HDFC Ergo Optima Restore
THIS PLAN COMES WITH
Great customer service, 100% lifelong renewal, clear policy wordings and conditions, cashless access to the best 12,000 doctors and 5000+ hospitals in over 900 cities, tax deduction under Section 80D, our healthcare and health insurance expertise and one of the fastest claims settlement in the Industry. Buy, Renew & Claim ONLINE.
Optima Restore – Key Benefits
You are covered 60 days prior & 180 days post your hospitalisation. This ensures better planning of your hospitalization needs.
An instant addition of 100% basic sum insured to your cover, on your first claim. So if you have a base sum insured of 5 lakhs, and you claim Rs. 1,00,000 at the beginning of the year, we will restore the base Sum Insured of 5 lakhs to your remaining balance, i.e. you will now have Rs. 9,00,000 which can be used for subsequent claims in the remaining policy year for all claims under In-patient Benefits.
For every claim free year, we’ll increase your basic sum insured by 50% as no claim bonus for 2 years. So if you have a 5 lakh policy and don’t claim in the first year, we will increase your cover to 7.5 lakh for the second year and 10 lakhs in the third year, while you only pay a premium for a 5 lakh policy.
Stay Active Benefit
Earn up to 8% discount on your renewal premium if the insured achieves the average step count on Healthjinn app.