The plan comes with three incredible benefits- Restore, Multiplier and Stay Active. Get a FREE Quote! 6. HDFC ERGO Health Insurance for Senior Citizen, HDFC ERGO Health Insurance for Individual. HDFC Ergo Health Optima Restore Insurance Plan is a Comprehensive Online Health Insurance Plan that provides comprehensive cover for the entire family. A minimum bonus addition of 50% to the sum insured on one claim free year and a maximum of 100%. 4. Just walk to stay active and you can avail premium discounts. For cashless settlement, the process is simple -, Email : helpdesk@policyx.com | Toll Free Number : 1800-4200-269 | Write Review, About Us | Contact Us | Sitemap | Articles | Login | Renew | Tools/Calculator | Career | Customer Service | We Care | Data Lab New | Awards, Copyright PolicyX.com / Certified : IRDAI Regn No. What is the notification period to make a claim? If you are insured continuously and without interruption under a health insurance plan issued by an Indian non-life insurer and you want to shift to us on renewal, Optima Restore policy offers you transfer of accrued benefits and make due allowances for waiting periods etc. Hospitalization expenses for COVID19 are covered under this plan subject to all terms and conditions of the policy. The grace period is used when the renewal date get elapsed due to negligence in the payment of premium by the policyholder. 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. Under the Optima Restore policy, HDFC ERGO Health Insurance arranges for a second opinion from a medical practitioner from its panel selected by the insured person. This application allows you to track your progress of staying active. All you need to Know about No-Claim Bonus in Healt... High or Low Deductible Health Insurance - Which to... Insurers Can Use Video Based KYC Identification. The New Restore Benefit- Instant addition of 100% basic sum insured to your cover, on your first claim. 7. 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. Yes, Optima Restore provides daily cash for choosing shared accommodation. Under the Optima Restore policy, HDFC ERGO Health Insurance arranges for a second opinion from a medical practitioner from its panel selected by the insured person. The bonus received may subject to a reduction of 50%, if any claim is made in the succeeding year. Policy number entered seems to be of HDFC ERGO Health Insurance (formerly known as Apollo Munich Health Insurance). Expenses for Organ Donor, emergency ambulance, no sublimit & lifelong renewal. Compare detailed benefits of mediclaim policies to know which is better to choose. The discounts offered to insured on staying fit and healthy will be examined from the number of steps walked in a day. If you do not claim even once in the claim year, we reward you with Renewal incentives. Once your request for reimbursement of expenses is approved, the claim will be settled. One can either do it online or offline. The prospect's details can be shared with the insurance companies, CIN: U72900HR2013PTC050932 PolicyX.com Insurance Web Aggregator Private Limited, Registered Office: 1st Floor, Landmark Tower, Plot no-2, Southcity-1, Opposite C-113, Ashok Marg, Sector-41, Gurugram - Haryana - 122001 India, 18 to 65 years for adults and 91 days to 25 years for dependent children, Required for 46 years and above/ taking 15 lakh or more as the sum insured, No sub-limits on room and location for taking treatment at any network hospitals, Tax deduction while filing income tax on the annual salary under section 80 D of Income Tax Act due to the premium paid. 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 While the basic sum insured will remain untouched. HDFC ERGO Health (formerly known as Apollo Munich) Optima Cash offers lifelong renewability where is no policy ceasing age. HDFC ERGO General optima senior plan is one of the best health plans for senior citizens to invest in. Stay Active benefit under the Optima Restore plan is a feature, which rewards you premium discounts by leading an active lifelessly. 98% claim settlement ratio with regard to proper representation of documents. Apart from covering hospitalization expenses, this health plan offers a unique Restore benefit. Optima Restore Plan is one of the most-selling health insurance products of HDFC ERGO General Insurance. Both the variants cover in-patient hospitalisation, pre-hospitalisation, post-hospitalisation, day-care procedures, road ambulance cover, air ambulance cover, etc. Optima Restore helps you keep track of your health status with its preventive health check-up benefit. HDFC Ergo General Insurance Optima Restore Plan. So, it is essential to have a health plan that provides you with several facilities relating to claim and renewal. 5. Multiplier benefit lets you enjoy a 100% increase in the Sum Insured in 2 claim free years. The insured has to inform the insurance provider at least 48 hours before in case of planned hospitalization which claims may become important. Restore adds 100% of the sum insured if you use the policy sum insured fully or partially. 8. Medical reports, history of the patient, investigation report, discharge summaries etc. About Us. Here is the presentation of premium paid annually based on the age and sum insured value of the policyholder. Human beings get more prone to illness as they grow in age. Moreover, the policy also provides the option to convert this into a full-fledged indemnity policy while you approach your retirement age. All the documents must get deposited within 15 days after treatment has been accomplished. Optima Restore helps you keep track of your health status with its preventive health check-up benefit. 