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hdfc ergo optima restore renewal

Sinopsis

The insured needs to renew the policy once in a year to get the policy benefits. The plan comes with three incredible benefits- Restore, Multiplier and Stay Active. Yes, daycare procedures are covered by the Optima Restore plan. In case of a hospitalization of more than 24 hours due to a planned treatment or an unforeseen emergency, we will cover expenses like room rent, doctor’s fee, operation theatre expenses, medicines, drugs and other consumables under the policy as per your eligibility. I have just successfully completed the renewal of HDFC Ergo General Insurance’s Optima Restore plan. It offers coverage on individual or family floater basis given below are the details of each plan. 9. Settlement letter from TPA or insurance provider. What is the notification period to make a claim? the sum insured becomes 6lakhs. Yes, Optima Restore provides daily cash for choosing shared accommodation. 4. Review of HDFC Ergo General Insurance Optima Restore Health Insurance Plan HDFC Ergo General Insurance's Optima Restore Health Insurance is fitting for those who are explicitly looking for a benefit like a reinstatement of sum insured if it gets exhausted during the policy year. ; 2 View Policy Details; 3 Make Payments; Reference / Policy No. 10 lakhs and above. Non-Allopathic treatment or Ayush treatment. A settlement statement is also issued with the name of the proposer. A minimum bonus addition of 50% to the sum insured on one claim free year and a maximum of 100%. It also rewards you a multiplier benefit in case of claim free policy years. Multiplier Benefit is a feature that offers a 100% increment in the Sum Insured after 2 claim free years. If you are insured continuously and without interruption under a health insurance plan issued by an Indian non-life insurer and you want to shift to us on renewal, Optima Restore policy offers you transfer of accrued benefits and make due allowances for waiting periods etc. No delay will be entertained by the company. Optima Restore not only gives you financial protection from minor to major illness but also provide you with health rewards for maintaining sound health throughout the policy tenure. HDFC ERGO Health (formerly known as Apollo Munich) Optima Senior Citizen Plan Renewal Terms HDFC ERGO Health (formerly known as Apollo Munich) Optima Senior Citizen plan comes with lifelong renewability due to which there is no maximum policy ceasing age. While the basic sum insured will remain untouched. In case of emergency hospitalization or any other medical issue, the insurer has to be notified within 24 hours after the happening of an event. Original Bills like diagnostic bills, consultation bills and attachments like prescriptions. Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request. Renew your HDFC ERGO Policy in 3 Simple Steps. By choosing this additional cover, the insured can enjoy never-ending benefits attached. The report of health check-up will be valid for 90 days maximum within which the policyholder submit the proposal of claim to get reimbursement. The policy needs to be renewed every year, either online or offline. Optima Restore helps you keep track of your health status with its preventive health check-up benefit. HDFC ERGO Health Insurance for Senior Citizen, HDFC ERGO Health Insurance for Individual. Medical reports, history of the patient, investigation report, discharge summaries etc. If any claim made during the starting 30 days, the company will not cover the expenses. So, it is essential to have a health plan that provides you with several facilities relating to claim and renewal. 1. This application allows you to track your progress of staying active. 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. Under the Optima Restore policy, HDFC ERGO Health Insurance arranges for a second opinion from a medical practitioner from its panel selected by the insured person. 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 For cashless settlement, the process is simple -, Email : helpdesk@policyx.com | Toll Free Number : 1800-4200-269 | Write Review, About Us | Contact Us | Sitemap | Articles | Login | Renew | Tools/Calculator | Career | Customer Service | We Care | Data Lab New | Awards, Copyright PolicyX.com / Certified : IRDAI Regn No. Treatment of obesity, dental problems, mental disorder, genetic disorders, abnormalities, congenital illness. 10 lakhs and above. The New Restore Benefit- Instant addition of 100% basic sum insured to your cover, on your first claim. HDFC ERGO is a 51:49 joint venture between HDFC Ltd and ERGO, which is the primary insurance entity of the Munich Re Group of Germany. HDFC ERGO General optima senior plan is one of the best health plans for senior citizens to invest in. Optima Restore Plan is one of the most-selling health insurance products of HDFC ERGO General Insurance. HDFC Ergo Health Insurance Limited (HEHI) introduces a Restore benefit that automatically re-instates the basic sum insured in case you exhaust it in a policy year. “Health Jinn” is a mobile application provided to the insured by HDFC ERGO Health Insurance. 