Personal Login Business Login You face a medical emergency, you claim the insurance, your expenses get covered. Compare features and benefits of health insurance plans from HDFC ERGO and Max Bupa. List of Network Hospitals for Cashless Treatment with HDFC ERGO Health Insurance Plans. I Am Very Happy With Hdfc Ergo Health Insuranace Since 5 Years. If you need to, rush to a hospital in case of an emergency. Personal Accident|my:health Suraksha Silver Smart| If you like more help choosing the right plan and cover for you, feel free S.Gopala Krishnan, Customer Reviews: Health Insurance|2 Wheeler Insurance| The rider offers you freedom to not only avail best healthcare services world over but also covers all travel costs for the insured and accompanying relative, accommodation expenses, second opinion & post hospitalization expenses. Mr. S.Gopalakrishnan recommends "HDFC ERGO for your vehicle insurance needs, it has always put customer’s interest at the forefront, with round the clock assistance to deal with emergency breakdown issues and hassle free claims process. Get an additional 10% off on premiums if you add 2+ members in a single Optima Restore -Individual policy. You are logged out due to an inavlid browser activity, Rs 3 Lac, 5 Lac, 10 Lac, 15 Lac, 20 Lac, 25 Lac, 50 Lac, Hospitalization charges more than 24 hours is covered, Medical expenses incurred in 60 days before the hospitalisation are covered, Medical expenses incurred in 180 days after the hospitalisation are covered. Declared or accepted pre-existing conditions at the time of application will be covered after the first three years of continual renewals. Family Health Optima Family Floater 5 Lakh. Optima Senior Plan Review. Staying unaware. Travel Insurance for Malaysia| Travel Insurance for Singapore|Travel Insurance for Thailand| This cover is available for Sum Insured of 10 lac and above. 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 Hence, we cover the medical and surgical expenses of the organ donor when harvesting a major organ transplant. If you stay in a hospital for more than 10 days at a stretch, then we pay a lump-sum of â¹10,000 for other financial losses that might have happened due to your absence at home. Travel Insurance For Senior Citizens| We give you complete coverage on room-rent, up to the sum insured. #1.5 Crore+ Active Customers upto Sept - 2020 © HDFC ERGO General Insurance Company Limited. Personal Accident|Home Insurance|Student Suraksha, Downloads: Brochure|Prospectus|Proposal Form|Policy Wording| Home Insurance For Housing Society| Home Insurance for Television| HDFC ERGO Health (formerly known as Apollo Munich)-Optima Restore Plan: Claim Process. Take care of So, it is essential to have a health plan that provides you with several facilities relating to … Moreover, the policy also provides the option to convert this into a full-fledged indemnity policy while you approach your retirement age. Optima Restore plan can be claimed in two ways-Cashless claim and reimbursement claim. Parents Health Insurance| Personal Login Business Login If I don’t use the restored sum insured in the given policy year, will it be carried forward to the next one? Your costs for diagnosis and follow up consultations, are covered too. However,our policy does not cover any claim that are caused due to wars. The restore sum insured can be used to all claims including claims for same illness/disease for which a claim has already been paid. Private Car Insurance| Critical Illness|Travel Insurance| *Tax benefit are subject to changes in tax laws. The plan comes with varied sum insured & deductible options to choose from. Personal Accident Insurance, Others: Insurance FAQs|Glossary|Travel Media Assist| India's 1st IRDAI Approved Insurance Web Aggregator Our Products. In case a claim is made during a policy year, the limit under this benefit would be reduced by 50% of the basic sum insured in the following year. War can be disastrous and unfortunate. So, Provides Cashless Hospitalisation, Tax Savings, Restore Benefit and No Medical Test* on enrolment for applicants. CIN : U66030MH2007PLC177117. 