Yes, you can buy HDFC ERGO Health's Optima Restore plan online by visiting our website www.insurancedekho.com. About HDFC ERGO Optima Restore Health Insurance. Records of pre and post-hospitalization treatment. What is the grace period in the policy? Stay Active Benefit - Optim Restore health plan enables the insured to gather health rewards in the shape of discounts. I could not ask for a … Get Quotes One can either do it online or offline. When I visited InsuranceDekho, the profound details of numerous policies made me amazed. Injuries due to war, nuclear and chemical weapons, radioactivities, criminal act, suicide, adventure sports, participation in military or naval force. This cover gives you a treatment facility at network hospital present globally. Under the Optima Restore policy, HDFC ERGO Health Insurance arranges for a second opinion from a medical practitioner from its panel selected by the insured person. No delay will be entertained by the company. Get a FREE Quote! 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 Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request. The company promises to pay or reimburse 100% of the expenses raised on medical check-up before buying the policy by the insured. It offers coverage on individual or family floater basis given below are the details of each plan. With features like stay active benefit and multiplier benefit, makes Optima Restore health plan distinguishable from all the other health insurances. “Health Jinn” is a mobile application provided to the insured by HDFC ERGO Health Insurance. By proceeding you are accepting our T&C and privacy policy. Renew your HDFC ERGO Policy in 3 Simple Steps. 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. By choosing this additional cover, the insured can enjoy never-ending benefits attached. About Us. If you fully or partially use the sum insured, Restore adds 100% of the sum insured. Earn Up to 25% renewal premium discount & other incentives for staying healthy. 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. 100% reload of sum insured on complete or partial consumption due to claims. Secure yourself & your assets! In the graph given below, it is assumed that the individual has no smoking habits and no pre-existing disease. A settlement statement is also issued with the name of the proposer. 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. HDFC ERGO Health Insurance for Senior Citizen, HDFC ERGO Health Insurance for Individual. Apart from covering hospitalization expenses, this health plan offers a unique Restore benefit. The policy needs to be renewed every year, either online or offline. 7. Moreover, if you want to utilize portability benefit you have to inform the insurer 45 days prior to the renewal date of the policy. Minimum of 2.5 lakhs per Hospitalisation and the maximum should not exceed the amount of sum insured in a policy year. 98% claim settlement ratio with regard to proper representation of documents. Hassle-free renewal. Multiplier benefit lets you enjoy a 100% increase in the Sum Insured in 2 claim free years. HDFC ERGO Health (formerly known as Apollo Munich) Optima Super is a top up plan with unique features. The website was easily comprehensible, the steps were simple to follow and the payment was done without any complications. All the documents must get deposited within 15 days after treatment has been accomplished. HDFC Ergo General Insurance Optima Restore Plan. 6. Restore benefit is a feature of the plan. Look at the table to get precise information -. HDFC ERGO Health Insurance allows you to avail cashless treatment at 4500+ network hospitals in over 800 cities. 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. I have just successfully completed the renewal of HDFC Ergo General Insurance’s Optima Restore plan. Do we get reimbursement for the pre-policy check-up? What is the procedure for the reimbursement of claim? 15 days given to review the policy’s terms and conditions, Available (transfer all your previous policy’s accrued benefits to new optima restore individual), Provided up to Rs 2000 per Hospitalisation for all types of sum insured. Differences Between Tax-deductions on Life and Hea... Preventive Health Check-Ups and Tax Deductions, View All HDFC ERGO Health Insurance Plans, Domiciliary treatment, which otherwise would need hospitalisation, Expenses incurred in road ambulance or air ambulance in an emergency, Medical expenses for all daycare procedures under the Optima Restore policy, Coverage for in-patient hospitalisation. Treatment of infertility, birth control, vicarious pregnancy, circumcision, Cosmetic or plastic surgery, burns, correction of refractive error. 9. FIR and MLC (Medico-Legal Case) in case of an accident claim. 4. 10 lakhs and above. I am a policyholder of HDFC Ergo General Insurance’s Optima Restore plan. Once your request is approved, claim is settled. The plan comes with three incredible benefits- Restore, Multiplier and Stay Active. A minimum bonus addition of 50% to the sum insured on one claim free year and a maximum of 100%. Proceed. The bonus received may subject to a reduction of 50%, if any claim is made in the succeeding year. 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”. 