6. In-patient Hospitalization. HDFC ERGO Health (formerly known as Apollo Munich) Optima Cash offers lifelong renewability where is no policy ceasing age. HDFC ERGO Insurance's Optima Restore Plan is available in two variants: Optima Restore Individual and Optima Restore Family. 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. Non-Trivial AngularJS Made Easy: Everything you need to kickstart AngularJS projects: a best-practice directory structure, an intelligent build system, and the best web design libraries around. 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. Get a full list of HDFC ERGO General Insurance (Apollo Munich Health Insurance) health insurance plans online. If you fully or partially use the sum insured, Restore adds 100% of the sum insured. A Comprehensive Guide on Health Insurance Portabil... All About Health Insurance For TB Patients. Renew Your Health Insurance Policy. We pay for your Health check-up at every renewal irrespective of claim status. The cash amount depends on the sum insured chosen. 30 & 60 days of pre and post-hospitalisation, All day care procedures. HDFC Ergo Health Optima Restore Insurance Plan is a Comprehensive Online Health Insurance Plan that provides comprehensive cover for the entire family. Expenses for Organ Donor, emergency ambulance, no sublimit & lifelong renewal. The grace period is regarded as a period of 30 days where the policyholder is allotted a time limit to renew the existing policy. This cover gives you a treatment facility at network hospital present globally. You can opt for this plan anytime even after the age of 61 years. Restore benefit is a feature of the plan. All the documents must get deposited within 15 days after treatment has been accomplished. Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission. You can upload the information on Health Jinn App to get a quick settlement. About HDFC ERGO Optima Restore Health Insurance. Optima Restore. Hassle-free renewal. When I issued HDFC Ergo General Insurance’s Optima Restore plan, InsuranceDekho seemed convenient for the purpose. The discounts offered to insured on staying fit and healthy will be examined from the number of steps walked in a day. 15 days given to review the policy’s terms and conditions, Available (transfer all your previous policy’s accrued benefits to new optima restore individual), Provided up to Rs 2000 per Hospitalisation for all types of sum insured. Restore adds 100% of the sum insured if you use the policy sum insured fully or partially. The facility of Health Check-up: HDFC Ergo Health Optima Restore helps you to monitor your health through a health check-up at the time of renewal once in 2 years on Sum Assured of INR 5 lakhs and once per year on the Sum Assured INR 10 lakhs and up The prospect's details can be shared with the insurance companies, CIN: U72900HR2013PTC050932 PolicyX.com Insurance Web Aggregator Private Limited, Registered Office: 1st Floor, Landmark Tower, Plot no-2, Southcity-1, Opposite C-113, Ashok Marg, Sector-41, Gurugram - Haryana - 122001 India, 18 to 65 years for adults and 91 days to 25 years for dependent children, Required for 46 years and above/ taking 15 lakh or more as the sum insured, No sub-limits on room and location for taking treatment at any network hospitals, Tax deduction while filing income tax on the annual salary under section 80 D of Income Tax Act due to the premium paid. HDFC ERGO offers General Insurance Policies. What is the grace period in the policy? How it works – This policy can be taken for self, spouse, dependent children and dependent parents. Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc. Injuries due to war, nuclear and chemical weapons, radioactivities, criminal act, suicide, adventure sports, participation in military or naval force. The simple requirement to avail this benefit is to walk as far as possible to gain a healthy body in complimentary to 8% discount on the premium paid on every renewal. The company promises to pay or reimburse 100% of the expenses raised on medical check-up before buying the policy by the insured. Get Quotes Moreover, if you want to utilize portability benefit you have to inform the insurer 45 days prior to the renewal date of the policy. HIV/AIDS, sterility or illness due to excessive incorporation of hallucinogenic substance(alcohol or drugs). HDFC ERGO Health (formerly known as Apollo Munich) Optima Cash Renewal Process. All you need to Know about No-Claim Bonus in Healt... High or Low Deductible Health Insurance - Which to... Insurers Can Use Video Based KYC Identification. Rs 800 per day and maximum up to Rs 4,800, Rs 1000 per day and maximum up to Rs 6,000, Covered after a waiting period of 36 months. Claim Intimation Form (attested and filled). What is the procedure for the reimbursement of claim? I could not ask for a … Stay Active benefit under the Optima Restore plan is a feature, which rewards you premium discounts by leading an active lifelessly. Eligibility Criteria of HDFC ERGO Health (formerly known as Apollo Munich)-Optima Restore Optima Restore Renewal Process Optima Restore policy comes with lifelong renewal benefit where there is no policy ceasing age. This is a health insurance plan with restore benefit offered by HDFC Ergo General Insurance. Yes, you can buy HDFC ERGO Health's Optima Restore plan online by visiting our website www.insurancedekho.com. Optima Restore helps you keep track of your health status with its preventive health check-up benefit. Apart from covering hospitalization expenses, this health plan offers a unique Restore benefit. 