HDFC ERGO Optima Restore Details | HDFC ERGO Health Insurance | Health Insurance 2022 *REVIEW*

Optima Restore Plan is one of the best selling health insurance product offered by HDFC ERGO General Insurance.
The plan comes with three incredible benefits- Restore, Multiplier and Stay Active.
HDFC ERGO Optima Restore Plan is available in two variants: Optima Restore Individual and Optima Restore Family.
Both the variants cover :
- In-patient hospitalisation,
- pre-hospitalisation,
- post-hospitalisation,
- day-care procedures,
- road ambulance cover,
- air ambulance cover, etc.
For any queries, feel free to reach out to our team at 9650706699 or [e-mail].
#healthinsurancezaroorihai
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Disclaimer : Information presented in this video is for educational purpose only. It may not necessarily be taken as financial, legal or any other type of advice. It is not as per individual needs, objectives or financial situation of any particular person.The video is based on 15 years of experience of Financial industry.
It is based on researches from various books, internet etc and may include opinions of one or more persons who may or may not be the part of Hareepatti.
Gurleen Kaur Tikku or any other team member of Hareepatti will not hold be held responsible as this is not to be considered as personal finance advise.The video does not mean to hurt anyone’s sentiments or spread rumours of any sorts.Viewers should do their own due diligence before taking any action based on the video.
Viewers discretion is advised.

[@rameshbadarpur760]

ap jaisa koi nahi samjhata maem mene bahut video dekh li.... itna ap accha samjha dete hai utna humare boss bhi nahi samjha pate hai..itni gehrai se..thank u jo much meme itni helpful vidoe banane ke liye( i work in hdfc ergo ) abhi new join kiya hai mene

[@GurleenKaurTikku]

I am glad jee that you find our videos useful 🙂

[@rakeshrawat4380]

Hello ma'am I am Rakesh Singh Rawat. Mea open heart surgery ( 1993 ) main hui thi jisme mera valve replacement kiya gaya hai. abhi tk main year main checkup karwa leta hu and medicine leta hu. Mera question ye hai ki ek policy jisko star health ka heart care ke naam se jante hain but isme Mera policy nahi ho raha hai. Mera question ye hai ki kya mere liye koi mediclaim policy hai? Please suggest karain Regards Rakesh Singh Rawat ( 45 years old, leaving in Delhi )

[@Nirvair9]

Perfectly Explain Everything

[@GurleenKaurTikku]

Thank you :)

[@abhishekkashyap7454]

Mam pls ye bataiye isme kon sa add on karwana chahiye

[@satishjaiswal4667]

Is tubal ligation covered under this policy

[@G.R.V]

Nicely explained today take this policy from Hareepatti thank u.....

[@GurleenKaurTikku]

jee, Thank you :) Welcome to Hareepatti family.

[@sht54]

Hello madam can u please tell me which company is best in pune hdfc ergo vs icici Lombard vs star health

[@balwinderkumar2450]

Madam optima restore me Ayush treatment coverd hai g k na

[@balwinderkumar2450]

Mam optima restore me physiotherapy treatment cover hota hai g

[@MamtaDevi-nw5wp]

Mam can you explain unlimited restore mentioned in broucher... Mam you said about room rent details which is single ac room capped but in policy brochure Nocapping on room rent...

[@syedabdulqadir4754]

Optima Restore vs Koti Suraksha which is better mam.

[@Bharatpatel-pp4pe]

Oral cancer treatment cergory is including in optima restore HDFC ergo insurance policy?

[@Musiclover-gm7fl]

Excellent ! Nicely explained 🙏🏻🙏🏻💐

[@GurleenKaurTikku]

Thank you & keep watching for more such informative content 😊

[@researchguide7406]

Hi mam, is pregnancy not covered in this policy

[@rohanchavan8260]

very well explained. Just see if you can add information about add-on riders along with the policy details so that it becomes complete. Hope you can think about this suggestion. Thanks again.