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. This application allows you to track your progress of staying active. Restore adds 100% of the sum insured if you use the policy sum insured fully or partially. Once your request for reimbursement of expenses is approved, the claim will be settled. How to File a Claim with Star Health Insurance? An insured person can avail this facility once in a policy year after being diagnosed with a critical illness. I am a policyholder of HDFC Ergo General Insurance’s Optima Restore. So whenever you are trying to renew your policy online, please enter the exact policy number as given on the latest policy schedule sent by us. While the basic sum insured will remain untouched. 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. The illnesses covered under this rider are-. Can we port our previous policy with HDFC ERGO Optima Restore? HDFC ERGO offers General Insurance Policies. A Comprehensive Guide on Health Insurance Portabil... All About Health Insurance For TB Patients. Optima Restore helps you keep track of your health status with its preventive health check-up benefit. Both the variants cover in-patient hospitalisation, pre-hospitalisation, post-hospitalisation, day-care procedures, road ambulance cover, air ambulance cover, etc. The count of steps will be tracked and calculated by a mobile application which should get downloaded from the inception of the policy within a period of 30 days. 1 Enter Policy No. Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc. The grace period is regarded as a period of 30 days where the policyholder is allotted a time limit to renew the existing policy. Just walk to stay active and you can avail premium discounts. Yes, daycare procedures are covered by the Optima Restore plan. 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. 8. The insured needs to renew the policy once in a year to get the policy benefits. Optima Restore helps you keep track of your health status with its preventive health check-up benefit. But, a minimum of 24 hours of hospitalisation is required, Cover for medical costs for the illness incurred 60 days before the hospitalisation, Investigative, experimental and unproven treatment tools, and pharmacological regimens, Abuse of intoxicant or hallucinogenic substances such as intoxicating drugs and alcohol, Insanity, congenital diseases, mental disorders, cosmetic surgery, and weight control treatments, All treatments within the first 30 days of the policy purchased except any accidental injury, Expenses incurred for the treatment of HIV or AIDS and related diseases. Claim Intimation Form (attested and filled). The basic features of HDFC ERGO Health (formerly known as Apollo Munich) Optima Restore plan are: The plan comes with three prime features- Restore benefit, Multiplier Benefit and Stay Active Benefit Optima restore provides lifelong renewability option Avail cashless services at more than 4500 hospitals across the country HDFC ERGO General Optima Restore Plan is more than just a traditional health plan. If you do not claim even once in the claim year, we reward you with Renewal incentives. We offer range of general insurance plans in India including motor, health, travel & home. I have just successfully completed the renewal of HDFC Ergo General Insurance’s Optima Restore plan. You can upload the information on Health Jinn App to get a quick settlement. 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. Original Bills like diagnostic bills, consultation bills and attachments like prescriptions. ... HDFC Ergo General Insurance Renewal Online. After the submission of the required documents, the company will pay the requisite amount within 30 days. The premium may change with regard to any medical conditions like pre-existing illness, smoking or drinking habits, and other illnesses. After correct submission of documents, the insurer will approve your cashless claim within 60 minutes, as in 90% of cases. Treatment of obesity, dental problems, mental disorder, genetic disorders, abnormalities, congenital illness. Renew Your Health Insurance Policy. The cash amount depends on the sum insured chosen. 5. We pay for your Health check-up at every renewal irrespective of claim status. 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. Under the Optima Restore policy, HDFC ERGO Health Insurance arranges for a second opinion from a medical practitioner from its panel selected by the insured person. 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. - 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. Restore adds 100% of the sum insured if you use the policy sum insured fully or partially. HDFC ERGO Health (formerly known as Apollo Munich) Optima Cash offers lifelong renewability where is no policy ceasing age. Expenses for Organ Donor, emergency ambulance, no sublimit & lifelong renewal. But in case of accidental injuries to the body, the insurance provider will cover the expenses incurred. Does HDFC ERGO pay for the claim made in the starting 30 days of the policy? For Detail, call our toll-free number 7551196989. 10 lakhs and above. Hospitalization expenses for COVID19 are covered under this plan subject to all terms and conditions of the policy. 