HDFC ERGO Optima Restore

100% Instant Refill Health Policy • UIN: IRDAI/HLT/HDFCE/P-H/V.1/16/13-14

Trusted comprehensive health insurance featuring instant 100% restore benefit for same or different illness, 50% yearly no-claim bonus, and lifelong renewability.

Key Features & Benefits

• Instant 100% Restore Benefit triggers immediately on partial or complete exhaustion of Sum Insured
• Multiplier Benefit: 50% increase in basic Sum Insured for every claim-free year, up to 100%
• Stay Active Benefit: Earn premium discounts by achieving daily step goals via mobile app
• Lifelong renewability with zero co-payment at any age
• Covers 586 day-care procedures without needing 24-hour hospitalization

Limitations & Waiting Periods

• Non-medical items (gloves, masks) deductible unless Optima Secure is chosen.
• Standard 30-day initial waiting period.