Group Personal Accident Insurance Platinum Plan of HDFC Ergo Health Insurance Ltd., helps you safeguard the financial interest of your family. Save more with tax benefits on health insurance premiums. ", "@type": "Answer", Optima Restore plan can be claimed in two ways-Cashless claim and reimbursement claim. With our Optima Restore choose any room in case of hospitalization, Earn 50% bonus on sum Insured for staying healthy. "text": "The plan offers insurance cover up to ₹50 Lakhs." Student Suraksha Insurance| Annual Multi-trip Insurance| HDFC ERGO. If I don’t use the restored sum insured in the given policy year, will it be carried forward to the next one? For more details on the risk factors, terms and conditions, please read the sales brochure/ prospectus before concluding the sale. Star Health. "@type": "Answer", An insured person can avail this facility once in a policy year after being diagnosed with a critical illness. } Taking all these factors into consideration the premium for HDFC ERGO health insurance policies are calculated. 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. 'https://www.googletagmanager.com/gtm.js?id='+i+dl;f.parentNode.insertBefore(j,f); Enjoy preventive health check-ups up to₹10,000 with Optima Restore at the time of renewals. HDFC ERGO Insurance Company has always brought to you the best of the health plans and one of those is my: Health Suraksha. "name": "3.What’s the maximum cover given by Optima Restore? Consequences of use and Abuse of intoxicant or hallucinogenic substances like intoxicating drugs and alcohol lead to self-inflicted wounds. HDFC Securities| HDFC Mutual Fund|HDFC Sales| "text": "- Partial Utilization of the Base Cover 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. HDFC Ergo General Insurance Optima Restore Plan. The insured person will get the accrued continuity benefit in respect of the "Waiting Periods", "Specific Waiting Periods" in the event of payment of premium within the stipulated grace Period iv. b. 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. Optima Restore helps you keep track of your health status with its preventive health check up benefit offered at renewal irrespective of claim status. },{ If you like more help choosing the right plan and cover for you, feel free to talk to our team!" "text": "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. Compare features and benefits of health insurance plans from HDFC ERGO and Star Health. This is a health insurance plan with restore benefit offered by HDFC Ergo General Insurance. Claims under HDFC Ergo Health Optima Restore. "acceptedAnswer": { S.Gopala Krishnan, Customer Reviews: Health Insurance|2 Wheeler Insurance| Pre-existing diseases - Both cover them after 3Y Star Family Health Optima Insurance. 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. Property&Misc Insurance|Risk Consulting Services| Simply click on the “Calculate My Health Insurance Premium” and generate health insurance premium effortlessly. my:health Suraksha Silver|my:health Suraksha Silver with ECB&Rebound| j=d.createElement(s),dl=l!='dataLayer'? So, "text": "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. "acceptedAnswer": { "@type": "Answer", },{ We cover all your daycare procedures. 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| my:health Women Suraksha Cardiac Plan| Treatment of obesity or cosmetic surgery is not eligible for coverage under this insurance policy. for the claim? Taking all these factors into consideration the premium for HDFC ERGO health insurance policies are calculated. The benefit will restore the amount equal to your base sum insured in both situations for your future claims." It offers coverage on individual or family floater basis given below are the details of each plan. Health Suraksha Family Floater Gold 4 Lacs and 5 Lacs ... View More . my:health Women Suraksha Critical Illness Comprehensive Plan| "name": "7.Will the insured person have to pay any additional premium when the sum insured is restored? Get an additional 10% off on premiums if you add 2+ members in a single Optima Restore -Individual policy. "@type": "Question", I raised claimed which is got approved within a moments I got credited within a day. Hospitalization expenses for COVID19 are covered under this plan subject to all terms and conditions of the policy. IRDAI Registration Number : 146 (Registration type: General Insurance Health Suraksha pre policy checkup status| We pay for your Health check-up at every renewal irrespective of claim status. See Below for details. Premium Chart. 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. However,our policy does not cover venereal or sexually transmitted diseases. Our policy does not cover accidents encountered while participating in adventure sports. The maximum entry age is restricted to 65 years. We encourage you to stay fit and with Stay Active benefit, simply walk your way to good health and earn upto 8% discount on your renewal premium. } "@type": "Question", Thispagedoesnotcontainicon hdfc ergo health optima restore plan you are about to leave the hdfc bank website and go to an external link. HDFC ERGO My: Health Suraksha. 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. 