- 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. Hassle-free renewal. HDFC ERGO Health Insurance allows you to avail cashless treatment at 4500+ network hospitals in over 800 cities. 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. Renew Your Health Insurance Policy. The company promises to pay or reimburse 100% of the expenses raised on medical check-up before buying the policy by the insured. The premium may change with regard to any medical conditions like pre-existing illness, smoking or drinking habits, and other illnesses. FIR and MLC (Medico-Legal Case) in case of an accident claim. 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 Optima Restore Plan is one of the most-selling health insurance products of HDFC ERGO General Insurance. We pay for your Health check-up at every renewal irrespective of claim status. 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. Since my health plan was issued from InsuranceDekho, I decided to renew it using the same platform without going anywhere else. 4. 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. 10 lakhs and above. If you fail to submit complete documents, you will be issued a deficiency letter within 7 days of receipt of claim documents. By choosing this additional cover, the insured can enjoy never-ending benefits attached. 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. By proceeding you are accepting our T&C and privacy policy. 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. Again if you have made no claims in the 2nd year the basic sum insured will double i.e. This cover gives you a treatment facility at network hospital present globally. While the basic sum insured will remain untouched. What is the procedure to avail a cashless claim? 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 This is a health insurance plan with restore benefit offered by HDFC Ergo General Insurance. 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. Moreover, if you want to utilize portability benefit you have to inform the insurer 45 days prior to the renewal date of the policy. 2. When I visited InsuranceDekho, the profound details of numerous policies made me amazed. 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. The plan comes with three incredible benefits- Restore, Multiplier and Stay Active. When I issued HDFC Ergo General Insurance’s Optima Restore plan, InsuranceDekho seemed convenient for the purpose. Yes, you can buy HDFC ERGO Health's Optima Restore plan online by visiting our website www.insurancedekho.com. A settlement statement is also issued with the name of the proposer. ; 2 View Policy Details; 3 Make Payments; Reference / Policy No. HIV/AIDS, sterility or illness due to excessive incorporation of hallucinogenic substance(alcohol or drugs). So, it is essential to have a health plan that provides you with several facilities relating to claim and renewal. Here is the presentation of premium paid annually based on the age and sum insured value of the policyholder. Secure yourself & your assets! It also rewards you a multiplier benefit in case of claim free policy years. The plan comes with varied sum insured & deductible options to choose from. In-patient Hospitalization. 2X Multiplier Benefit We reward you for staying healthy. ... HDFC Ergo General Insurance Renewal Online. HDFC ERGO Health Insurance for Senior Citizen, HDFC ERGO Health Insurance for Individual. A Comprehensive Guide on Health Insurance Portabil... All About Health Insurance For TB Patients. Renew your HDFC ERGO Policy in 3 Simple Steps. We offer range of general insurance plans in India including motor, health, travel & home. Non-Allopathic treatment or Ayush treatment. 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. Compare detailed benefits of mediclaim policies to know which is better to choose. 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. I have just successfully completed the renewal of HDFC Ergo General Insurance’s Optima Restore plan. Settlement letter from TPA or insurance provider. Submit all the required documents and the pre-authorization form filled by your doctor. HDFC ERGO Health (formerly known as Apollo Munich) Optima Super is a top up plan with unique features. 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. Once your request for reimbursement of expenses is approved, the claim will be settled. About Us. HDFC Ergo Health Optima Restore Insurance Plan is a Comprehensive Online Health Insurance Plan that provides comprehensive cover for the entire family. HDFC ERGO Health Insurance allows you to avail cashless treatment at 4,500+ network hospitals in over 800 cities. 