Arogya Sanjeevani Policy is a combination of all standard features of health insurance including life-long renewal. #1.5 Crore+ Active Customers upto Sept - 2020 © HDFC ERGO General Insurance Company Limited. In Apollo Munich Optima Restore policy there is restoration benefit, which means that when you file for a claim in any year and the sum insured (plus the bonus, if any) is totally exhausted, then it will automatically be refilled to the extent of your basic sum insured. However, it can be used once in every policy year for a lifetime, provided you keep renewing your policy." About HDFC ERGO Optima Restore Health Insurance. The unbelievable health plan. Remember, you can make use of net banking, debit card, or credit car to pay the health insurance premium as the company allows flexible payment modes. },{ Upon cover restoration, if another member under the policy also has to claim for the same reason/disease, will he/she be eligible for the claim? No interest will be charged lf the instalment premium is not paid on due date v. Student Suraksha Insurance| Annual Multi-trip Insurance| Hospitalization expenses for COVID19 are covered under this plan subject to all terms and conditions of the policy. 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. I'm faizal and I want to tell you I'm very happy to got hdfc ergo service. Home Insurance For Housing Society| Home Insurance for Television| HDFC Ergo General Insurance Optima Restore Plan. Save more with tax benefits on health insurance premiums. Wide coverage: You can choose an individual Health Suraksha scheme or a Family Floater health insurance policy according to your requirements.The coverage is optimal and comes at an affordable price. Keep reading to know more about Optima Restore. "@type": "Question", "name": "3.What’s the maximum cover given by Optima Restore? 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. However,our policy does not cover venereal or sexually transmitted diseases. Car Insurance Comparison| Track Break-in status| 2.What all medical expenses are covered under this policy? There’s more. Apollo Munich Health Insurance is a pioneer in Indian health insurance market & their optima restore plan will again be a new milestone. Worried about out-of-pocket expenses in case of hospitalisation? Popular Health Plan Comparisons in India. Since its inception the company aims to offer the best in class general insurance product at an affordable premium cost. 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 … Your ambulance costs are covered up to ₹2000 per hospitalization. j=d.createElement(s),dl=l!='dataLayer'? The Minimum entry age for adult dependent: is 18 years and maximum entry age is 65 years. We pay for your Health check-up at every renewal irrespective of claim status. Group Personal Accident Insurance Platinum Plan of HDFC Ergo Health Insurance Ltd., helps you safeguard the financial interest of your family. Travel Insurance for Schengen VISA from India| Travel Insurance for Australia| Get an additional 10% off on premiums if you add 2+ members in a single Optima Restore -Individual policy. No, the restored sum insured is not liable to be carried forward to the next year. The Best Health Insurance company in India. Individual Sum Insured SI in INR 300000 500000 1000000 1500000 2000000 2500000 5000000 If you stay in a hospital for more than 10 days at a stretch, then we pay a lump-sum of ₹10,000 for other financial losses that might have happened due to your absence at home. Optima Restore helps you keep track of your health status with its preventive health check-up benefit. Just what you expect of your health insurance plan- We cover you for hospitalization due to illnesses and injuries seamlessly. However,our policy does not cover any claim that are caused due to wars. There is a Stay Active benefit which rewards you for maintaining a healthy lifestyle, the No Claim Bonus doubles the Sum Insured in two claim-free years and there are no sub-limits in the plan. "name": "5. Search for hospitals in your area for cashless facility. Apollo Munich Optima Restore is different from other health insurance plans due to its restore & multiplier benefits. Star Health. new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0], The Optima Restore isn’t a health insurance plan that lets you get laid-back about your health. Upon cover restoration, if another member under the policy also has to claim for the same reason/disease, will he/she be eligible "@type": "Answer", (function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start': Optima Restore Plan is one of the most-selling health insurance products of HDFC ERGO General Insurance. } under license. The plan offers insurance cover up to ₹50 Lakhs. HDFC ERGO. b. the restored sum insured is not liable to be carried forward to the next year. Group Personal Accident Insurance Platinum Plan of HDFC Ergo Health Insurance Ltd., helps you safeguard the financial interest of your family. Private Car Insurance| Critical Illness|Travel Insurance| ", '&l='+l:'';j.async=true;j.src= "@context": "", 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| HDFC Ergo Health Insurance Plan Benefits and Exclusions. Only accidental hospitalisations shall be admissible in the first 30 days from the date of policy issuance. If you have to stay at the hospital, choose a comfortable and convenient room for yourself, without bothering about its bills. – This is a good option for health insurance seekers if multiplier bonus, pre-existing illness coverage and pre and post hospitalization coverage are important features to … HDFC ERGO Health (formerly known