100%
Restore Benefit
2X
Multiplier Benefit
Complimentary
Health Check-Up
Daily
Hospital Cash
Hospitalization Expenses
Just what you expect of your health insurance plan- We cover you for hospitalization due to illnesses and injuries seamlessly.
Pre And Post Hospitalisation
Your costs for diagnosis and follow up consultations, are covered too. All your pre-hospital admission expenses up to 60 days, and post-discharge expenses till 180 days are included.
Day-Care Procedures
Medical advancements help in wrapping up urgent surgeries and treatments in less than 24 hours, and guess what? We cover all your daycare procedures.
Emergency Road Ambulance
If you need to, rush to a hospital in case of an emergency. Your ambulance costs are covered up to ₹2000 per hospitalization.
Organ Donor Expenses
Organ donation is a noble cause. Hence, we cover the medical and surgical expenses of the organ donor when harvesting a major organ transplant.
No Sub-Limit On Room Rent
If you have to stay at the hospital, choose a comfortable and convenient room for yourself, without bothering about its bills. We give you complete coverage on room-rent, up to the sum insured.
Tax Savings
Save more with tax benefits on health insurance premiums. Yes, you can save tax up to ₹75,000 with HDFC ERGO Health Insurance plans.
Modern Treatment Methods
You deserve the best and the latest medical treatments. So our Optima Restore covers advanced procedures like robotic surgeries, stem cell therapy, and oral chemotherapy.
Lifetime Renewals
Also, enjoy life-long protection as you can continuously renew your health plan, even after you turn 65 years of age.
Treatment Availed Outside India
Any Treatment availed overseas/outside India remains excluded from the scope of this policy
Self-Inflicted Injuries
Consequences of use and Abuse of intoxicant or hallucinogenic substances like intoxicating drugs and alcohol lead to self-inflicted wounds. Our policy does not cover self-inflicted injuries.
War
War can be disastrous and unfortunate. However,our policy does not cover any claim that are caused due to wars.
AIDS/HIV
AIDS or infection with HIV, including but not limited to conditions related to arising out of HIV/AIDS such as ARC (AIDS Related Complex), Lymphomas in the brain, Kaposi’s sarcoma and tuberculosis.
Venereal Or Sexually Transmitted Diseases
We do understand the criticality of your disease. However,our policy does not cover venereal or sexually transmitted diseases.
Treatment Of Obesity Or Cosmetic Surgery
Treatment of obesity or cosmetic surgery is not eligible for coverage under this insurance policy.
*For detailed inclusion and exclusion please refer the sales brochure/policy wordings
First 24 Months From Policy Inception
Few illnesses & treatments are covered after two years of policy issuance.
First 36 Months From Policy Inception
Declared or accepted pre-existing conditions at the time of application will be covered after 36 months of continuous coverage after the date of inception
First 30 Days From Policy Inception
Only accidental hospitalisations shall be admissible in the first 30 days from the date of policy issuance.
for Health Insurance
- Partial Utilization of the Base Cover
- Complete Utilization of the Base Cover
The benefit will restore the amount equal to your base sum insured in both situations for your future claims.
Call Now!