Insurance Company
HDFC ERGO General Insurance
Policy Name
Optima Restore
Expert Overview -
HDFC ERGO was established over 23 years ago and has built strong credibility over time. This is reflected in the consistent performance metrics and reliability it has maintained across its health insurance portfolio.
Plan Strategy -
Comprehensive health insurance plan offering extensive medical coverage with flexible benefits, suitable for individuals and families
Network Hospitals
15,000+
>8,500 recommended
Claim Ratio
97.06%
>95% recommended
Complaints
10.673
<20 recommended
Policy Features
Policy Analysis Detail
Inbuilt Value
Strategic Verdict
Co-payment
If yes, you will have to pay part of bill
No co-payment
No Co-payment
Room Rent Limit
If higher-category room, you pay part of the bill
No room rent capping
No room rent capping
Disease sub-limit
Leads to some disease not getting covered fully
No sub limit applicable
No sub-limit
No Claim Bonus
Bonus you receive every year on renewal
50% no claim bonus annually upto 100%
50% each year (Minimum upto 100%)
Restoration Benefit
Even after claim, base cover gets restored
100% restoration once in a policy year
100% restoration once in a year
Pre-Hospitalization
Days covered before hospitalization
60 days
At least 60 days
Post-Hospitalization
Days covered after hospitalization
180 day
At least 120 days
Consumables
Coverage for non-medical consumable items
Non-medical consumables covered
Consumables covered
Based on IRDAI Public Disclosures (2025-26)
Enhanced Coverage
Key Add Ons Available
Unlimited Restore
Timing Constraints
Waiting Period Analysis
Initial Waiting Period
30 days
Specific Illness
2 years
Pre-Existing Disease
3 years
