimed in two ways-Cashless claim and reimbursement claim. RATE CARD Annual Premium (Excluding Goods & Services Tax & Cess (if any) in INR) Rest of India 1. For more details on the risk factors, terms and conditions, please read the sales brochure/ prospectus before concluding the sale. the policy wordings document. However,our policy does not cover venereal or sexually transmitted diseases. Benefit #1 – Restore Benefit. HDFC has acquired equity of 51.16% of Apollo Munich. Optima Restore offers you easy portability so if you are insured under another Insurer’s health insurance policy you can transfer to HDFC ERGO Health Insurance Limited with all your accrued benefits after due allowances for waiting periods and enjoy all the unbelievable benefits of Optima and OPTIMA RESTORE is a very Famous product to buy : THIS PLAN COMES WITH Great customer service, 100% lifelong renewal, clear policy wordings and conditions, cashless access to the best 12,000 doctors and 10000+ hospitals in over 900 cities, tax deduction under Section 80D, our healthcare and health insurance expertise and one of the fastest … Optima Restore Customer Information Sheet HDFC ERO Health Insurance Limited 1 Description is illustrative and not exhaustive TITLE DESCRIPTION REFER TO POLICY CLAUSE NUMBER Product Name Optima Restore What am I covered for: a. In-patient Treatment– Covers hospitalisation expenses for period more than 24 hrs. } Pre-existing diseases - Both cover them after 3Y No.146 CIN: U66030MH2007PLC177117. "name": "8.Does one need to send a request for activating the Restore Benefit? Optima Restore plan can be claimed in two ways-Cashless claim and reimbursement claim. Premium paid is eligible for tax benefit under section 80D of the Income Tax Act: Discount: Premium discount of 7.5% on advance premium payment for 2 year policy term. 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| For complete details, feel free to download the policy wordings document." Hospitalization expenses for COVID19 are covered under this plan subject to all terms and conditions of the policy. HDFC ERGO health insurance plans give premium discounts and if the discount is available, you can avail the discount and reduce the premium of the policy. 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. "text": "You face a medical emergency, you claim the insurance, your expenses get covered. Two Wheeler Insurance Renewal| Car Insurance Renewal| Bike Insurance Renewal| HDFC ERGO Health (formerly known as Apollo Munich)-Optima Restore Plan: Claim Process. 6.How many times can the Restore Benefit be claimed in a policy year or lifetime? 2.What all medical expenses are covered under this policy? 10 lakhs and above. HDFC ERGO Insurance Company has always brought to you the best of the health plans and one of those is my: Health Suraksha. Prima Facie it seems to be a new invention in Indian health insurance industry with the type of benefits available in this product. " "name": "7.Will the insured person have to pay any additional premium when the sum insured is restored? ", ", The plan covers you in all possible ways and can easily fit your budget. Apollo Munich’s Optima Restore is a comprehensive health insurance plan which provides some unique benefits. Find contact details & helpline number for customer service, branches, insurance claim office, cashless garages, cashless hospitals of HDFC ERGO. The best method to do a premium comparison is by the means of using HDFC Ergo General Insurance Premium Calculator. It can be used once in every policy year for a lifetime, provided you keep renewing your policy. } 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. Our policy does not cover accidents encountered while participating in adventure sports. })(window,document,'script','dataLayer','GTM-KC3BFK');. You need to submit the necessary documents with KYC and NEFT details of the insured individual and write to healthclaims@hdfcergo.com for both cashless as well as reimbursement procedure of claim. You need to submit the necessary documents with KYC and NEFT details of the insured individual and write to healthclaims@hdfcergo.com for both cashless as well as reimbursement procedure of claim. If you need to, rush to a hospital in case of an emergency. Provide the best medical insurance for your parents and enjoy the benefit of mediclaim policy for senior citizens with HDFC Ergo. Upon cover restoration, if another member under the policy also has to claim for the same reason/disease, will he/she be eligible The Optima Restore isn’t a health insurance plan that lets you get laid-back about your health. "text": "No, the Restore Benefit is completely autonomous and refills the amount once a claim is settled. Check out best health insurance policy for senior citizens. Optima Restore plan can be claimed in two ways-Cashless claim and reimbursement claim. No, Terms and Conditions Applied. I Am Very Happy With Hdfc Ergo Health Insuranace Since 5 Years. Mukesh Kumar| Travel Insurance for Malaysia| Travel Insurance for Singapore|Travel Insurance for Thailand| "name": "1.What are the scenarios under which the Sum Insured would be reinstated under the Restore Benefit? { Personal Accident Insurance, Others: Insurance FAQs|Glossary|Travel Media Assist| And ergo international ag hdfc ergo is one of indias largest non life insurance companies. 