HDFC ERGO General Optima Restore Family Plan

What is the Plan all About?

HDFC ERGO General Optima Restore Family Plan covers you and your family against in-patient hospitalization expenses. This health plan offers a unique restore benefit with which the sum insured is reinstated automatically, if gets exhausted in a policy year. The multiplier benefit under this plan doubles the basic sum insured in 2 continuous claim free policy years.

Key Features

Cover for you & your family
No geography based sub-limits
No sub-limit on room rent
Avail family discount
Rewards for staying healthy
Get Cashless Hospitalization across 4000 network hospitals
Quick Claims Settlement
Enjoy tax benefits

Policy Benefits

In-patient hospitalization expenses such as room rent, nursing, operation theater charges, medicines, etc are covered.
Pre hospitalization expenses that incur before hospitalization is covered for a maximum of 60 days.
Post hospitalization expenses that incur after hospitalization is covered for a maximum of 180 days.
Listed day care procedures or surgeries that requires the insured to get hospitalized for less than 24 hours are covered.
Domiciliary treatment expenses are covered under this plan.
Organ donor expenses incurred on harvesting the organ are covered.
Daily hospital cash for choosing shared accommodation is payable for a maximum of 6 days.
Critical advantage rider provides worldwide cover for treatment expenses incurred against 8 major critical illnesses.

Value Added Benefits

Sum Insured can be enhanced at the time of policy renewal.
E-opinion in case of critical illness is availed once during a policy year.
Get Multiplier Benefit or Cumulative Bonus. 50% of the basic sum insured is increased for each claim free policy year, up to a maximum of 100%. It doubles the sum insured in case of 2 continuous claim free policy years.
Emergency Ambulance charges are payable.
Automatic restoration of the Sum Insured up to 100% of the basic sum insured, in case of its exhaustion during a policy year.
Health check-up is covered.
Avail tax benefits u/s 80D as per IT Act, 1961 for premium paid for this plan.

Sub Limits

No room rent limit is applicable under this plan.
No co-pay is applicable udner the plan.
Health check-up is covered up to Rs 10,000. This benefit is applicable for SI 5 Lac & above.
Daily cash benefit of Rs 800 per day to a maximum of Rs 4800 for SI 3 to 15 Lacs & it is Rs 1000 per day to a maximum of Rs 6000 for SI 20/25/50 Lacs.
Ambulance charges are payable up to Rs 2000 per hospitalization.

Waiting Period Clause

Initial Waiting Period: A waiting period of 30 days from the inception date for all hospitalization claims except in case of accidents.
Specific Waiting Period: Specific illnesses such as Cataract, Hernia, Hydrocele, etc are covered after 24 months of policy coverage.
Pre existing Disease Waiting Period: Any pre-existing ailment/injury is covered after a waiting period of 36 months.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	Adult: 18 Years, Children: 91 Days	Adult: 65 Years, Children: 25 Years
Sum Assured	3 Lacs	50 Lacs
Cover Type	Individual/Family Floater	-
Policy Tenure	1 Year	2 Years
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Critical Advantage Rider	-