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. Get a full list of HDFC ERGO General Insurance (Apollo Munich Health Insurance) health insurance plans online. The cash amount depends on the sum insured chosen. But in case of accidental injuries to the body, the insurance provider will cover the expenses incurred. Yes, a policyholder can port or transfer all the benefits of previous policy to newly bought health plan after due allowances for waiting periods. If not approved, claim for reimbursement after discharge. HDFC ERGO Health (formerly known as Apollo Munich) Optima Cash offers lifelong renewability where is no policy ceasing age. I could not ask for a … The insured has to inform the insurance provider at least 48 hours before in case of planned hospitalization which claims may become important. The policy needs to be renewed every year, either online or offline. Records of pre and post-hospitalization treatment. Just walk to stay active and you can avail premium discounts. About HDFC ERGO Optima Restore Health Insurance. 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. You can upload the information on Health Jinn App to get a quick settlement. Submit duly filled and attested claim intimation form in combination with the required documents. Injuries due to war, nuclear and chemical weapons, radioactivities, criminal act, suicide, adventure sports, participation in military or naval force. Yes, daycare procedures are covered by the Optima Restore plan. After correct submission of documents, the insurer will approve your cashless claim within 60 minutes, as in 90% of cases. Original Bills like diagnostic bills, consultation bills and attachments like prescriptions. Medical reports, history of the patient, investigation report, discharge summaries etc. Can we port our previous policy with HDFC ERGO Optima Restore? Restore adds 100% of the sum insured if you use the policy sum insured fully or partially. Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request. the sum insured becomes 6lakhs. Multiplier Benefit is a feature that offers a 100% increment in the Sum Insured after 2 claim free years. The insured needs to renew the policy once in a year to get the policy benefits. Expenses for Organ Donor, emergency ambulance, no sublimit & lifelong renewal. Treatment of obesity, dental problems, mental disorder, genetic disorders, abnormalities, congenital illness. The bonus received may subject to a reduction of 50%, if any claim is made in the succeeding year. The New Restore Benefit- Instant addition of 100% basic sum insured to your cover, on your first claim. In the graph given below, it is assumed that the individual has no smoking habits and no pre-existing disease. Once your request is approved, claim is settled. 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”. How to File a Claim with Star Health Insurance? I have just successfully completed the renewal of HDFC Ergo General Insurance’s Optima Restore plan. Proceed. Stay Active benefit rewards you in case you live an active lifestyle. 9. 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. 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. HDFC ERGO Health (formerly known as Apollo Munich) Optima Cash Renewal Process. Stay Active Benefit - Optim Restore health plan enables the insured to gather health rewards in the shape of discounts. HDFC ERGO offers General Insurance Policies. If you fully or partially use the sum insured, Restore adds 100% of the sum insured. 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. What are the renewal discounts under Stay Active Benefit? I am a policyholder of HDFC Ergo General Insurance’s Optima Restore plan. Restore benefit is a feature of the plan. Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission. Minimum of 2.5 lakhs per Hospitalisation and the maximum should not exceed the amount of sum insured in a policy year. The illnesses covered under this rider are-. We pay for your Health check-up at every renewal irrespective of claim status. 3. 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. Human beings get more prone to illness as they grow in age. HDFC Ergo General Insurance Optima Restore Plan. Renew Now . Do we get reimbursement for the pre-policy check-up? What is the grace period in the policy? Get a FREE Quote! How it works – This policy can be taken for self, spouse, dependent children and dependent parents. 10 lakhs and above. 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. An insured person can avail this facility once in a policy year after being diagnosed with a critical illness. Treatment of infertility, birth control, vicarious pregnancy, circumcision, Cosmetic or plastic surgery, burns, correction of refractive error. 5. For further information on this product please contact your Relationship Manager. The discounts offered to insured on staying fit and healthy will be examined from the number of steps walked in a day. HDFC ERGO General Optima Restore Plan is more than just a traditional health plan. All the documents must get deposited within 15 days after treatment has been accomplished. In addition, it also gives coverage transportation expenses of insured and the attending member, accommodation expenses, post-hospitalization, and second opinion expenses. 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. 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. Multiplier benefit lets you enjoy a 100% increase in the Sum Insured in 2 claim free years. 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