as Apollo Munich)-Optima Restore Plan: Claim Process. dataLayer = []; my:health Women Suraksha Cancer Plan| Travel Insurance for France|Travel Insurance for Germany|Travel Insurance for Japan| Optima Restore Family Health Insurance Plan . }] Up to 90 days you will get 50% premium refund and up to 6 months you will get refund up to 25%. (Annual Premium Exclusive of Goods & Services Tax & Cess (if any) in INR) FAMILY FLOATER ( 1 ADULT + 2 CHILD) Deductible 1 Lakh 2 Lakhs 3 Lakhs 4 Lakhs 5 Lakhs 6 Lakhs 7 Lakhs 10 Lakhs Age Oldest Member 1A+2C 1A+2C 1A+2C 1A+2C 1A+2C 1A+2C 1A+2C 1A+2C 18-35 4,625 3,700 3,385 3,160 2,915 2,695 2,380 2,005 Last week we had written about which features you should compare before buying a health insurance plan and as promised, in today’s edition we will compare some of the popular health insurance plans you can look forward too. S.Gopala Krishnan, Customer Reviews: Health Insurance|2 Wheeler Insurance| List of Network Hospitals for Cashless Treatment with HDFC ERGO Health Insurance Plans. } HDFC ERGO My: Health Suraksha. The plan comes with three incredible benefits- Restore, Multiplier and Stay Active. Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. Company). And ergo international ag hdfc ergo is one of indias largest non life insurance companies. Travel Insurance for USA|Travel Insurance for UAE| Travel Insurance for UK| Family discount of 10% is applicable if 3 or more family members included. 7.Will the insured person have to pay any additional premium when the sum insured is restored? | Try out the HTML to PDF API HDFC ERGO brings to you Health Suraksha, a unique health insurance plan, providing optimum health coverage at an affordable price. An insured person can avail this facility once in a policy year after being diagnosed with a critical illness. my:health Women Suraksha Cardiac Plan| "acceptedAnswer": { "@type": "Answer", "name": "7.Will the insured person have to pay any additional premium when the sum insured is restored? Optima Restore, Prospectus HDFC ERGO Health Insurance Limited Suitability: a. Benefits of Arogya Sanjeevani Policy . Few illnesses & treatments are covered after two years of policy issuance. Get instant policing servicing on WhatsApp - 7304524888. 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. Prima Facie it seems to be a new invention in Indian health insurance industry with the type of benefits available in this product. And now comes the best part - your cover amount gets restored as it was.>. b. Travel Insurance for Malaysia| Travel Insurance for Singapore|Travel Insurance for Thailand| Family Health Optima Insurance Plan Most popular insurance policy with your growing family, on floater basis. 6.How many times can the Restore Benefit be claimed in a policy year or lifetime? About HDFC ERGO Health Insurance. Compare features and benefits of health insurance plans from HDFC ERGO and Star Health. "text": "No, the Restore Benefit is completely autonomous and refills the amount once a claim is settled. Please rotate to portrait mode for better experience. 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. I raised claimed which is got approved within a moments I got credited within a day. This policy covers persons in the age group 91 days to 65 years. Pre-existing diseases - Both cover them after 3Y },{ Cashless Health Insurance|Health Insurance Premium Calculator "@type": "Question", Taking all these factors into consideration the premium for HDFC ERGO health insurance policies are calculated. I will recommend HDFC ERGO who need health insurance. 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| However, the Restore Benefit can only be availed for future claims. "name": "6.How many times can the Restore Benefit be claimed in a policy year or lifetime? Optima Restore plan can be claimed in two ways-Cashless claim and reimbursement claim. ... Optima Restore : Restore benefit, E-opinion for critical illness, Critical illness add-on: Max Bupa: ... HDFC Ergo: Health Suraksha Gold with Regain and ECB: "acceptedAnswer": { Personal Accident Insurance, Others: Insurance FAQs|Glossary|Travel Media Assist| ", Their plans aren't the most affordable on the Indian health insurance market, but annual premiums start 5% cheaper than average. No Claim Bonus: Bonus of 50% of the Basic Sum Insured for every claim free year, maximum upto 100%. Parents Health Insurance| Senior Citizen Health Insurance to talk to our team! "name": "1.What are the scenarios under which the Sum Insured would be reinstated under the Restore Benefit? 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. HDFC Ergo's medical policies are grouped into three categories: Lump … HDFC Ergo General Insurance Ltd Optima Restore Individual: 3 Lakh/50 Lakh: Covered after 3 years: Not applicable: 60/180 days: Max upto 100% of SI: Max Bupa Health Insurance Co. Health Companion Health Insurance: 2 Lakh/50 Lakh: Covered after 4 years: Applicable: 30/60 days: Max upto 100% of SI We do understand the criticality of your disease. HDFC Securities| HDFC Mutual Fund|HDFC Sales| "acceptedAnswer": { So our Optima Restore covers advanced procedures like robotic surgeries, stem cell therapy, and oral chemotherapy. Yes, Optima Restore covers its policy holders in case of multiple claims against the same or similar medical emergencies. Restore adds 100% of the sum insured if you use the policy sum insured fully or partially. The maximum entry age is restricted to 65 years. For Claim/Policy related Optima Restore helps you keep track of your health status with its preventive health check up benefit offered at renewal irrespective of claim status.