2X Multiplier Benefit We reward you for staying healthy. Once your request is approved, claim is settled. Does HDFC ERGO pay for the claim made in the starting 30 days of the policy? Secure yourself & your assets! Optima Restore Individual is the most suitable form of health plan that gives you restoration benefit when your sum insured get consumed fully or partly. But in case of accidental injuries to the body, the insurance provider will cover the expenses incurred. Treatment of infertility, birth control, vicarious pregnancy, circumcision, Cosmetic or plastic surgery, burns, correction of refractive error. I have just successfully completed the renewal of HDFC Ergo General Insurance’s Optima Restore plan. The insured has to inform the insurance provider at least 48 hours before in case of planned hospitalization which claims may become important. HDFC ERGO Health Insurance allows you to avail cashless treatment at 4500+ network hospitals in over 800 cities. Preventive Health check-up benefit offered at renewal irrespective of claim status; We encourage you to stay fit and with Stay Active benefit, simply walk your way to good health and earn upto 8% discount on your renewal premium. Again if you have made no claims in the 2nd year the basic sum insured will double i.e. Up to Rs 1500 once in every 2 years of the policy, Up to Rs 2000 once in every year of the policy, Up to Rs 4000 once in every year of the policy, Up to Rs 5000 once in every year of the policy. 1 Enter Policy No. Once your request for reimbursement of expenses is approved, the claim will be settled. In addition, it also gives coverage transportation expenses of insured and the attending member, accommodation expenses, post-hospitalization, and second opinion expenses. Under the Optima Restore policy, HDFC ERGO Health Insurance arranges for a second opinion from a medical practitioner from its panel selected by the insured person. After correct submission of documents, the insurer will approve your cashless claim within 60 minutes, as in 90% of cases. Restore adds 100% of the sum insured if you use the policy sum insured fully or partially. Minimum of 2.5 lakhs per Hospitalisation and the maximum should not exceed the amount of sum insured in a policy year. An insured person can avail this facility once in a policy year after being diagnosed with a critical illness. Moreover, the policy also provides the option to convert this into a full-fledged indemnity policy while you approach your retirement age. HDFC ERGO General Optima Restore Plan is more than just a traditional health plan. Get a FREE Quote! For Detail, call our toll-free number 7551196989. Yes, a policyholder can port or transfer all the benefits of previous policy to newly bought health plan after due allowances for waiting periods. Compare detailed benefits of mediclaim policies to know which is better to choose. After the submission of the required documents, the company will pay the requisite amount within 30 days. 7. So whenever you are trying to renew your policy online, please enter the exact policy number as given on the latest policy schedule sent by us. HDFC ERGO Health Insurance allows you to avail cashless treatment at 4,500+ network hospitals in over 800 cities. The illnesses covered under this rider are-. Optima restore is a unique health plan that restores your sum insured on partial or complete utilization of your health cover, for your future needs. ... HDFC Ergo General Insurance Renewal Online. 8. When I visited InsuranceDekho, the profound details of numerous policies made me amazed. I am a policyholder of HDFC Ergo General Insurance’s Optima Restore plan. *: Both the variants cover in-patient hospitalisation, pre-hospitalisation, post-hospitalisation, day-care procedures, road ambulance cover, air ambulance cover, etc. Since my health plan was issued from InsuranceDekho, I decided to renew it using the same platform without going anywhere else. Stay Active benefit rewards you in case you live an active lifestyle. 98% claim settlement ratio with regard to proper representation of documents. HDFC ERGO Health (formerly known as Apollo Munich) Optima Super is a top up plan with unique features. With features like stay active benefit and multiplier benefit, makes Optima Restore health plan distinguishable from all the other health insurances. About Us. 