Optima Restore Individual Premium Calculator

Let's Start Smart! Know your Premium.

Please enter your Mobile Number

Enter the pin code of your location

Please enter your City

Who do you want to insure?

Self

Remove

Age

Cover

Add one or more members to get 10 % Discount

CALCULATE PREMIUM

I authorise HDFC ERGO General Insurance and associate partners to contact me via email or phone or SMS or WhatsApp.

Lifelong Renewability

Cashless Hospitalisation

Free Annual Health Check-up

Tax Savings up to ₹ 75,000* Tax

Why Us?

24x7 Customer Support

13,000+ Cashless Hospital Network

#1.6 Crore+ Happy Customers

99% Claim Settlement ratio

Optima Restore - Key Benefits

Complete Coverage

Complete coverage 60 days Prior & 180 days post your hospitalization. This ensures better planning of your hospitalization needs.

Get 100% of your cover restored instantly after your first claim. Let’s say you have a policy with ?5 lakhs cover and you claim 1 lakh during the policy period. Instantly, your original policy cover (5 Lakh) will get restored to your balance policy cover (4 lakh) thus giving you ?9 Lakh cover for the remaining policy duration.

2X Multiplier Benefit

Get up to 100% additional policy cover as no claim bonus. Let’s say you have a ?5 Lakh policy and you do not make any claims during the first year. Then your cover increases by 50%, making your total cover 7.5 Lakh for the second year. If you do not make any claims in the second year too, your cover increases by 100% making your total cover 10 Lakh. And, all this, while you will pay the premium for a ?5 Lakh policy.

Stay Active Benefit

Get up to 8% discount on policy renewal just by walking up to the daily average step count target on our mobile app Health Jinn. 5001-8000 steps = 2% discount | 8001-10000 steps = 5% discount |Above 10000 steps = 8% discount.

Complimentary Health Check-up

Enjoy preventive health check-up on renewal*. Keep track of your health with preventive health check-up benefits offered at renewal, irrespective of claim status. Avail free health check-ups once in two years on ?5 lakh cover and once every year on cover of ?10 lakhs and above.

Benefits Covered

Restore Benefit

Get 100% of the base sum insured reinstated automatically on your first claim.
Restore Benefit enhances your cover even on the partial utilization.
You can make your first claim up to your base sum insured. For Future claims, restore benefit can be utilized.
If you choose a 5lacs sum insured while buying a product, and happen to make a claim at the time of first claim: you are eligible for any amount upto 5 lacs so if you make a claim of 3 lacs: At the time of your second claim: you are eligible for any amount of upto (Base sum insured - Claim Amount) + 100% Restore of the Sum Insured) i.e.(5-3)+5 = 7 lacs

Multiplier Benefit

Multiplier Benefit rewards you by raising your sum insured after every claim free year up to 2 years.
Upto 100% bonus sum insured can be achieved.
After one claim free year you get 50% increase of sum insured at the time of renewal.
After two claim free years your basic sum insured gets doubled at the time of renewal.
If you choose 5 lacs sum insured while buying a product, and do not claim in the policy year, then you will have INR. 7.5 Lacs cover in next year. Similarly, if do not claim even in the second policy year you will have INR. 10 Lacs cover in the year after.

Preventive Health Check-up

Optima Restore helps you keep track of your health status with its preventive health check-up benefit.
We pay for your Health check-up at every renewal irrespective of claim status.
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. 10 lakhs and above.

What are you not covered for?

List of exclusions under Optima Restore are as follows:

Any treatment within first 30 days of cover except any accidental injury.
Any Pre-existing diseases/conditions will be covered after a waiting period of 3 years.
2 years exclusion for specific diseases like cataract, hernia, hysterectomy, joint replacement etc.
Expenses arising from HIV or AIDS and related diseases.
Abuse of intoxicant or hallucinogenic substance like drugs and alcohol.
Pregnancy, dental treatment, external aids and appliances.
Hospitalization due to war or an act of war or due to nuclear, chemical or biological weapon and radiation of any kind.
Non-allopathic treatment, congenital external diseases, cosmetic surgery or weight control treatments.

Please refer to the policy wordings for complete understanding of benefits, terms and conditions and exclusions.

Why trust HDFC ERGO General Insurance?

13,000+
Cashless Hospital Network

#1.6 Crore+
Happy Customers

1 Claim
Settled/minute

99% Claim
Settlement ratio

Free Annual
Health Check-ups

24x7 Claims and
customer Support

Why buy from us?

WE PAY CLAIMS: We have been catering to diversified customer needs by offering health insurance plans as per the age and budget requirements since last 16 years.

Buying a health insurance policy online helps in keeping your health records confidential as you don’t have to disclose the same to someone in person. Also, you can fill all the details and medical history information, which leaves no room for errors.

Get your policy with minimum documentation in 7 minutes
Pay your premium through multiple secured payment modes
In-house claim assistance and customer support, always eager to help you
Utmost transparency when it comes to handling claim queries and settling claims

Download Policy Wording Download Brochure