Have best medical insurance with Optima Restore

Posted on: Jun 1, 2021 | | Written by:

Have best medical insurance with Optima Restore

Published on May 27, 2021. EST READ Time: 4 minutes

There are a plethora of options available for buying a health insurance policy, but choosing a suitable health insurance is very difficult hence here is a guide that can help you make an informed decision.

Before buying a health insurance plan, you must know the various kinds:

Indemnity Health Insurance policy:

This is a health insurance plan which covers hospitalization medical expenses on both cashless as well as reimbursement. This is a must-have for all individuals who are looking to buy health insurance at a young age.

Top-up Health Insurance Plan:

A top-up health insurance plan acts as an enhancement to your existing health insurance. If you already have health insurance or a corporate health cover and wish to get a more comprehensive cover at a low premium, then a top-up plan works best.

Fixed benefit Health Insurance plan:

While indemnity based health insurance and top up plans pay for medical bills on an actual basis, a lump sum benefit based health insurance plan pays you in one go or lump sum. It’s beneficial for meeting ongoing medical expenses arising out of critical ailments such as Stroke, Cancer, Paralysis, Multiple Sclerosis, etc.

Why is Optima Restore best for Complete Protection?

Optima Restore Plan is one of the most-selling health insurance products of HDFC ERGO General Insurance. The plan comes with three incredible benefits- Restore, Multiplier and Stay Active. Restore adds 100% of the sum insured if you use the policy sum insured fully or partially. Multiplier benefit lets you enjoy a 100% increase in the Sum Insured in 2 claim free years. Stay Active benefit rewards you in case you live an active lifestyle. Just walk to stay active and you can avail premium discounts.

The Optima Restore Policy is the perfect comprehensive cover. It offers extensive coverage with benefits for staying healthy. Here is what its key advantages are-

100% Restore Benefit: This unique feature of the policy restores your basic sum insured back in case of complete or partial utilization of sum insured #

Multiplier Benefit: If you do not make a claim, you get a 50% increase in your sum insured as a bonus for a claim-free year and which can go up to a maximum of 100 per cent at the end of 2 claim-free years

Health Check-up: When you purchase this policy, you can get preventive health checkups ranging from INR 1500 up to a maximum of INR 10,000 at the time of renewals as per the sum insured, and individual/ Family floater plan opted. This benefit is available for sum insured 5lac and above**.

Daily Cash for choosing shared Accommodation: Daily cash amount will be payable per day if hospitalized in shared accommodation in a Network Hospital for each continuous and completed 24 hours if the Hospitalization exceeds 48 hours .Daily cash ranges from INR 800 to INR 1000 per day subject to a maximum of INR 4,800 or INR 6000 as per the sum insured opted.

One Benefit- Many Rewards

The Stay Active program makes your health and life better in many ways. You get to:

Save money on your premium at the time of renewal
Beat stress, clear your mind and feel happier everyday
Expand your social circle as you mingle with fellow walkers
Keep ailments at bay with your active lifestyle and remain fit and healthy

Step Up and Stay Active

Our step-tracking app does not discriminate between the steps you take in a park to the steps you take pacing the meeting room in office to the steps you take rushing to pick your child up from school. No matter what activity you are involved in, as long as you are moving, your step-count will increase and so will your chances of getting the complete 8% premium discount at renewal.

Medical expenses can put a burden on both financially and psychologically. The old saying of ‘prevention is better than cure’ is apt in today’s times as to stay safe we need to take precautions and after taking precautions to safeguard our well being it’s imperative to buy best medical insurance.

Disclaimer - The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.

# subject to the condition that a single claim in a Policy Year cannot exceed the sum of Basic Sum Insured and the Multiplier Benefit (if any ). If the Restored Sum Insured is not utilised in a Policy Year, it will expire.*available sum insured 5 lac and above ** once at the end of a block of every continuous two policy years for sum insured 5 lac and at the end of each year at renewal for sum insured 10lac and above. HDFC ERGO General Insurance Company Limited. Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. Trade Logo displayed above belongs to HDFC LTD and ERGO International AG and used by HDFC ERGO General Insurance Company Limited under license. For more details on the risk factors, terms and conditions, please read the sales brochure/prospectus before concluding the sale. UIN: Optima Restore UIN: HDHHLIP21322V062021. IRDAI Reg. No.146 CIN: U66030MH2007PLC177117. UID No. D2 88

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Stay Active And Get Rewarded With Optima Restore

Key points to consider before buying health insurance?