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HDFC Ergo Optima Restore Family Plan
First of a kind Optima Restore Family Health Insurance plan offers a unique Restore benefit that automatically reinstates the basic sum insured in case you exhaust it in a policy year.
HDFC Ergo Health Energy Insurance Plan
The plan covers individuals in the age group of 18 to 65 years at entry, who are currently
diagnosed with Type I Diabetes or Type II Diabetes or Pre-Diabetes (Impaired Fasting Glucose/
Impaired Glucose Tolerance) or Hypertension.
HDFC Ergo easy health individual plan
With Stay Active and other Uncomplicated benefits, the Easy Health Insurance Plan not only helps you stay healthy but also financially protects you in illness. The Easy Health Plan comes in three variants with multiple sum insured options to choose from to suit your requirements.
Key Benefits of HDFC Ergo All Plans
Following are the key benefits that this policy provides :
- Complete Coverage
- Restore Benefit
- Multiplier Benefit
- Stay Active Benefit-
Following are the benefits that you’ll get in this policy :-
No waiting period Day 1 Cover – Get coverage from Day One for all hospitalization arising out of Diabetes and Hypertension
Personalized Wellness program – Health Coach helps you to develop personalized improvement plan (Diet and Exercise plans), establish clear health goals with timelines, understand your health based on Wellness tests and update your Health Pal on your health status and goals.
Health Checkup Benefits –
Wellness test 1: HbA1c, blood pressure monitoringDuration: 4th to 5th month of policy
Wellness Test 2: HbA1c, FBS, Total Cholesterol, Creatinine, HighDensity Lipoprotein (HDL), Low-Density Lipoprotein (LDL), Triglycerides (TG), Total Protein, Serum Albumin, GammaGlutamyltransferase (GGT), Serum Glutamic Oxaloacetic Transaminase (SGOT), Serum Glutamic Pyruvic Transaminase (SGPT), Billirubin, Total Cholesterol: HDL Cholesterol, ECG, Blood Pressure Monitoring, BMI)
Duration: 8th to 9th month of policy
No Claim Bonus – Get a 10% increase in your basic sum insured for every claim free year up to a maximum of 100%. In case a claim is made during a policy year, the cumulative bonus would reduce by 10% in the following year.
Restore Benefit – Get 100% instant addition of your basic sum insured, on your first claim. For example, if you have a cover of 10 lakhs, and you make a claim of 3 lakhs, you will now have 7 + 10= 17 lakhs, at the price of a 10 lakhs cover.
Avail Tax Benefit upto 30,000 u/s 80D – The premium amount paid under this policy qualifies for deduction under Section 80D of the Income Tax Act.
- Personalized Web Portal – IHP- Personalized web portal for exploring healthy living, improving lifestyle, maintaining appointments, access and store medical reports, set reminders and set up alerts via sms/email for medicines and appointments
- Wellness Incentive – Earn wellness incentive of an amount equal to renewal discount that can be reimbursed against the consultation, diagnostic, medicine or other health expenses.
Benefits you will be getting in this plan are :-
- Hospitalisation Cover- If you or your loved ones, by any chance, land up getting hospitalized we want you to focus on self-care and getting better. A comprehensive hospitalization cover will take care of your Inpatient Treatment expenses right from hospital room rent or boarding, nursing, ICU, medical practitioners, anesthesia, blood, oxygen, operation theater, surgical appliances, medicines, drugs and consumables and diagnostic procedures.
- Critical Illness Rider- Critical illnesses demand state of the art diagnosis, treatments and medical care which is often expensive. With Easy Health you can opt for Critical Illness (only on the individual basis) lump sum benefit of 50% or 100% of the sum insured in addition to our payment under Inpatient Treatment Benefit.
- Cumulative Bonus- Health insurance is a long term plan. So in any year if you do not make a claim, your Easy Health safety shield grows bigger and better by 10% of the sum insured. Cumulative Bonus increases your sum insured by 10% for every claim-free year up to 100%.
- Maternity- Are you planning for a baby? Opt for maternity benefit and welcome your newborn into the family with
- Regular checkups from qualified doctors
- Quality care and treatment for mother before, during and after labor
- Any hospitalization expenses of the new born up to 90 days after the birth
Note, coverage for newborn baby will start from the date, the premium has been received.
- Complete Coverage- Zero out of pocket expenses is what one deserves from a right health insurance policy. Our complete coverage plan covers Pre and Post hospitalization expenses for consultations, investigations and medicines incurred up to 60 days before the date of admission and 90 days after discharge from Hospitalization.
- Stay Active Benefit- Just Stay Active in simple ways and earn up to 8% discount on renewals every year. Walking for about 10,000 steps every day on an average can have immediate and long-term health benefits, reducing your risk to multiple illnesses and earn rewards for the effort.
- AYUSH Benefit- No side-effects and great results make us believe in the power of AYUSH (Ayurveda, Yoga, Naturopathy, Unani, Siddha and Homeopathy). Insured members can use AYUSH benefit to pay for expenses that incur on such treatments in any government hospital or any institute recognized by the government.
All Products of HDFC Ergo
Dengue CareRead more
Easy Health Premium PlanRead more
Optima Senior Health Insurance PlanRead more
Health SurakshaRead more
Health Wallet PlanRead more
Optima Cash Health Insurance PlanRead more
Critical Illness InsuranceRead more
Suraksha Regain InsuranceRead more
Optima Health Restore PlanRead more
Suraksha GoldRead more
Optima Vital Health Insurance PlanRead more
Optima Plus Health Insurance PlanRead more