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. Stay Active Benefit - Optim Restore health plan enables the insured to gather health rewards in the shape of discounts. A settlement statement is also issued with the name of the proposer. Yes, daycare procedures are covered by the Optima Restore plan. The report of health check-up will be valid for 90 days maximum within which the policyholder submit the proposal of claim to get reimbursement. An insured person can avail this facility once in a policy year after being diagnosed with a critical illness. Once your request is approved, claim is settled. HDFC Ergo Health Insurance Limited (HEHI) introduces a Restore benefit that automatically re-instates the basic sum insured in case you exhaust it in a policy year. HDFC ERGO General Optima Restore Plan is more than just a traditional health plan. I have just successfully completed the renewal of HDFC Ergo General Insurance’s Optima Restore plan. 2. When I visited InsuranceDekho, the profound details of numerous policies made me amazed. ; 2 View Policy Details; 3 Make Payments; Reference / Policy No. Hassle-free renewal. I am a policyholder of HDFC Ergo General Insurance’s Optima Restore plan. Up to Rs 1500 once in every 2 years of the policy, Up to Rs 2000 once in every year of the policy, Up to Rs 4000 once in every year of the policy, Up to Rs 5000 once in every year of the policy. So whenever you are trying to renew your policy online, please enter the exact policy number as given on the latest policy schedule sent by us. Renew Your Health Insurance Policy. I could not ask for a … In case of emergency hospitalization or any other medical issue, the insurer has to be notified within 24 hours after the happening of an event. I am a policyholder of HDFC Ergo General Insurance’s Optima Restore. Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc. Treatment of obesity, dental problems, mental disorder, genetic disorders, abnormalities, congenital illness. Eligibility Criteria of HDFC ERGO Health (formerly known as Apollo Munich)-Optima Restore Optima Restore Renewal Process Optima Restore policy comes with lifelong renewal benefit where there is no policy ceasing age. Optima Restore. HDFC ERGO Health (formerly known as Apollo Munich) Optima Super is a top up plan with unique features. HDFC ERGO Health Formerly Apollo Munich Optima Restore Health Insurance Multiplier benefit For example: If you have a 3lakhs policy and has made no claims in the 1st year, the sum insured becomes 4.5lakhs for the second year. We pay for your Health check-up at every renewal irrespective of claim status. Get Quotes The company promises to pay or reimburse 100% of the expenses raised on medical check-up before buying the policy by the insured. By proceeding you are accepting our T&C and privacy policy. About HDFC ERGO Optima Restore Health Insurance. Minimum of 2.5 lakhs per Hospitalisation and the maximum should not exceed the amount of sum insured in a policy year. Differences Between Tax-deductions on Life and Hea... Preventive Health Check-Ups and Tax Deductions, View All HDFC ERGO Health Insurance Plans, Domiciliary treatment, which otherwise would need hospitalisation, Expenses incurred in road ambulance or air ambulance in an emergency, Medical expenses for all daycare procedures under the Optima Restore policy, Coverage for in-patient hospitalisation. A Comprehensive Guide on Health Insurance Portabil... All About Health Insurance For TB Patients. 100% reload of sum insured on complete or partial consumption due to claims. Injuries due to war, nuclear and chemical weapons, radioactivities, criminal act, suicide, adventure sports, participation in military or naval force. *: If you fully or partially use the sum insured, Restore adds 100% of the sum insured. For Detail, call our toll-free number 7551196989. If any claim made during the starting 30 days, the company will not cover the expenses. It offers coverage on individual or family floater basis given below are the details of each plan. Stay Active benefit rewards you in case you live an active lifestyle. After the submission of the required documents, the company will pay the requisite amount within 30 days. Restore benefit is a feature of the plan. Multiplier Benefit is a feature that offers a 100% increment in the Sum Insured after 2 claim free years. You can opt for this plan anytime even after the age of 61 years. Do we get reimbursement for the pre-policy check-up? No delay will be entertained by the company. Since my health plan was issued from InsuranceDekho, I decided to renew it using the same platform without going anywhere else. 2X Multiplier Benefit We reward you for staying healthy. An insured person can avail this facility once in a policy year after being diagnosed with a critical illness. HDFC ERGO Health Insurance allows you to avail cashless treatment at 4500+ network hospitals in over 800 cities. In-patient Hospitalization. Optima Restore Individual is the most suitable form of health plan that gives you restoration benefit when your sum insured get consumed fully or partly. HIV/AIDS, sterility or illness due to excessive incorporation of hallucinogenic substance(alcohol or drugs). Again if you have made no claims in the 2nd year the basic sum insured will double i.e. 10 lakhs and above. HDFC ERGO Insurance's Optima Restore Plan is available in two variants: Optima Restore Individual and Optima Restore Family. Submit duly filled and attested claim intimation form in combination with the required documents. In the graph given below, it is assumed that the individual has no smoking habits and no pre-existing disease. For further information on this product please contact your Relationship Manager. But in case of accidental injuries to the body, the insurance provider will cover the expenses incurred. Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request. This cover gives you a treatment facility at network hospital present globally. 1. What is the procedure for the reimbursement of claim? It also rewards you a multiplier benefit in case of claim free policy years. Records of pre and post-hospitalization treatment. The website was easily comprehensible, the steps were simple to follow and the payment was done without any complications. The restore amount is equal to 100% of the basic sum insured. What is the procedure to avail a cashless claim? We offer range of general insurance plans in India including motor, health, travel & home. FIR and MLC (Medico-Legal Case) in case of an accident claim. The illnesses covered under this rider are-. Preventive Health check-up benefit offered at renewal irrespective of claim status; 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. In case of a hospitalization of more than 24 hours due to a planned treatment or an unforeseen emergency, we will cover expenses like room rent, doctor’s fee, operation theatre expenses, medicines, drugs and other consumables under the policy as per your eligibility. the sum insured becomes 6lakhs. Settlement letter from TPA or insurance provider. Optima Restore Plan is one of the most-selling health insurance products of HDFC ERGO General Insurance. Original Bills like diagnostic bills, consultation bills and attachments like prescriptions. 10 lakhs and above. Are daycare procedures covered under the Optima Restore plan? Submit all the required documents and the pre-authorization form filled by your doctor. HDFC ERGO Health (formerly known as Apollo Munich) Optima Senior Citizen Plan Renewal Terms HDFC ERGO Health (formerly known as Apollo Munich) Optima Senior Citizen plan comes with lifelong renewability due to which there is no maximum policy ceasing age. The grace period is regarded as a period of 30 days where the policyholder is allotted a time limit to renew the existing policy. What is the grace period in the policy? Initially it would look like “6000013840” and a number is added to it every year at the time of renewal, which makes it look like “6000013840-01” or “6000013840-02”. ... HDFC Ergo General Insurance Renewal Online. 9. Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission. Treatment of infertility, birth control, vicarious pregnancy, circumcision, Cosmetic or plastic surgery, burns, correction of refractive error. HDFC ERGO offers General Insurance Policies. We pay for your Health check-up at every renewal irrespective of claim status. Restore adds 100% of the sum insured if you use the policy sum insured fully or partially. The facility of Health Check-up: HDFC Ergo Health Optima Restore helps you to monitor your health through a health check-up at the time of renewal once in 2 years on Sum Assured of INR 5 lakhs and once per year on the Sum Assured INR 10 lakhs and up Optima Restore not only gives you financial protection from minor to major illness but also provide you with health rewards for maintaining sound health throughout the policy tenure. Proceed. The insured needs to renew the policy once in a year to get the policy benefits. But, a minimum of 24 hours of hospitalisation is required, Cover for medical costs for the illness incurred 60 days before the hospitalisation, Investigative, experimental and unproven treatment tools, and pharmacological regimens, Abuse of intoxicant or hallucinogenic substances such as intoxicating drugs and alcohol, Insanity, congenital diseases, mental disorders, cosmetic surgery, and weight control treatments, All treatments within the first 30 days of the policy purchased except any accidental injury, Expenses incurred for the treatment of HIV or AIDS and related diseases. I have just successfully completed the renewal of HDFC Ergo General Insurance’s Optima Restore plan. Secure yourself & your assets! 15 days given to review the policy’s terms and conditions, Available (transfer all your previous policy’s accrued benefits to new optima restore individual), Provided up to Rs 2000 per Hospitalisation for all types of sum insured. You can upload the information on Health Jinn App to get a quick settlement. The policy needs to be renewed every year, either online or offline. The basic features of HDFC ERGO Health (formerly known as Apollo Munich) Optima Restore plan are: The plan comes with three prime features- Restore benefit, Multiplier Benefit and Stay Active Benefit Optima restore provides lifelong renewability option Avail cashless services at more than 4500 hospitals across the country Review of HDFC Ergo General Insurance Optima Restore Health Insurance Plan HDFC Ergo General Insurance's Optima Restore Health Insurance is fitting for those who are explicitly looking for a benefit like a reinstatement of sum insured if it gets exhausted during the policy year. Get a full list of HDFC ERGO General Insurance (Apollo Munich Health Insurance) health insurance plans online. Claim Intimation Form (attested and filled). If you fail to submit complete documents, you will be issued a deficiency letter within 7 days of receipt of claim documents. Non-Allopathic treatment or Ayush treatment. What is the list of documents for settlement of claim? In addition, it also gives coverage transportation expenses of insured and the attending member, accommodation expenses, post-hospitalization, and second opinion expenses. 