HDFC ERGO Health (formerly known as Apollo Munich)-Optima Restore Plan: Claim Process. Optima Restore Plan is one of the most-selling health insurance products of HDFC ERGO General Insurance. Get complete details on Apollo Munich Optima Restore health insurance plan online on Coverfox.. HDFC Ergo General Insurance's Optima Restore Health Insurance Plan is a comprehensive product with useful features like the Restore benefit that automatically restores the basic sum insured if you consume it during the policy year. The policy will be valid for a period of 1 or 2 year(s) as opted. Optima Restore offers you easy portability so if you are insured under another Insurer’s health insurance policy you can transfer to HDFC ERGO Health Insurance Limited with all your accrued benefits after due allowances for waiting periods and enjoy all the unbelievable benefits of Optima Restore adds 100% of the sum insured if you use the policy sum insured fully or partially. b) In relation to a Family Floater, the bonus so applied will only be available in respect of claims made by those Insured Persons who were Insured Persons in the claim free Policy Year and continue to be Insured Persons in the subsequent Policy … You can find everything you … Optima Restore Policy Wording 2 Basic Sum Insured in any Policy Year. How it works – This policy can be taken for self, spouse, dependent children and dependent parents. HDFC Ergo Health Optima Plus Top Up Insurance Plan offers to cover you for higher hospitalization expenditures at nominal premium. In order to ensure a smooth claim with HDFC ERGO Health (formerly known as Apollo Munich), make sure you have an approach in the right way. Optima Restore Health Insurance provides coverage ranging from 3 to 5 lakhs for both individual and family. Please refer to the policy wordings for complete understanding of benefits, terms and conditions and exclusions. It is the only plan in India that offers an option to convert to a fully-fledged nil deductible health insurance plan on retirement. Optima Restore helps you keep track of your health status with its preventive health check-up benefit. This policy covers persons in the age group 91 days to 65 years. A 7.5% discount is offered on opting for a 2 year policy. Optima Restore, Prospectus HDFC ERGO Health Insurance Limited Suitability: a. The plan comes with three incredible benefits- Restore, Multiplier and Stay Active. About HDFC ERGO Optima Restore Health Insurance. Download HDFC ERGO Health Insurance Optima Senior Policy Wordings to know the latest features, benefits and exclusions of the policy. HDFC ERGO Health Formerly Apollo Munich Optima Restore Health Insurance Multiplier benefit For example: If you have a 3lakhs policy and has made no claims in the 1st year, the sum insured becomes 4.5lakhs for the second year. The policy will be issued on individual sum insured basis only. The Minimum entry age for adult dependent: is 18 years and maximum entry age is 65 years. Optima Restore Health insurance is the latest health insurance products from HDFC ERGO Health Formerly Apollo Munich. the sum insured becomes 6lakhs. Again if you have made no claims in the 2nd year the basic sum insured will double i.e. Product Name Optima Restore What am I covered for: a. The maximum entry age is restricted to 65 years. Optima Restore plan can be claimed in two ways-Cashless claim and reimbursement claim. ... 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