6.How many times can the Restore Benefit be claimed in a policy year or lifetime? International Travel Insurance, Home Insurance: Home Insurance For Tenants|Home Insurance For Owners| Travel Insurance for France|Travel Insurance for Germany|Travel Insurance for Japan| Also, enjoy life-long protection as you can continuously renew your health plan, even after you turn 65 years of age. HDFC ERGO Health (formerly known as Apollo Munich)-Optima Restore Plan: Claim Process. Medical expenses incurred for availing medical treatment at home due to health conditions or unavailability of bed at the hospital, which would otherwise have required hospitalisation. No.146 CIN: U66030MH2007PLC177117. Rs 3 Lac, 5 Lac, 10 Lac, 15 Lac, 20 Lac, 25 Lac, 50 Lac. HDFC Securities| HDFC Mutual Fund|HDFC Sales| Optima Restore. However this reduction will not reduce the Sum Insured below the basic Sum Insured of the policy, Preventive Health Check-up available on all Sum Insured above 3 lac on renewals irrespective of claims, E-Opinion in respect of a Critical Illness, Second opinion by a Medical Practitioner from Our panel, for a Critical Illness suffered during the policy period. Yes, Optima Restore covers its policy holders in case of multiple claims against the same or similar medical emergencies. In-patient Hospitalization. I will recommend HDFC ERGO who need health insurance. Organ donation is a noble cause. Search for hospitals in your area for cashless facility. my:health Women Suraksha Critical Illness Comprehensive Plan| All your pre-hospital admission expenses up to 60 days, and post-discharge expenses till 180 days are included.. Medical advancements help in wrapping up urgent surgeries and treatments in less than 24 hours, and guess what? Intimate HDFC ERGO Health within 14 days of diagnosis of first occurrence of critical illness. Regular health check-ups keep track of your well-being and help in early diagnosis of illnesses. Optima Restore helps you keep track of your health status with its preventive health check-up benefit. No sub-limit on room rent: With Optima Restore you can get the room you like and the treatment you deserve without a hassle, Policy term option of 1 and 2 year, and is available for both individuals and family, Family Discount of 10% if 2 or more family members are covered under Optima Restore Individual Sum Insured Plan, and an additional 7.5% discount is offered on the premium if you choose a 2 year policy. In order to ensure a smooth claim with HDFC ERGO Health (formerly known as Apollo Munich), make sure you have an approach in the right way. my:health Suraksha Silver|my:health Suraksha Silver with ECB&Rebound| Treatment of obesity or cosmetic surgery is not eligible for coverage under this insurance policy. Home Insurance for Jewellery|Home Insurance for Refrigerator| Home Insurance for Lighting| Home Insurance for Electronic Equipment| Home Insurance for Landslide| Home Insurance for Earthquake| Building Insurance| Property Insurance| Flood Insurance| Monsoon Insurance| Home Content Insurance| Theft Insurance, Other Insurance: Standard Fire&Special Perilis Insurance|Rural Insurance| Any additional information requested must be submitted within 15 days of our request. 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| We do understand the criticality of your disease. Pre-hospitalization. Enter your HDFC ERGO insurance policy number and renew all your insurance policies: health, motor, car, travel home insurance. CIN: U66030MH2007PLC177117. No, the Restore Benefit is completely autonomous and refills the amount once a claim is settled. queries call us at +91 22 6234 6234/+91 120 6234 6234 or Visit Help Section on www.hdfcergo.com for policy copy/tax certificate/make changes/register & track claim. Home Insurance for Washing Machine|Home Insurance for Air Conditioner| Our bestselling, comprehensive policy covers pre, during, and post hospitalisation expenditure along with allied expenses like ambulance, room rents, and day care procedures as well. 10 lakhs and above. to talk to our team! Two Wheeler Insurance Comparison| Other commercial insurance, Expert Profiles: Deepika Mathur|Diwaker Asthana|Kavita Ganesh| Casualty Insurance| Group Insurance| Optima Enhance is a customized Health Insurance solution from HDFC Ergo Health. Liability Only Insurance| Commercial Vehicles Insurance| So our Optima Restore covers advanced procedures like robotic surgeries, stem cell therapy, and oral chemotherapy. There’s more. Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, Hdfc Ergo optima restore policy claim settlement ratio 92% vundi and incurred claim settlement ratio 62% vundi. Key Features of HDFC ERGO Health (formerly known as Apollo Munich) Optima Senior Plan. Specialty Insurance| Rural Insurance| Optima Restore Individual Health Insurance Plan . Optima Restore Plan provides you complete protection against the medical expense. my:health Women Suraksha Cancer Plus Plan| However, it can be used once in every policy year for a lifetime, provided you keep renewing your policy. my:health Women Suraksha Cancer Plan| Optima Enhance is a customized Health Insurance solution from HDFC Ergo Health. Few illnesses & Treatments are covered after 2 years of consecutive renewals for elaborate list refer policy wordings, Except accidental hospitalisations no claims shall be admitted during the 1st 30 days of the trip, Our customers have rated us with 4.4/5 Stars. Just what you expect of your health insurance plan- We cover you for hospitalization due to illnesses and injuries seamlessly. Travel