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Optima restore health insurance

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HDFC Ergo Health Energy Insurance Plan

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HDFC Ergo Easy Health Plan

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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 60 days Prior & 180 days post your hospitalization. This ensures better planning of your hospitalization needs
An instant addition of 100% basic sum insured to your cover, on your first claim. So if you have a base sum insured of 5 lakhs, and you claim Rs. 1,00,000 at the beginning of the year, we will restore the base Sum Insured of 5 lakhs to your remaining balance, i.e. you will now have Rs. 9,00,000 which can be used for subsequent claims in the remaining policy year for all claims under In-patient Benefits.
For every claim free year, we’ll increase your basic sum insured by 50% as no claim bonus for 2 years. So if you have a 5 lakh policy and don’t claim in the first year, we will increase your cover to 7.5 lakh for the second year and 10 lakhs in the third year, while you only pay a premium for a 5 lakh policy.
Earn up to 8% discount on your renewal premium if the insured achieves the average step count on Healthjinn app.

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 monitoring

    Duration: 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 :-

    • 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.

how can we help you?

At The Singhania groups, it is our pleasure to provide you great customer experience. In case you require assistance, we have created multiple ways to reach out to us and We commit to resolving your queries to your satisfaction.

The Singhania Groups really helped us achieve our goals. Our fast and efficient services meets our customers needs at single platform.

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Vidhi Agarwal
Co-founder , The Singhania Groups

The Singhania Groups Provides various customer’s services at a single platform.

Education Loan

An education loan is a sum of money borrowed to finance college or other school-related expenses. Payments are often deferred while students are in school and for a six-month grace period after graduation.

Finance & Accounting Services
  • Finance & Accounts, Tax (Direct & indirect), Fixed Assets Management
  • Reconciliation – parties, banks and inter countries
Systematic Investment Plan

Systematic Investment Plan is an investment strategy wherein an investor needs to invest the same amount of money in a particular mutual fund at every stipulated time period.

Stock Market,Commodity and currency

The Singhania groups provides demat A/c services and Annually portfolio Management according to their research and portfolio Management technique.

Insecure Loans

The Singhania Groups provides an unsecured loan taken by individuals from a bank or a NBFC to meet their personal needs. It is provided on the basis of key criteria such as income level, credit and employment history, repayment capacity, etc.

Goverment Bonds

A government bond is a type of debt-based investment, where you loan money to a government in return for an agreed rate of interest. Governments use them to raise funds that can be spent on new projects or infrastructure

Auditing Services
  • Statutory Audits & Tax Audits
  • Internal Audits
  • Compliance Audits
  • System Audits
Business Loans

A business loan is an unsecured form of credit designed to cover various expenditures in a business. Borrowers need not mortgage any asset to avail funds.

All Products of HDFC Ergo