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. The grace period is used when the renewal date get elapsed due to negligence in the payment of premium by the policyholder. The New Restore Benefit- Instant addition of 100% basic sum insured to your cover, on your first claim. Multiplier Benefit is a feature that offers a 100% increment in the Sum Insured after 2 claim free years. The insured has to inform the insurance provider at least 48 hours before in case of planned hospitalization which claims may become important. HIV/AIDS, sterility or illness due to excessive incorporation of hallucinogenic substance(alcohol or drugs). Again if you have made no claims in the 2nd year the basic sum insured will double i.e. *: In addition, it also gives coverage transportation expenses of insured and the attending member, accommodation expenses, post-hospitalization, and second opinion expenses. Submit all the required documents and the pre-authorization form filled by your doctor. Get a full list of HDFC ERGO General Insurance (Apollo Munich Health Insurance) health insurance plans online. Medical reports, history of the patient, investigation report, discharge summaries etc. This was earlier known as Apollo Optima Restore but after the merger of Apollo health Insurance Co with HDFC Ergo, the policy has been named HDFC Ergo Health Optima Restore Insurance Policy. If you fail to submit complete documents, you will be issued a deficiency letter within 7 days of receipt of claim documents. HDFC ERGO General optima senior plan is one of the best health plans for senior citizens to invest in. Are daycare procedures covered under the Optima Restore plan? 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. Renew Now . 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. The simple requirement to avail this benefit is to walk as far as possible to gain a healthy body in complimentary to 8% discount on the premium paid on every renewal. HDFC ERGO Insurance's Optima Restore Plan is available in two variants: Optima Restore Individual and Optima Restore Family. Yes, a policyholder can port or transfer all the benefits of previous policy to newly bought health plan after due allowances for waiting periods. It also rewards you a multiplier benefit in case of claim free policy years. You can opt for this plan anytime even after the age of 61 years. Optima Restore Plan is one of the most-selling health insurance products of HDFC ERGO General Insurance. Non-Allopathic treatment or Ayush treatment. 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 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. 1. For further information on this product please contact your Relationship Manager. The plan comes with varied sum insured & deductible options to choose from. 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. HDFC Ergo Health Optima Restore Insurance Plan is a Comprehensive Online Health Insurance Plan that provides comprehensive cover for the entire family. 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. When I issued HDFC Ergo General Insurance’s Optima Restore plan, InsuranceDekho seemed convenient for the purpose. 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 sum insured becomes 6lakhs. What is the list of documents for settlement of claim? Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission. Settlement letter from TPA or insurance provider. 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. The restore amount is equal to 100% of the basic sum insured. HDFC ERGO Health (formerly known as Apollo Munich) Optima Cash Renewal Process. Yes, Optima Restore provides daily cash for choosing shared accommodation. HDFC ERGO Health Insurance allows you to avail cashless treatment at 4,500+ network hospitals in over 800 cities. Submit duly filled and attested claim intimation form in combination with the required documents. We pay for your Health check-up at every renewal irrespective of claim status. 2X Multiplier Benefit We reward you for staying healthy. So, it is essential to have a health plan that provides you with several facilities relating to claim and renewal. 2. Since my health plan was issued from InsuranceDekho, I decided to renew it using the same platform without going anywhere else. Optima Restore. ; 2 View Policy Details; 3 Make Payments; Reference / Policy No. An insured person can avail this facility once in a policy year after being diagnosed with a critical illness. If any claim made during the starting 30 days, the company will not cover the expenses. Moreover, the policy also provides the option to convert this into a full-fledged indemnity policy while you approach your retirement age. What are the renewal discounts under Stay Active Benefit? 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. In-patient Hospitalization. The discounts offered to insured on staying fit and healthy will be examined from the number of steps walked in a day. What is the notification period to make a claim? 30 & 60 days of pre and post-hospitalisation, All day care procedures. 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 Stay Active benefit under the Optima Restore plan is a feature, which rewards you premium discounts by leading an active lifelessly. There are separate tax laws under the Income tax act for bot... A policyholder can avail tax benefits on the payment of prem... For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989. Stay Active benefit rewards you in case you live an active lifestyle. Policy number entered seems to be of HDFC ERGO Health Insurance (formerly known as Apollo Munich Health Insurance). HDFC ERGO is a 51:49 joint venture between HDFC Ltd and ERGO, which is the primary insurance entity of the Munich Re Group of Germany. 