[@GurleenKaurTikku]

Thank you so much for the valuable feedback :)

[@vikramnangia]

If I bought a policy 3 years back for 10 lacs basic sum assured, my total coverage for this year would be 20 lac rupees after adding the NCB. Let’s say I get hospitalised and the bill amount is 2 lack rupees. Once the claim is settled and restore benefit is triggered my total coverage would become 28 lacs. What is the maximum amount I can claim for the subsequent hospitalisation in the same year? Would it be 18 lacs(Basic sum assured+ NCB-Previous claim of 2lacs) or 10lacs(Basic sum assured) of the remaining 28 lacs?

[@GurleenKaurTikku]

Thanks jee :)

[@udaykumar8356]

Ayurvedic treatment include है या नहीं?

[@manindermann8164]

Thanks Please compare HDFC Optima Restore Floater with the Star Assure plan's main unique benefits of each

[@akshaybhutoria7535]

Is there any hidden T&C with respect to no cap on room rents For ex: If I am taking a suite room due to unavailability of other rooms in the hospital, will there be any issues with claim?

[@sarikakhandelwal598]

Mam c2p is orgo ?

[@amanmadaan4888]

Thanks for the informative video...Just one query will this policy be issued as family floater if one of the member is diabetic (35 years) on tablets.

[@GurleenKaurTikku]

Aman jee, HDFC ergo restore is not available in case diabetes is a PED. Other plans like HDFC secure below the age of 45 if PED is diabetes or HDFC energy plan can be taken.

[@anoobfrancis6613]

deviation of nasal septum(DNS) will be considered under cosmetic surgery or on doctors recommendation for operation it can be considered in general surgery?

[@GurleenKaurTikku]

If it is a septoplasty which is performed to correct a deviated nasal septum, it will not be considered as cosmetic and instead address functional issues, including obstructions to airflow through the nostrils. If a septoplasty is part of cosmetic surgery, then will not be covered.

[@ishanagrawal396]

Thank you! Very informative! Could you also share details on TATA AIG Medicare Health insurance both base and super top up plans please?

[@GurleenKaurTikku]

Sure jee, will make a video shortly.

[@plusplus7884]

Madam,can you please suggest me which is best policy hdfc ergo optima restore or maxbupa reassure for my family of 4members with my parents age of 56&45 with diabetic and hypertension.

[@GurleenKaurTikku]

Please share your location and share the details of PED diabetes and hypertension , since when and what are the readings. you can get in touch with us at 9650706699, will suggest the suitable plan as per your details.

[@pavankumar-zf9vg]

How does multiplier benefit work

[@sonymathew3697]

Madam for basic 5 lakh coverage, how much to pay for single room?

[@rahulshokeen4392]

Excellent ❤

[@GurleenKaurTikku]

Thanks 😊

[@seemabansal9476]

Agar 10 lac ki family policy hai to kya hum top up le sakte hai

[@ashoksaroha8581]

Gurleen ji very nice information

[@GurleenKaurTikku]

Thank you so much , keep watching !

[@piyushjain4349]

Amazing content

[@GurleenKaurTikku]

Thank you so much !

[@vishalkar3482]

Some insurance advisor company like ditto, policybazar etmoney etc said sugar and hypothyroidism hone se accept nahi karte

[@pratap_virendra]

Mam i have optima restore floater plan . It's been two years. Since now i have touched the limit of 25 years. I have to switch to individual plans. should i switch to max bupa reassure ? Please advice.

[@GurleenKaurTikku]

Yes, you can choose between HDFC otima restore and Max bupa reassure, Please check the features and see what suits you.

[@vikasthakur9962]

Ya Jo step h pr day k h

[@umeshkumar007]

I have earned 8% renewal discount in app but there is no option to claim this discount. How to get this discount in renewal?

[@vardhany123]

Hi mam, Very well explained. Have a question, my agent said that premium will not be changes life long, my father is of age 59. And plan is hdfc click 2 protect health ( as I see the same is optima restore) Please confirm if the premium will change Or not. I am pretty sure the premium can't be fixed throughout life. So wanted to confirm. Thanks in advance.

[@GurleenKaurTikku]

Hi Vardhan, received your policy details on email as well. The plan HDFC click 2 protect health is offering of HDFC bank, please check with them only. Thanks

[@krishnakantverma4526]

Hi Gurleen , very nice explanation . Could you please suggest any family floater policy for a long-term .I seen only 3 years policy . Also my for my parent age above 60+ . My age 32yrs

[@GurleenKaurTikku]

Krishnakant jee, Maximum tenure for multi year is 3 years as of now. Please share exact age of parents, medical history if any, your location. You can also speak to us at 9650706699.

