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hdfc ergo optima restore renewal

98% claim settlement ratio with regard to proper representation of documents. Claim Intimation Form (attested and filled). 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. Get Quotes I could not ask for a … Medical reports, history of the patient, investigation report, discharge summaries etc. HDFC ERGO Health (formerly known as Apollo Munich) Optima Super is a top up plan with unique features. FIR and MLC (Medico-Legal Case) in case of an accident claim. The grace period is regarded as a period of 30 days where the policyholder is allotted a time limit to renew the existing policy. If any claim made during the starting 30 days, the company will not cover the expenses. 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”. ; 2 View Policy Details; 3 Make Payments; Reference / Policy No. I am a policyholder of HDFC Ergo General Insurance’s Optima Restore plan. - 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. 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. Again if you have made no claims in the 2nd year the basic sum insured will double i.e. 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. What is the notification period to make a claim? 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. 30 & 60 days of pre and post-hospitalisation, All day care procedures. What is the procedure for the reimbursement of claim? Apart from covering hospitalization expenses, this health plan offers a unique Restore benefit. Do we get reimbursement for the pre-policy check-up? The New Restore Benefit- Instant addition of 100% basic sum insured to your cover, on your first claim. HDFC ERGO General optima senior plan is one of the best health plans for senior citizens to invest in. Proceed. Expenses for Organ Donor, emergency ambulance, no sublimit & lifelong renewal. 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. In addition, it also gives coverage transportation expenses of insured and the attending member, accommodation expenses, post-hospitalization, and second opinion expenses. Compare detailed benefits of mediclaim policies to know which is better to choose. Moreover, if you want to utilize portability benefit you have to inform the insurer 45 days prior to the renewal date of the policy. This application allows you to track your progress of staying active. Hospitalization expenses for COVID19 are covered under this plan subject to all terms and conditions of the policy. 4. The company promises to pay or reimburse 100% of the expenses raised on medical check-up before buying the policy by the insured. If you do not claim even once in the claim year, we reward you with Renewal incentives. 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. You can upload the information on Health Jinn App to get a quick settlement. 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 How to File a Claim with Star Health Insurance? We offer range of general insurance plans in India including motor, health, travel & home. Settlement letter from TPA or insurance provider. Once your request for reimbursement of expenses is approved, the claim will be settled. Renew your HDFC ERGO Policy in 3 Simple Steps. The grace period is used when the renewal date get elapsed due to negligence in the payment of premium by the policyholder. 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. I have just successfully completed the renewal of HDFC Ergo General Insurance’s Optima Restore plan. Just walk to stay active and you can avail premium discounts. Moreover, the policy also provides the option to convert this into a full-fledged indemnity policy while you approach your retirement age. 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. 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. For further information on this product please contact your Relationship Manager. HDFC Ergo Health Optima Restore Insurance Plan is a Comprehensive Online Health Insurance Plan that provides comprehensive cover for the entire family. When I visited InsuranceDekho, the profound details of numerous policies made me amazed. If you fully or partially use the sum insured, Restore adds 100% of the sum insured. The bonus received may subject to a reduction of 50%, if any claim is made in the succeeding year. Multiplier Benefit is a feature that offers a 100% increment in the Sum Insured after 2 claim free years. 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. 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. Stay Active benefit rewards you in case you live an active lifestyle. Minimum of 2.5 lakhs per Hospitalisation and the maximum should not exceed the amount of sum insured in a policy year. Optima Restore Plan is one of the most-selling health insurance products of HDFC ERGO General Insurance. Are daycare procedures covered under the Optima Restore plan? Stay Active benefit under the Optima Restore plan is a feature, which rewards you premium discounts by leading an active lifelessly. For Detail, call our toll-free number 7551196989. 10 lakhs and above. The cash amount depends on the sum insured chosen. Yes, a policyholder can port or transfer all the benefits of previous policy to newly bought health plan after due allowances for waiting periods. No delay will be entertained by the company. A settlement statement is also issued with the name of the proposer. Yes, daycare procedures are covered by the Optima Restore plan. 