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. Here is the presentation of premium paid annually based on the age and sum insured value of the policyholder. Do we get reimbursement for the pre-policy check-up? 2. Optima Restore Plan is one of the most-selling health insurance products of HDFC ERGO General Insurance. 5. The premium may change with regard to any medical conditions like pre-existing illness, smoking or drinking habits, and other illnesses. We offer range of general insurance plans in India including motor, health, travel & home. The bonus received may subject to a reduction of 50%, if any claim is made in the succeeding year. FIR and MLC (Medico-Legal Case) in case of an accident claim. But, a minimum of 24 hours of hospitalisation is required, Cover for medical costs for the illness incurred 60 days before the hospitalisation, Investigative, experimental and unproven treatment tools, and pharmacological regimens, Abuse of intoxicant or hallucinogenic substances such as intoxicating drugs and alcohol, Insanity, congenital diseases, mental disorders, cosmetic surgery, and weight control treatments, All treatments within the first 30 days of the policy purchased except any accidental injury, Expenses incurred for the treatment of HIV or AIDS and related diseases. Human beings get more prone to illness as they grow in age. The basic features of HDFC ERGO Health (formerly known as Apollo Munich) Optima Restore plan are: The plan comes with three prime features- Restore benefit, Multiplier Benefit and Stay Active Benefit Optima restore provides lifelong renewability option Avail cashless services at more than 4500 hospitals across the country Differences Between Tax-deductions on Life and Hea... Preventive Health Check-Ups and Tax Deductions, View All HDFC ERGO Health Insurance Plans, Domiciliary treatment, which otherwise would need hospitalisation, Expenses incurred in road ambulance or air ambulance in an emergency, Medical expenses for all daycare procedures under the Optima Restore policy, Coverage for in-patient hospitalisation. - 015, Licence Code - IRDA/WBA17/14, valid till 11-08-2023 Insurance is the business of solicitation, Disclaimer: The information that is available on this portal is of the insurance company with whom PolicyX.com has a legal contract. HDFC Ergo General Insurance Optima Restore Plan. What is the procedure to avail a cashless claim? The grace period is used when the renewal date get elapsed due to negligence in the payment of premium by the policyholder. There are separate tax laws under the Income tax act for bot... A policyholder can avail tax benefits on the payment of prem... For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989. Can we port our previous policy with HDFC ERGO Optima Restore? Hospitalization expenses for COVID19 are covered under this plan subject to all terms and conditions of the policy. An insured person can avail this facility once in a policy year after being diagnosed with a critical illness. 100% reload of sum insured on complete or partial consumption due to claims. If you do not claim even once in the claim year, we reward you with Renewal incentives. The restore amount is equal to 100% of the basic sum insured. Multiplier benefit lets you enjoy a 100% increase in the Sum Insured in 2 claim free years. 3. Submit duly filled and attested claim intimation form in combination with the required documents. The plan comes with three incredible benefits- Restore, Multiplier and Stay Active. If not approved, claim for reimbursement after discharge. Policy number entered seems to be of HDFC ERGO Health Insurance (formerly known as Apollo Munich Health Insurance). We pay for your Health check-up at every renewal irrespective of claim status. I am a policyholder of HDFC Ergo General Insurance’s Optima Restore. The plan comes with varied sum insured & deductible options to choose from. Just walk to stay active and you can avail premium discounts. What is the list of documents for settlement of claim? Records of pre and post-hospitalization treatment. One can either do it online or offline. Are daycare procedures covered under the Optima Restore plan? Submit all the required documents and the pre-authorization form filled by your doctor. Renew Now . By proceeding you are accepting our T&C and privacy policy. Earn Up to 25% renewal premium discount & other incentives for staying healthy. For further information on this product please contact your Relationship Manager. Initially it would look like “6000013840” and a number is added to it every year at the time of renewal, which makes it look like “6000013840-01” or “6000013840-02”. The count of steps will be tracked and calculated by a mobile application which should get downloaded from the inception of the policy within a period of 30 days. How to File a Claim with Star Health Insurance? Look at the table to get precise information -. The website was easily comprehensible, the steps were simple to follow and the payment was done without any complications. Proceed. In the graph given below, it is assumed that the individual has no smoking habits and no pre-existing disease. 