Her ergo restore to optima..

Hello Vikram,

When you decide to migrate from HDFC Ergo Optima Restore plan to the HDFC Ergo Optima Secure plan, your previous claims history will be taken into account during the migration process. The insurer will evaluate various factors, including your age, lifestyle, medical history, and, importantly, your claims history. If you've made multiple claims under your old health insurance policy, there are chance that the insurer may decline your migration application.

I hope this clarifies. Thank you!