HDFC ERGO General Insurance Company Limited
Optima Restore
UIN HDHHLIP21322V062021We don't sell this — we'll still recommend if it fits
The dealbreaker fields
Max cover
₹50 lakh
Claim settlement (CSR)
98%
PED waiting
36 months
Specific disease wait
24 months
Mandatory co-pay
0%
Room rent prop. ded.
No
Pre / post hosp.
60 / 180 days
Network hospitals
13,000+
Free look
15 days
What this plan does well
- 180-day post-hospitalisation (industry leading)
- Restore Benefit on PARTIAL utilisation (not just complete) — distinctive vs once-only restoration plans
- Multiplier Benefit 50% per claim-free year (max 100%) — strong CB rate
- Stay Active wellness discount up to 8% on renewal — gamified
- Pre-Policy Check-up 100% reimbursed on acceptance
- E-Opinion for Critical Illness built-in
- Emergency Air Ambulance built-in
- Domiciliary treatment built-in
Watch out for
- Ambulance capped at ₹2K per hospitalisation (modest)
- Maternity excluded entirely
- AYUSH not in base coverage
- Free Look only 15 days (vs 30 in Bajaj/Star)
- Room rent capping not explicit in CIS — needs Policy Wording verification
- Hazardous/adventure sports broad exclusion list (12 sports listed)
Is this the right plan for you?
Run the 30-second cover calculator. We'll tell you whether this plan, or a different one, is the better fit.
Find my right cover →We don't directly sell this plan today. If our verdict says this is your best fit, we'll point you to a broker who does — and tell you our paired listed alternative so you can decide.