8.Does one need to send a request for activating the Restore Benefit? Arogya Sanjeevani Policy is a combination of all standard features of health insurance including life-long renewal. "@type": "Question", ... Optima Restore : Restore benefit, E-opinion for critical illness, Critical illness add-on: Max Bupa: ... HDFC Ergo: Health Suraksha Gold with Regain and ECB: the restored sum insured is not liable to be carried forward to the next year. Car Insurance Comparison| Track Break-in status| "name": "1.What are the scenarios under which the Sum Insured would be reinstated under the Restore Benefit? If you cancel this policy up to 30 days you will get 75% premium refund. – From a first glance, the ‘recharge’ option looks better than Optima Restore’s ‘restore’ option. 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. Optima Restore Plan is one of the most-selling health insurance products of HDFC ERGO General Insurance. Motor Insurance| Travel Insurance| No interest will be charged lf the instalment premium is not paid on due date v. Their plans aren't the most affordable on the Indian health insurance market, but annual premiums start 5% cheaper than average. Other commercial insurance, Expert Profiles: Deepika Mathur|Diwaker Asthana|Kavita Ganesh| 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. Due to the sedentary lifestyles, everyone is now more vulnerable to health issues. Personal Accident|my:health Suraksha Silver Smart| },{ I will recommend HDFC ERGO who need health insurance. 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. 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 … Individual Sum Insured SI in INR 300000 500000 1000000 1500000 2000000 2500000 5000000 No, the restored sum insured is not liable to be carried forward to the next year. |Health Insurance Renewal| Home Insurance for Jewellery|Home Insurance for Refrigerator| Home Insurance for Lighting| Home Insurance for Electronic Equipment| Home Insurance for Landslide| Home Insurance for Earthquake| Building Insurance| Property Insurance| Flood Insurance| Monsoon Insurance| Home Content Insurance| Theft Insurance, Other Insurance: Standard Fire&Special Perilis Insurance|Rural Insurance| And now comes the best part - your cover amount gets restored as it was.>. my:health Women Suraksha Cancer Plan| HDFC ERGO Health (formerly known as Apollo Munich)-Optima Restore Plan: Claim Process. "acceptedAnswer": { 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. Family discount of 10% is applicable if 3 or more family members included. We do understand the criticality of your disease. How much do I have to pay for the policy per month? Travel Insurance for USA|Travel Insurance for UAE| Travel Insurance for UK| Cashless Health Insurance|Health Insurance Premium Calculator Travel Insurance for Schengen VISA from India| Travel Insurance for Australia| HDFC Ergo Health Insurance Plan Benefits and Exclusions. },{ "text": "Say, one member from a Family Floater plan makes a claim and exhausts the cover. Best claim stteled and Best claim document applaud my best friend and my family choose hdfc ergo health policy plans thank u, Retain the best in class staff you currently have! queries call us at +91 22 6234 6234/+91 120 6234 6234 or Visit Help Section on www.hdfcergo.com for policy copy/tax certificate/make changes/register & track claim. - Complete Utilization of the Base Cover Tax Benefit: With the critical illness insurance plan you can currently avail tax benefits for the premium amount under Section 80D of the Income Tax Act. "acceptedAnswer": { Yes, Optima Restore covers its policy holders in case of multiple claims against the same or similar medical emergencies. Claim form| KYC Form|Other Documents, Procedure to make changes: Health Insurance|Home Insurance| If you’ve had a claim free year, HDFC Ergo will increase your basic sum insured by 50% as a no claim bonus. "@type": "Answer", RATE CARD Annual Premium (Excluding Goods & Services Tax & Cess (if any) in INR) Rest of India 1. Up to 90 days you will get 50% premium refund and up to 6 months you will get refund up to 25%. instalment premium till the date of receipt of premium by Company iii. "@type": "Question", 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. So our Optima Restore covers advanced procedures like robotic surgeries, stem cell therapy, and oral chemotherapy. ... the Sum Assured increases by another 50% becoming 200% of the original Sum Assured at the same rate of premium. HDFC Ergo has 12 different health insurance policy options, all with strong coverage and annual premiums that won't exceed your budget. } Optima Restore is a health insurance plan offered by Apollo Munich Health Insurance Company. Optima Restore helps you keep track of your health status with its preventive health check-up benefit. Hdfc ergo offers general insurance policies. #1 Crore+ Active Customers upto September -2019© HDFC ERGO General Insurance Company Limited. 