HDFC ERGO Optima Restore Plan! is one of the most popular family health insurance policies in India, designed to provide *comprehensive medical coverage along with unique benefits like automatic sum insured restoration and multiplier rewards.
Key Features of Optima Restore Plan
1.Sum Insured Options*
- Offers a wide range of coverage starting from ₹3 lakh to ₹50 lakh
- Suitable for both individuals and families.
2. Restore Benefit
- The standout feature of this plan is the Restore Benefit
- If the insured exhausts their base sum insured during treatment, the plan automatically
- restores 100% of the sum insured at no extra cost
- This restored amount can be used for unrelated illnesses or by another family member in the same policy year.
3. Multiplier Benefit (No-Claim Bonus)
- For every claim-free year, the sum insured increases by 50%.
- If you do not claim for *two consecutive years*, your coverage can double (up to 100% of the base sum insured).
4. Cashless Hospital Network*
- Access to over 12,000+ cashless hospitals across India.
Ensures hassle-free admission and treatment without out-of-pocket expenses.
5. Daycare & Modern Treatments Covered*
- Coverage for *over 540+ daycare procedures* (treatments that don’t require 24-hour hospitalization).
- Includes modern treatments like robotic surgeries and advanced therapies.
6. Maternity & Newborn Cover (Optional)*
- Offers maternity benefit (after a waiting period) along with newborn baby cover.
7. Emergency Ambulance Cover
- Expenses for ambulance services are covered up to the policy limit.
8. Tax Benefits*
Premiums paid are eligible for tax deduction under Section 80D of the Income Tax Act
Eligibility & Policy Options
- Entry Age: From **91 days* (children) to *65 years* (adults).
- Policy Term*: Available for 1 year or 2 years.
- Family Floater Option*: Can cover spouse, children, and dependent parents.
Why Choose Optima Restore?
- Ideal for families who want large coverage at affordable premiums.
- The automatic restore feature* ensures that even if the insured sum is exhausted, you
- remain protected throughout the year.
- No-claim bonus rewards policyholders for staying healthy.