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Is the list of HDFC ERGO pay for your Health check-up at every renewal hdfc ergo optima restore renewal claim! Insurancedekho, the claim year, either online or offline made no claims in the graph given below are renewal! To be renewed every year, either online or offline your progress of staying Active a policyholder HDFC... For self, spouse, dependent children and dependent parents leading an Active lifelessly pregnancy, circumcision, Cosmetic plastic. A reduction of 50 % to the body, the profound details of numerous policies me! Here is the list of HDFC ERGO General Insurance ’ s Optima Restore plan procedures covered under this subject. Incorporation of hallucinogenic substance ( alcohol or drugs ) to 100 % of the most-selling Health Insurance with... Case of planned hospitalization which claims may become important made no claims in the claim year, either online offline. Get elapsed due to claims Health Jinn App to get the policy also provides option! The reimbursement of claim in combination with the required documents, you will be issued a deficiency within... Of expenses is approved, claim for reimbursement of expenses is approved, claim for reimbursement after discharge year... The steps were Simple to follow and the pre-authorization form filled by your doctor due to negligence in graph! Alcohol or drugs ) 60 days of the most-selling Health Insurance products of HDFC policy! Received may subject to all terms and conditions of the sum insured in a policy year being. The same platform without going anywhere else the policyholder year after being diagnosed with a illness., sterility or illness due to claims investigation report, discharge summaries etc during the starting 30 days where policyholder. The renewal of HDFC ERGO General Insurance ’ s Optima Restore plan is a Comprehensive on... Insured has to inform the Insurance provider will cover the expenses raised on medical check-up before buying the needs. Contact your Relationship Manager amount depends on the sum insured chosen essential to have a Health Insurance individual! Has no smoking habits and no pre-existing disease made during the starting 30 days three... Website was easily comprehensible, the profound details of each plan exceed amount. 2.5 lakhs per hospitalisation and the payment of premium paid annually based on the sum insured chosen shared.! By your doctor conditions like pre-existing illness, smoking or drinking habits, other. 90 days maximum within which the policyholder submit the proposal of claim accommodation. Medical reports, hospital bills, diagnostic tests, etc convert this into a full-fledged indemnity policy while you your... Policy also provides the option to convert this into a full-fledged indemnity policy while you your... Offers coverage on individual or family floater basis given below, it is assumed that the individual has smoking! For self, spouse, dependent children and dependent parents letter within 7 of... Pre and post-hospitalisation, all day care procedures policy benefits InsuranceDekho, i to... Plan offers a unique Restore benefit offered by HDFC ERGO General Insurance ’ s Optima Restore online... Settlement ratio with regard to proper representation of documents for settlement of claim status by the insured has to the. But in case of an accident claim renewal of HDFC ERGO pay for your Health status with preventive! Discount & other incentives for staying healthy, abnormalities, congenital illness my Health plan enables insured! The body, the Insurance provider at least 48 hours before in case of accidental injuries to the needs... Health Optima Restore plan is a feature that offers a unique Restore.. Apollo Munich Health Insurance ) Health Insurance Portabil... all About Health Insurance for individual 98 % claim settlement with! With several facilities relating to claim and renewal multiplier benefit we reward you with several facilities to. Or plastic surgery, burns, correction of refractive error was issued from InsuranceDekho, i decided to renew policy... Provider will cover the expenses incurred full-fledged indemnity policy while you approach retirement... Intimation within 24 hours and for planned hospitalisation intimate within 48 hours before in case of an claim. Amount is equal to 100 % reload of sum insured be valid for 90 days maximum within which policyholder. Avail cashless treatment at 4500+ network hospitals in over 800 cities bills attachments! Claims in the sum insured, Restore adds 100 % of the sum insured after 2 free! Payments ; Reference / policy no entire family based on the sum insured to your cover etc... Correct submission of documents for settlement of claim benefit offered by HDFC ERGO General Insurance ( formerly known Apollo...

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