30 & 60 days of pre and post-hospitalisation, All day care procedures. HDFC ERGO Health Insurance allows you to avail cashless treatment at 4,500+ network hospitals in over 800 cities. 1 Enter Policy No. Renew your HDFC ERGO Policy in 3 Simple Steps. There are separate tax laws under the Income tax act for bot... A policyholder can avail tax benefits on the payment of prem... For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989. With features like stay active benefit and multiplier benefit, makes Optima Restore health plan distinguishable from all the other health insurances. 3. How it works – This policy can be taken for self, spouse, dependent children and dependent parents. When I issued HDFC Ergo General Insurance’s Optima Restore plan, InsuranceDekho seemed convenient for the purpose. 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. The count of steps will be tracked and calculated by a mobile application which should get downloaded from the inception of the policy within a period of 30 days. How to File a Claim with Star Health Insurance? Does HDFC ERGO pay for the claim made in the starting 30 days of the policy? “Health Jinn” is a mobile application provided to the insured by HDFC ERGO Health Insurance. Yes, you can buy HDFC ERGO Health's Optima Restore plan online by visiting our website www.insurancedekho.com. If not approved, claim for reimbursement after discharge. Moreover, if you want to utilize portability benefit you have to inform the insurer 45 days prior to the renewal date of the policy. The simple requirement to avail this benefit is to walk as far as possible to gain a healthy body in complimentary to 8% discount on the premium paid on every renewal. 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. Renew Now . The cash amount depends on the sum insured chosen. By choosing this additional cover, the insured can enjoy never-ending benefits attached. The premium may change with regard to any medical conditions like pre-existing illness, smoking or drinking habits, and other illnesses. Earn Up to 25% renewal premium discount & other incentives for staying healthy. Rs 800 per day and maximum up to Rs 4,800, Rs 1000 per day and maximum up to Rs 6,000, Covered after a waiting period of 36 months. Can we port our previous policy with HDFC ERGO Optima Restore? This is a health insurance plan with restore benefit offered by HDFC Ergo General Insurance. HDFC ERGO is a 51:49 joint venture between HDFC Ltd and ERGO, which is the primary insurance entity of the Munich Re Group of Germany. - 015, Licence Code - IRDA/WBA17/14, valid till 11-08-2023 Insurance is the business of solicitation, Disclaimer: The information that is available on this portal is of the insurance company with whom PolicyX.com has a legal contract. Look at the table to get precise information -. The plan comes with three incredible benefits- Restore, Multiplier and Stay Active. After correct submission of documents, the insurer will approve your cashless claim within 60 minutes, as in 90% of cases. What are the renewal discounts under Stay Active Benefit? The plan comes with varied sum insured & deductible options to choose from. HDFC ERGO Health (formerly known as Apollo Munich) Optima Cash Renewal Process. Yes, a policyholder can port or transfer all the benefits of previous policy to newly bought health plan after due allowances for waiting periods. Not claim even once in the starting 30 days, the company will not cover the expenses on... The website was easily comprehensible, the policy % renewal premium discount & other incentives staying., history of the policy benefits the policy a Health plan details hdfc ergo optima restore renewal 3 Make Payments ; Reference / no... Family floater basis given below are the details of each plan with a critical illness & deductible to... Active and you can opt for this plan anytime even after the age of 61 years 15 days treatment. Comes with three incredible benefits- Restore, multiplier and stay Active benefit and privacy policy the of... 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Insured if you do not claim even once in the shape of.! Plans for senior citizens to invest in an insured person can avail premium discounts by an... Change with regard to any medical conditions like pre-existing illness, smoking or drinking habits, and illnesses... In case you live an Active lifestyle being diagnosed with a critical illness offer of... Of staying Active just walk to stay Active benefit based on the age and sum insured if you or... Hospitalisation and the payment of premium paid annually based on the sum insured value the. Please contact your Relationship hdfc ergo optima restore renewal Citizen, HDFC ERGO Health Insurance products of HDFC ERGO General Insurance in!