Insurance for Bali|Travel Insurance For Canada|Travel Insurance for Dubai| Medical expenses incurred in 60 days before the hospitalisation are covered. I'm faizal and I want to tell you I'm very happy to got hdfc ergo service. With medical inflation growing, RESTORE is a viable option considering the long-term benefits it offers. Senior Citizen Health Insurance If you do not claim even once in the claim year, we reward you with Renewal incentives. The plan offers insurance cover up to â¹50 Lakhs. Optima Restore by HDFC ERGO offers a bunch of benefits to give you ultimate financial security, with the cover ranging from â¹ 5 lacs to 50 lacs. Backed by 10,000+ network hospitals across the country and 24*7 customer support, it settles cashless or reimbursement claims in a transparent manner. Secure yourself & your assets! Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. Life-long renewability, subject to regular receipt of premiums by Us. If you have to stay at the hospital, choose a comfortable and convenient room for yourself, without bothering about its bills. Two Wheeler Insurance Renewal| Car Insurance Renewal| Bike Insurance Renewal| This unique health insurance plan reinstates the sum insured on partial or complete utilisation of the health cover, which is meant to fulfil all your future needs. 7.Will the insured person have to pay any additional premium when the sum insured is restored? 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| yourself first so that you can take care of loved ones. 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. Consequences of use and Abuse of intoxicant or hallucinogenic substances like intoxicating drugs and alcohol lead to self-inflicted wounds. Claim form| KYC Form|Other Documents, Procedure to make changes: Health Insurance|Home Insurance| Car Insurance Premium Calculator, Health Insurance: Individual Health Insurance|Family Health Insurance| Travel Insurance for Schengen VISA from India| Travel Insurance for Australia| It has been awarded various honors and recognition making it a reputable name in the health insurance industry. If you want to purchase Optima Restore then you will have to visit www.apollomunichhealthinsurance.com and if you want to purchase Health Suraksha then you will have to visit www.hdfcergo.com We offer range of general insurance plans in India including motor, health, travel & home. Please rotate to portrait mode for better experience. Human beings get more prone to illness as they grow in age. 1.What are the scenarios under which the Sum Insured would be reinstated under the Restore Benefit? Sum Insured. Optima Senior Health Plan by HDFC ERGO Health (formerly known as Apollo Munich) Health Insurance offers comprehensive coverage with unique features like the Restore benefit under which the sum insured restores automatically in case you consume it during the policy tenure. Health Suraksha pre policy checkup status| IRDAI Reg. Terms and Conditions Applied. Knowledge Centre Whatsapp us on 73045 24888 Contact Us Multiplier Benefit: No claim and get 50% more! Say, one member from a Family Floater plan makes a claim and exhausts the cover. IRDAI Website, Read in Hindi: About Coronavirus Health Insurance|Health Insurance Hindi|Car Insurance Hindi|Two Wheeler Insurance in Hindi|Home Insurance in Hindi, Other Important links: HDFC Bank|HDFC Life| the policy wordings document. Provides Cashless Hospitalisation, Tax Savings, Restore Benefit and No Medical Test* on enrolment for applicants. Medisure Classic/Medisure Super top up pre policy checkup status| We pay for your Health check-up at every renewal irrespective of claim status. Tax benefits are as per the Income Tax Act, 1961, and are subject to amendments made thereto from time to time. Optima Restore plan can be claimed in two ways-Cashless claim and reimbursement claim. You can opt to cover yourself worldwide at our network centers against treatment expenses for 8 major illnesses that include Cancer, Coronary Artery by-pass surgery, Heart Valve replacement / repair, Neurosurgery, Live Donor Organ Transplant, Bone Marrow Transplant, Pulmonary artery graft surgery and Aorta Graft Surgery. HDFC ERGO offers General Insurance Policies. Upon cover restoration, if another member under the policy also has to claim for the same reason/disease, will he/she be eligible multiple members can make the claims at different time intervals. For the policy wordings document amount gets restored as it was. > hospitalization expenses for COVID19 are covered up 100. To tell you i 'm faizal and i want to tell you i 'm very happy got. Cell therapy, and are subject to amendments made thereto from time to time to and. Deserve the best part - your cover restored instantly after the first three years of age Benefit no... 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