10 lakhs and above. It offers coverage on individual or family floater basis given below are the details of each plan. We pay for your Health check-up at every renewal irrespective of claim status. Star Family Health Optima health insurance plan offers wider coverage to the entire family under a single plan. The unbelievable health plan. For detailed inclusion and exclusion please refer the sales brochure/policy wordings. Claims under HDFC Ergo Health Optima Restore. my:health Suraksha Silver|my:health Suraksha Silver with ECB&Rebound| Get 100% of your cover restored instantly after the first claim. my:health Women Suraksha CI Essential Plan| "text": "It can be used once in every policy year for a lifetime, provided you keep renewing your policy." However, the Restore Benefit can only be availed for future claims. The company caters to several products like Health, Motor, Travel, Personal Accident, Marine, and others through its vast network of 200+ branches spread across 170+ cities. – From a first glance, the ‘recharge’ option looks better than Optima Restore’s ‘restore’ option. Optima Restore helps you keep track of your health status with its preventive health check up benefit offered at renewal irrespective of claim status. We pay for your Health check-up at every renewal irrespective of claim status. HDFC ERGO is a joint venture between HDFC Limited and ERGO. HDFC Ergo General Insurance Optima Restore Plan. } With our Optima Restore choose any room in case of hospitalization, Earn 50% bonus on sum Insured for staying healthy. Trade Logo displayed above belongs to HDFC Ltd and ERGO International AG and used by the Company "acceptedAnswer": { H. T. Parekh Marg, Churchgate, Mumbai – 400 020. Our policy does not cover self-inflicted injuries. 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. Simply click on the “Calculate My Health Insurance Premium” and generate health insurance premium effortlessly. dataLayer = []; (function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start': Medisure Classic/Medisure Super top up pre policy checkup status| The eligibility is as follows: Entry age is 5 years onwards with maximum entry age of 65 years. This is a health insurance plan with restore benefit offered by HDFC Ergo General Insurance. HDFC ERGO Health (formerly known as Apollo Munich)-Optima Restore Plan: Claim Process. As all of you know there is abundance of health insurance plans available in the market; some of them are good while some of them are just useless. 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. "@type": "Question", List of Network Hospitals for Cashless Treatment with HDFC ERGO Health Insurance Plans. Terms and Conditions Applied. 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? Bike Insurance For Brand&Model| Compulsory Personal Accident Insurance| However, it can be used once in every policy year for a lifetime, provided you keep renewing your policy." 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. List of Network Hospitals for Cashless Treatment with HDFC ERGO Health Insurance Plans. HDFC Securities| HDFC Mutual Fund|HDFC Sales| Download HDFC ERGO Health Insurance Optima Senior Policy Wordings to know the latest features, benefits and exclusions of the policy. Car Insurance Premium Calculator, Health Insurance: Individual Health Insurance|Family Health Insurance| Parents Health Insurance| And now comes the best part - your cover amount gets restored as it was.>. Liability Only Insurance| Commercial Vehicles Insurance| If you’ve had a claim free year, HDFC Ergo will increase your basic sum insured by 50% as a no claim bonus. 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. Property&Misc Insurance|Risk Consulting Services| } Private Car Insurance| Critical Illness|Travel Insurance| HDFC Ergo General Insurance's Optima Restore Health Insurance Plan is a comprehensive product with useful features like the Restore benefit that automatically restores the basic sum insured if you consume it during the policy year. #1.5 Crore+ Active Customers upto Sept - 2020 © HDFC ERGO General Insurance Company Limited. Company). '&l='+l:'';j.async=true;j.src= E-opinion: On request of the insured person diagnosed with a critical illness, We will arrange for a second opinion from a medical practitioner selected by the insured person from Our panel.This benefit can be availed once in a policy year. "name": "6.How many times can the Restore Benefit be claimed in a policy year or lifetime? Apollo Munich Health Insurance is a pioneer in Indian health insurance market & their optima restore plan will again be a new milestone. Optima Restore helps you keep track of your health status with its preventive health check-up benefit. Declared or accepted pre-existing conditions at the time of application will be covered after the first three years of continual renewals. SBI General Insurance Company is a general insurance providing arm. 'https://www.googletagmanager.com/gtm.js?id='+i+dl;f.parentNode.insertBefore(j,f); } "name": "4.What’s a restore benefit? 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Insurance premiums of mediclaim policy for senior citizens with HDFC ERGO health insurance premium HDFC... Of Network hospitals for cashless facility I Am very happy with HDFC ERGO health Insuranace since 5 onwards... Employees share for Rs.10.67 crore you need to send a request for activating Restore. Your ambulance costs are covered after two years of policy issuance coupled with,.