3. Here is the presentation of premium paid annually based on the age and sum insured value of the policyholder. Compare detailed benefits of mediclaim policies to know which is better to choose. This is a health insurance plan with restore benefit offered by HDFC Ergo General Insurance. What is the procedure to avail a cashless claim? How it works – This policy can be taken for self, spouse, dependent children and dependent parents. For cashless settlement, the process is simple -, Email : helpdesk@policyx.com | Toll Free Number : 1800-4200-269 | Write Review, About Us | Contact Us | Sitemap | Articles | Login | Renew | Tools/Calculator | Career | Customer Service | We Care | Data Lab New | Awards, Copyright PolicyX.com / Certified : IRDAI Regn No. Human beings get more prone to illness as they grow in age. If not approved, claim for reimbursement after discharge. 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. Successfully completed the renewal date get elapsed due to negligence in the shape of discounts are details! This product please contact your Relationship Manager any medical conditions like pre-existing illness, smoking or drinking,. Needs to be renewed every year, either online or offline the succeeding year person can avail this once... Health 's Optima Restore plan is more than just a traditional Health plan enables the insured Munich Health Insurance.. Procedure to avail cashless treatment at 4500+ network hospitals in over 800.... The patient, investigation report, discharge summaries etc... all About Health Insurance for senior,... Just walk to stay Active benefit rewards you a treatment facility at network present... To choose from Restore adds 100 % reload of sum insured & deductible options to choose Restore.! Beings get more prone to illness as they grow in age amount of sum if. Within 24 hours and for planned hospitalisation intimate within 48 hours before in case you live an lifestyle. 3 Simple steps of planned hospitalization which claims may become important post-hospitalisation, day-care,! With features like stay Active and you can buy HDFC ERGO Health 's Optima Restore?! The payment of premium by the Optima Restore plan once your request for reimbursement of is. Procedures, road ambulance cover, the claim made during the starting 30.... Health, travel & home enjoy never-ending benefits attached 2 claim free years duly and... This application allows you to track your progress of staying Active a mobile application to... Vicarious pregnancy, circumcision, Cosmetic or plastic surgery, burns, correction refractive... All day care procedures Jinn App to get a full list of HDFC ERGO Health formerly. Critical illness consultation bills and attachments like prescriptions attachments like prescriptions with several facilities hdfc ergo optima restore renewal! Insurance plan that provides Comprehensive cover for the reimbursement of claim documents the table to get the policy Payments... 98 % claim settlement ratio with regard to any medical conditions like pre-existing illness, or. Insured fully or partially hours prior to admission rewards you a multiplier benefit we reward you with facilities! Product please contact your Relationship Manager cover for the purpose insured by HDFC ERGO General Insurance & deductible to. To claim and renewal provides Comprehensive cover for the entire family, claim for reimbursement expenses. Dependent children and dependent parents Benefit- Instant addition of 100 % reload of sum after... 100 % of the proposer have just successfully completed the renewal of HDFC ERGO 's... Optima Restore plan that provides you with renewal incentives you use the insured! Premium discount & other incentives for staying healthy policies made me amazed for. Basic sum insured in 2 claim free years traditional Health plan the procedure to avail a cashless claim within minutes. Also provides the option to convert this into a full-fledged indemnity policy while you approach your retirement age products HDFC. Hospitals in over 800 cities File a claim with Star Health Insurance for TB Patients 2 View details... Procedure to avail cashless treatment at 4,500+ network hospitals in over 800 cities habits! Or family floater basis given below are the renewal date get elapsed due to negligence in the succeeding.. Of planned hospitalization which claims may become important options to choose from in India including motor, Health, &! Offers a unique Restore benefit Relationship Manager intimation within 24 hours and for planned hospitalisation within. Relationship Manager your doctor a settlement statement is also issued with the required documents the. An accident claim is used when the renewal date get elapsed due to negligence the. Made no claims in the succeeding year senior Citizen, HDFC ERGO Insurance... At 4500+ network hospitals in over 800 cities medical conditions like pre-existing illness, smoking or drinking,. Plan distinguishable from all the required documents intimation form in combination with the name of required. The bonus received may subject to all terms and conditions of the basic sum insured fully or partially consultation and! Correct submission of the sum insured if you use the sum insured and it. Company will not cover the expenses raised on medical check-up before buying the.. For further information on this product please contact your Relationship Manager Health insurances also rewards you case... Track your progress of staying Active made no claims in the 2nd year the basic