HDFC Ergo Optima Restore
Introduction to HDFC Ergo Optima Restore
HDFC Ergo Optima Restore is a health insurance policy offered by HDFC ERGO General Insurance Company Limited. A health insurance plan promises to pay for hospitalization expenses as well as expenses incurred before and after a hospitalization. When it comes to protecting your family's health, selecting the right health insurance plan is crucial. HDFC Ergo’s Optima Restore Plan offers various benefits, features, and a range of add-on covers that cater to your and your family’s common healthcare needs - making it a popular choice.
This plan by HDFC Ergo provides comprehensive coverage and covers a variety of expenses in addition to hospitalization and related expenses. It also has some distinct features and benefits, such as the option of automatically increasing your sum insured in accordance with the previous year’s inflation. On the flip side, however, it is more expensive than other products in the market and does not provide a monthly premium payment option. Further, as per our research, the insurer has received fewer claim settlement complaints but a higher number of policy purchase complaints.
Pros & Cons: HDFC Ergo Optima Restore
No restrictions on the type of hospital room you choose- Option to automatically increase the cover amount based on previous year's inflation
- Covers non-medical expenses or the cost of consumables such as gloves, oxygen masks, nebulization kits, etc.
- Received fewer complaints on claim settlement compared to other insurers
Much costlier than other products in the market- Monthly premium payment mode not available
- Received higher number of complaints during policy purchase compared to other insurers
- Our study observed their responses on Twitter to be relatively slower than other insurers
Specific Exclusions: HDFC Ergo Optima Restore
Special Conditions: HDFC Ergo Optima Restore
About HDFC Ergo General Insurance Company Limited
HDFC ERGO General Insurance Company Limited is a joint venture between HDFC Ltd. and ERGO International AG. The company offers a wide range of general insurance products ranging from Motor, Health, Travel, Home, and Personal Accident in the retail space to Property, Marine, and Liability Insurance in the corporate space. It was founded in 2002 and is headquartered in Mumbai, Maharashtra. Mr. Ritesh Kumar is the company's CEO.
Detailed Product Specs: HDFC Ergo Optima Restore
