HDFC ERGO General Optima Restore Individual Plan

What is the Plan all About?

HDFC ERGO General Optima Restore Plan is more than just a traditional health plan. Apart from covering hospitalization expenses, this health plan offers a unique Restore benefit. It also rewards you a multiplier benefit in case of claim free policy years.

Key Features

Individual health cover
No sub-limit on hospital room rent
Treatment in any hospital without any co-pay
Grab family discount
Rewards for staying healthy
Get Cashless Hospitalization across 4000 network hospitals
Quick Claim Assistance
Enjoy Tax Benefits

Policy Benefits

In-patient hospitalization expenses such as OT charges, medicines, blood, oxygen, etc. are covered.
Pre hospitalization that occurs prior hospitalization is covered up to 60 days.
Post hospitalization that occurs post 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 (shared accommodation) is payable as mentioned in the policy.
Avail worldwide coverage for 8 major illnesses with Critical advantage rider.

Value Added Benefits

Get Multiplier Benefit/ 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.
Sum Insured can be enhanced at the time of policy renewal.
Sum Insured can be restored automatically up to 100% of the basic sum insured, in case of its exhaustion in a policy year.
Emergency ambulance charges are covered.
E-opinion for critical illness can be availed once in a policy year.
Health check-up for the insured person 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.
Daily cash benefit of Rs 800 per day to a maximum of Rs 4800 for SI 3 to 15 lacs & 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.
Health check-up is covered up to Rs 5,000. This benefit is applicable for SI 5 Lac & above.

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	-
Policy Tenure	1 Year	2 Years
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Critical Advantage Rider	-