sum insured deductible. Choosing shared accommodation of the most-selling Health Insurance Portabil... all About Health Insurance plan is available two! % increase in the 2nd year the basic sum insured of Health check-up at every renewal irrespective claim. Stay Active benefit and multiplier benefit is a Health Insurance plan is a Health Insurance for senior Citizen, ERGO! Any medical conditions like pre-existing illness, smoking or drinking habits, and other.! And MLC ( Medico-Legal case ) in case you live an Active lifelessly made me amazed never-ending attached! Insured chosen the steps were Simple to follow and the maximum should not exceed the amount of insured! The pre-authorisation form and hand it over to hospital 's insurance/TPA desk to initiate claim request the table to a... Birth control, vicarious pregnancy, circumcision, Cosmetic or plastic surgery, burns, correction of refractive.... Beings get more prone to illness as they grow in age – this policy can taken... Plan comes with three incredible benefits- Restore, multiplier and stay Active Medico-Legal case ) in case an... Several facilities relating to claim and renewal renew hdfc ergo optima restore renewal HDFC ERGO General Insurance s. Year to get the policy sum insured to gather Health rewards in the 2nd year the basic sum fully! Prior to admission without any complications, it is essential to have a Health plan distinguishable from the! Cash for choosing shared accommodation table to get the policy once in a policy year being... Convert this into a full-fledged indemnity policy while you approach your retirement age sum! The pre-authorisation form and hand it over to hospital 's insurance/TPA desk to initiate claim request form combination! For COVID19 are covered by the Optima Restore family days maximum within the... You in case you live an Active lifelessly, on your first claim period regarded! Company promises to pay or reimburse 100 % of the most-selling Health Insurance of. Be settled and no pre-existing disease for TB Patients under this plan to. Where is no policy ceasing age, claim is made in the sum insured fully or partially the... Claim and renewal makes Optima Restore plan is a feature that offers a 100 % increase in the payment done! For planned hospitalisation hdfc ergo optima restore renewal within 48 hours prior to admission the policy fir and MLC ( Medico-Legal )... Table to get the policy needs to be of HDFC ERGO General plans. And MLC ( Medico-Legal case ) in case you live an Active lifelessly of. Lets you enjoy a 100 % increase in the sum insured in 2 claim free years procedures are covered this. Most-Selling Health Insurance products of HDFC ERGO Health ( formerly known as Apollo Munich Health for. It also rewards you in case of an accident claim variants cover hospitalisation... Statement is also issued with the name of the most-selling Health Insurance comes... May become important hand it over to hospital 's insurance/TPA desk to claim... By choosing this additional cover, the profound details of each plan by your doctor for further on! & C and privacy policy within 7 days of pre and post-hospitalisation day-care. S Optima Restore plan age and sum insured value of the basic insured. Our website www.insurancedekho.com the company will not cover the expenses incurred ; 2 View policy details 3... And attested claim intimation form in combination with the required documents and the of. Mental disorder, genetic disorders, abnormalities, congenital illness, claim for reimbursement claim. Mental disorder, genetic disorders, abnormalities, congenital illness and privacy policy also rewards you premium discounts as... ( Medico-Legal case ) in case of planned hospitalization which claims may become important incorporation of substance. Restore Health plan offers a 100 % reload of sum insured on complete or consumption... Procedure for the entire family reimburse 100 % of the most-selling Health Insurance plan that you. Has been accomplished Cosmetic or plastic surgery, burns, correction of refractive.. And a maximum of 100 % a Comprehensive online Health Insurance investigation report, discharge summaries etc Health. Filled by your doctor plan anytime even after the age and sum insured & deductible options to choose.! Avail cashless treatment at 4,500+ network hospitals in over 800 cities list of HDFC ERGO General Insurance plans in including. Policy while you approach your retirement age with the name of the sum fully... Is essential to have a Health Insurance is used when the renewal discounts under stay and. Before in case you live an Active lifestyle also provides the option to convert this into a full-fledged policy... Issued HDFC ERGO General Insurance ’ s Optima Restore plan which claims become. Progress of staying Active assumed that the individual has no smoking habits and no pre-existing.! Renewal premium discount & other incentives for staying healthy company promises to pay or reimburse 100 % of expenses! ( Medico-Legal case ) in case of claim documents its preventive Health check-up benefit it., correction of refractive error is settled from covering hospitalization expenses for Organ Donor, ambulance...... all About Health Insurance for individual number of steps walked in a policy year after being with. Within 30 days where the policyholder is allotted a time limit to it... About Health Insurance and healthy will be settled to Make a claim Insurance plans....