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. HDFC ERGO Health (formerly known as Apollo Munich)-Optima Restore Plan: Claim Process. ", A renewal incentive that doubles your sum insured in 2 years! All your pre-hospital admission expenses up to 60 days, and post-discharge expenses till 180 days are included.. Medical advancements help in wrapping up urgent surgeries and treatments in less than 24 hours, and guess what? Adventure sports can give you an adrenaline rush, but when coupled with accidents, they can be hazardous. The Optima Restore isn’t a health insurance plan that lets you get laid-back about your health. Get instant policing servicing on WhatsApp - 7304524888. Optima Restore is one of the best selling plans of HDFC ERGO Health Formerly Apollo Munich Health Insurance (AMHI) and it comes with 7 sum insured variants as depicted in the table below. to talk to our team! 10 lakhs and above. Star Family Health Optima health insurance plan offers wider coverage to the entire family under a single plan. It offers a ‘restore’ benefits which automatically restores the basic sum insured in case you consume it … Policy of Protection of Interests of Policyholders, Health Suraksha pre policy checkup status, Medisure Classic/Medisure Super top up pre policy checkup status, my:health Suraksha Silver with ECB&Rebound, my:health Women Suraksha Critical Illness Comprehensive Plan, my:health Women Suraksha CI Essential Plan, my:health Women Suraksha Cancer Plus Plan, Travel Insurance for Schengen VISA from India. The best method to do a premium comparison is by the means of using HDFC Ergo General Insurance Premium Calculator. If you like more help choosing the right plan and cover for you, feel free Thus, resulting in Apollo Munich becoming a subsidiary of HDFC Ltd. And now renamed as HDFC ERGO Health Insurance Limited. Get up to 100% cover enhancement as no claim bonus. It can be used once in every policy year for a lifetime, provided you keep renewing your policy. List of Network Hospitals for Cashless Treatment with HDFC ERGO Health Insurance Plans. Restore adds 100% of the sum insured if you use the policy sum insured fully or partially. Keep reading to know more about Optima Restore. under license. 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. ", "@type": "Question", Also, enjoy life-long protection as you can continuously renew your health plan, even after you turn 65 years of age. HDFC Ergo has 12 different health insurance policy options, all with strong coverage and annual premiums that won't exceed your budget. Car Insurance Premium Calculator, Health Insurance: Individual Health Insurance|Family Health Insurance| ", "mainEntity": [{ Apollo Munich Optima Restore is different from other health insurance plans due to its restore & multiplier benefits. Yes, Optima Restore covers its policy holders in case of multiple claims against the same or similar medical emergencies. Terms and Conditions Applied. Information on HDFC ERGO Health Insurance Premium chart and calculator; ICICI Lombard Health Insurance. Optima Restore plan can be claimed in two ways-Cashless claim and reimbursement claim. ", } Two Wheeler Insurance Comparison| 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. 4. No sub-limit on room rent: With Optima Restore you can get the room you like and the treatment you deserve without a hassle @media (max-width: 480px){.fixed-bottom2.innerPage{top:10px!important}}@media (max-width: 640px) and (min-width: 0px){.fixed-bottom2.innerPage{top:10px!important}} | Apollo Munich. Popular Health Plan Comparisons in India. "@type": "FAQPage", Home Insurance for Washing Machine|Home Insurance for Air Conditioner| Benefit #1 – Restore Benefit. Restore adds 100% of the sum insured if you use the policy sum insured fully or partially. We give you complete coverage on room-rent, up to the sum insured. The Minimum entry age for adult dependent: is 18 years and maximum entry age is 65 years. You deserve the best and the latest medical treatments. 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| The first claim can be made up to the base sum insured, after which, the Restore Benefit activates for the next one." However, it can be used once in every policy year for a lifetime, provided you keep renewing your policy. 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. About HDFC ERGO Optima Restore Health Insurance. The plan covers you in all possible ways and can easily fit your budget. 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 … ", However,our policy does not cover any claim that are caused due to wars. Two Wheeler Insurance Renewal| Car Insurance Renewal| Bike Insurance Renewal| 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. And now comes the best part - your cover amount gets restored as it was." If you do not claim even once in the claim year, we reward you with Renewal incentives. SBI General Insurance Company is a general insurance providing arm. "text": "It can be used once in every policy year for a lifetime, provided you keep renewing your policy." Much higher than Max Bupa ( yes, Optima Restore hdfc ergo optima restore premium chart pdf can used. Website and go to an external link more details on the “ Calculate my health insurance chart. Suitability: a first glance, the restored sum insured for every claim free year, reward... `` 4.What ’ s ‘ Restore ’ s a Restore benefit parents and enjoy the benefit of mediclaim for. Is much higher than Max Bupa health ReAssure '' premium – HDFC premium hdfc ergo optima restore premium chart pdf much higher than Max Bupa ReAssure... That wo n't exceed your budget premium was 46 % higher than Max Bupa health ReAssure premium... 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