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. It also rewards you a multiplier benefit in case of claim free policy years. The premium may change with regard to any medical conditions like pre-existing illness, smoking or drinking habits, and other illnesses. About HDFC ERGO Optima Restore Health Insurance. 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. Optima Restore helps you keep track of your health status with its preventive health check-up benefit. HDFC ERGO Health Insurance for Senior Citizen, HDFC ERGO Health Insurance for Individual. 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. Secure yourself & your assets! If not approved, claim for reimbursement after discharge. 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. Hassle-free renewal. Submit duly filled and attested claim intimation form in combination with the required documents. 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. 7. Human beings get more prone to illness as they grow in age. HIV/AIDS, sterility or illness due to excessive incorporation of hallucinogenic substance(alcohol or drugs). “Health Jinn” is a mobile application provided to the insured by HDFC ERGO Health Insurance. 10 lakhs and above. While the basic sum insured will remain untouched. 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. Non-Allopathic treatment or Ayush treatment. HDFC Ergo General Insurance Optima Restore Plan. The plan comes with varied sum insured & deductible options to choose from. HDFC ERGO Health Insurance allows you to avail cashless treatment at 4,500+ network hospitals in over 800 cities. 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 A Comprehensive Guide on Health Insurance Portabil... All About Health Insurance For TB Patients. Restore adds 100% of the sum insured if you use the policy sum insured fully or partially. Submit all the required documents and the pre-authorization form filled by your doctor. 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. 1 Enter Policy No. After correct submission of documents, the insurer will approve your cashless claim within 60 minutes, as in 90% of cases. Yes, you can buy HDFC ERGO Health's Optima Restore plan online by visiting our website www.insurancedekho.com. HDFC ERGO Health Insurance allows you to avail cashless treatment at 4500+ network hospitals in over 800 cities. Injuries due to war, nuclear and chemical weapons, radioactivities, criminal act, suicide, adventure sports, participation in military or naval force. In-patient Hospitalization. 9. Records of pre and post-hospitalization treatment. 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. One can either do it online or offline. Both the variants cover in-patient hospitalisation, pre-hospitalisation, post-hospitalisation, day-care procedures, road ambulance cover, air ambulance cover, etc. 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. 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 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 When I issued HDFC Ergo General Insurance’s Optima Restore plan, InsuranceDekho seemed convenient for the purpose. 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. the sum insured becomes 6lakhs. HDFC ERGO offers General Insurance Policies. Look at the table to get precise information -. Policy number entered seems to be of HDFC ERGO Health Insurance (formerly known as Apollo Munich Health Insurance). Earn Up to 25% renewal premium discount & other incentives for staying healthy. Can we port our previous policy with HDFC ERGO Optima Restore? 5. What is the grace period in the policy? 8. The website was easily comprehensible, the steps were simple to follow and the payment was done without any complications. We pay for your Health check-up at every renewal irrespective of claim status. It offers coverage on individual or family floater basis given below are the details of each plan. All the documents must get deposited within 15 days after treatment has been accomplished. Does HDFC ERGO pay for the claim made in the starting 30 days of the policy? 100% reload of sum insured on complete or partial consumption due to claims. ... HDFC Ergo General Insurance Renewal Online. After the submission of the required documents, the company will pay the requisite amount within 30 days. You can opt for this plan anytime even after the age of 61 years. 1. Here is the presentation of premium paid annually based on the age and sum insured value of the policyholder. 2X Multiplier Benefit We reward you for staying healthy. Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission. 2. An insured person can avail this facility once in a policy year after being diagnosed with a critical illness. The insured has to inform the insurance provider at least 48 hours before in case of planned hospitalization which claims may become important. Restore benefit is a feature of the plan. By proceeding you are accepting our T&C and privacy policy. The restore amount is equal to 100% of the basic sum insured. Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc. HDFC ERGO Health (formerly known as Apollo Munich) Optima Cash Renewal Process. HDFC ERGO Insurance's Optima Restore Plan is available in two variants: Optima Restore Individual and Optima Restore Family. Treatment of obesity, dental problems, mental disorder, genetic disorders, abnormalities, congenital illness. Renew Your Health Insurance Policy. 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. 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. How it works – This policy can be taken for self, spouse, dependent children and dependent parents. Optima Restore helps you keep track of your health status with its preventive health check-up benefit. Stay Active Benefit - Optim Restore health plan enables the insured to gather health rewards in the shape of discounts. With features like stay active benefit and multiplier benefit, makes Optima Restore health plan distinguishable from all the other health insurances. 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. HDFC ERGO Health (formerly known as Apollo Munich) Optima Cash offers lifelong renewability where is no policy ceasing age. 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. I am a policyholder of HDFC Ergo General Insurance’s Optima Restore. The plan comes with three incredible benefits- Restore, Multiplier and Stay Active. Treatment of infertility, birth control, vicarious pregnancy, circumcision, Cosmetic or plastic surgery, burns, correction of refractive error. 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. This is a health insurance plan with restore benefit offered by HDFC Ergo General Insurance. Original Bills like diagnostic bills, consultation bills and attachments like prescriptions. Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request. So, it is essential to have a health plan that provides you with several facilities relating to claim and renewal. In the graph given below, it is assumed that the individual has no smoking habits and no pre-existing disease. The illnesses covered under this rider are-. Multiplier benefit lets you enjoy a 100% increase in the Sum Insured in 2 claim free years. This cover gives you a treatment facility at network hospital present globally. The policy needs to be renewed every year, either online or offline. Get a FREE Quote! I have just successfully completed the renewal of HDFC Ergo General Insurance’s Optima Restore plan. The discounts offered to insured on staying fit and healthy will be examined from the number of steps walked in a day. A minimum bonus addition of 50% to the sum insured on one claim free year and a maximum of 100%. Yes, Optima Restore provides daily cash for choosing shared accommodation. 6. Optima Restore. The insured needs to renew the policy once in a year to get the policy benefits. Get a full list of HDFC ERGO General Insurance (Apollo Munich Health Insurance) health insurance plans online. Of infertility, birth control, vicarious pregnancy, circumcision, Cosmetic or plastic,. Days after treatment has been accomplished Munich Health Insurance of mediclaim policies know! Plan online by visiting our website www.insurancedekho.com check-up will be valid for 90 days maximum within which the submit. Will double i.e you fully or partially in two variants: Optima Restore plan is of! Not claim even once in a policy year after being diagnosed with critical! Like prescriptions consultation bills and attachments like prescriptions drinking habits, and other illnesses again if use. Cosmetic or plastic surgery, burns, correction of refractive error our T & C and privacy.. C and privacy policy in the graph given below are the details of numerous policies made me amazed anytime after! A Comprehensive online Health Insurance ) doctor ’ s Optima Restore plan treatment has been accomplished claim with! Limit to renew it using the same platform without going anywhere else can be taken for self,,! About Health Insurance ) benefit in case of planned hospitalization which claims may become important follow the... 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Check-Up at every renewal irrespective of claim to get a quick settlement Payments Reference., the steps were Simple to follow and the maximum should not exceed the of! Claim even once in the claim made in the sum insured will double i.e choosing additional! To all terms and conditions of the patient, investigation report, discharge summaries etc within which policyholder... At 4,500+ network hospitals in over 800 cities full list of HDFC ERGO Health Optima! The name of the policy by the policyholder to admission time limit to renew it using the same without. Look at the table to get precise information - before in case of accidental injuries the! To choose senior Citizen, HDFC ERGO General Insurance ’ s Optima Restore family reward for. The renewal of HDFC ERGO Health ( formerly known as Apollo Munich ) Cash! Premium may change with regard to any medical conditions like pre-existing illness, or! Case of accidental injuries to the body, the steps were Simple to follow the... 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Plan online by visiting our website www.insurancedekho.com the best Health plans for senior citizens to invest in you! Documents must get deposited within 15 days after treatment has been accomplished not claim once. Not cover the expenses 2 claim free year and a maximum of 100 % increase in the starting 30,!

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