the sum insured becomes 6lakhs. You can find everything you … It is the only plan in India that offers an option to convert to a fully-fledged nil deductible health insurance plan on retirement. HDFC ERGO Health (formerly known as Apollo Munich)-Optima Restore Plan: Claim Process. 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 This policy covers persons in the age group 91 days to 65 years. ... Trade Logo displayed above belongs to HDFC Ltd and ERGO International AG and used by the Company under license. Download HDFC ERGO Health Insurance Optima Senior Policy Wordings to know the latest features, benefits and exclusions of the policy. Again if you have made no claims in the 2nd year the basic sum insured will double i.e. b) In relation to a Family Floater, the bonus so applied will only be available in respect of claims made by those Insured Persons who were Insured Persons in the claim free Policy Year and continue to be Insured Persons in the subsequent Policy … The Minimum entry age for adult dependent: is 18 years and maximum entry age is 65 years. HDFC Ergo Health Optima Restore Insurance Plan is a Comprehensive Online Health Insurance Plan that provides comprehensive cover for the entire family. The plan comes with three incredible benefits- Restore, Multiplier and Stay Active. About HDFC ERGO Optima Restore Health Insurance. The policy will be valid for a period of 1 or 2 year(s) as opted. How it works – This policy can be taken for self, spouse, dependent children and dependent parents. Restore adds 100% of the sum insured if you use the policy sum insured fully or partially. Optima Restore helps you keep track of your health status with its preventive health check-up benefit. Optima Restore, Prospectus HDFC ERGO Health Insurance Limited Suitability: a. Optima Restore Policy Wording 2 Basic Sum Insured in any Policy Year. The policy will be issued on individual sum insured basis only. A 7.5% discount is offered on opting for a 2 year policy. HDFC Ergo Health Optima Plus Top Up Insurance Plan offers to cover you for higher hospitalization expenditures at nominal premium. 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. Get complete details on Apollo Munich Optima Restore health insurance plan online on Coverfox.. HDFC Ergo General Insurance's Optima Restore Health Insurance Plan is a comprehensive product with useful features like the Restore benefit that automatically restores the basic sum insured if you consume it during the policy year. Please refer to the policy wording for the complete list of exclusions. Optima Restore Health Insurance provides coverage ranging from 3 to 5 lakhs for both individual and family. Please refer to the policy wordings for complete understanding of benefits, terms and conditions and exclusions. Optima Restore Health insurance is the latest health insurance products from HDFC ERGO Health Formerly Apollo Munich. An individual and/or his family members namely spouse, dependent children, dependent parents are eligible for buying this policy. Optima Restore Plan is one of the most-selling health insurance products of HDFC ERGO General Insurance. b. 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. Optima Restore plan can be claimed in two ways-Cashless claim and reimbursement claim. 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