HDFC Ergo Optima Restore Plan

What is covered?

50.0%

Renewal Bonus

What is Renewal Bonus

Renewal bonus is added in the sum insured for every claim free year. This plan offers No Claim Bonus of up to maximum of 100% of Sum Insured.

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60 days

Pre hospitalization

What is Pre hospitalization

Medical expenses up to 60 days before admission will be covered.

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180 days

Post Hospitalization

What is Post Hospitalization

Medical expenses up to 180 days after discharge will be covered.

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Rs 800

Hospital Daily Cash

What is Hospital Daily Cash

Hospital cash of Rs 800 is available in network hospitals only

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Up to 100.0% of sum assured

Restore benefits

What is Restore benefits

This plan reinstates your basic cover, in case you exhaust your cover in a policy year. Restoration works only for unrelated claims.

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Covered

Ambulance charges

What is Ambulance charges

You can claim up to a maximum of Rs. 2,000 for ambulance charges.

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Covered

Home hospitalization

What is Home hospitalization

Treatment taken at home for any medical reason, if hospitalization is not possible. This is a rare scenario and is termed as 'Domiciliary Hospitalization'. In such a scenario, expenses of up to Rs 3,00,000 are covered in this plan.

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Covered

Organ Donor

What is Organ Donor

In case of an organ transplant and there is a need of an organ donor, hospitalisation charges for the organ donor are covered in this plan. However, the cost of finding a donor is not covered.

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All procedures upto S.I.

Day Care

What is Day Care

Health insurance covers medical expenses only for hospitalizations exceeding 24 hours. Day care procedures refers to medical treatment undertaken in a hospital requiring less than 24 hours due to technological advancement. All day care procedures are covered in this plan.

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Waiting period

About HDFC Ergo General Insurance Company Ltd

HDFC ERGO has designed the my:health Suraksha plans that gives the policy holder a 360 degree complete protection against rising medical treatment expenses. It's a plan designed for individuals, family members along with senior citizens who are looking a proper coverage based on their individual medical needs. The health cover amount in this plan ranges from Rs. 3 lakhs to Rs. 5 lakhs. The plans contains features like No room rent capping, additional sum insured options, Cashless Home Healthcare & an annual Free Health Check-up. Please read further to understand all the features & benefits of this plan.You can also check whether you are qualified for this plan or not & also understand what is covered and what is not covered in this plan. Less

HDFC ERGO has designed the my:health Suraksha plans that gives the policy holder a 360 degree complete protection against rising medical treatment expenses. It's a plan designed for individuals, family members along with senior citizens who are looking a proper coverage based on their individual medical needs. The health cover amount in this plan ranges from Rs. 3 lakhs to Rs. 5 lakhs. The plans contains features like No room … More