[@krishnakantverma4526]

@@GurleenKaurTikku mother age is 61 years and fathers age 63 year both are diabetic and taking medicine for high BP as well . Location Bangalore

[@ashwinmurugan3080]

Just wanted to ask, why is HDFC ergo optima restore premium higher than rest of the policies (Star, Niva bupa)?

[@GurleenKaurTikku]

Premium calculation for any insurance product is based on actuarial calculation for which claim ratio, inflation, company's profotability etc are taken into consideration.

[@rajashekhartv4862]

Madam thanks for information...Optima restore ,, in this health insurance plan will it be covered for OPD expences,, DR consulting.. and medicine ..if a person won't get admitted. for 24 hrs and above ??

[@GurleenKaurTikku]

OPD and Dr.Consultations are not covered. If these OPD and Dr Consultations lead to Hospitalisation, then these can be claimed in pre hospitalisation

[@ashishbansal3669]

Hi, you didn't explained multiplier benefit of this policy

[@ramansingh-ub8cz]

renewal discount nhi mil raha

[@fcsramkumarbhargav2285]

Good Morning Mam, I have renewed my optima restore family floater for two years, I want to know the benefits of bonus for first year and second year I.e my mean to say is that whether I will get bonus in both years separately or only for one year. Please reply ....Thanks.

[@GurleenKaurTikku]

Good morning Sir, yes you get bonus separately for both the years in case there is no claim

[@rajeevduggal86]

Hello Gurleen Mam, I am looking for HDFC Ergo Optima Secure policy for me and my family and the moment I started reading the Policy document and comparing it with Brochure, I had a couple of questions to clarify: - 1st Policy wording Page 24 Annexure B (Items for which coverage is not available in "the" Policy (Non - Medical Expenses) - Policy brochure says all Non Medical items covered. I explained this to 3 people on their Sales team, Akash, Mohit and Kamayni. Initial response was that this is wording of Umbrella policy and lastly they were are telling me the difference in "the" and "this" in the policy wording as quoted above, which was unacceptable. FInally, the ma'am told that "sir aap behes kar rahe ho". Why would I do that, what I want is the updated Policy wording as this contradicts with the brochure wording. Her response "sir policy document bar bar change nahi kar sakte". So I said, you want me to buy a policy with contradicting statements. - 2nd Policy wording page 14 clause 1.13 mentions instalment options but she said that we don't have them available at the moment. I asked for an updated document and the response was the same. Lastly I asked the lady on call to please repeat her good name, on hearing she immediately disconnected the phone. Is this how you want to onboard new customers? I have seen such experience from the Sales team first time while dealing with all different types of corporates. Can you please suggest how to get the updated policy wording before proceeding to purchase this policy?

[@GurleenKaurTikku]

Hello Rajeev jee , please share your contact number at [e-mail], will have a detailed call with you and try to provide you with the required details. Alsi, you can reach us at 9650706699. Thanks

[@deanwinchester7723]

Mam between max Bupa reassure Vs this Optima plan ...in South India ...which is a better one. .for an individual of 31 years male...

[@GurleenKaurTikku]

Please get in touch with us at 9650706699. Will share the cashless list for both as per your location and understand what you are looking for in the policy.

[@ashishwaghmare7975]

What is the benifits of no claim bonus.buyed policy for parents last year and it's not calim.and now the renewal premium is more than the amount paid last year!

[@GurleenKaurTikku]

No claim bonus is increase in sum assured if no claim is taken.

[@meetpatel5907]

What is the best plan for younger people like 20 to 30 years old , suggest some good option & make a dedicated video so many young people still don't have health insurance because of unawares of health insurance.

[@GurleenKaurTikku]

There are lot of options available , depends what a person is looking for. I will make a separate video on the options and how to choose the best plan.

[@ahamedkabir2006]

Good Day madam, i bought ICICI health shield with 4 PED loadings, but they not mentioned thyroid as PED, they said thyroid come standard exclusion with 2 year? That's right?

[@GurleenKaurTikku]

If Thyroid is a PED her , then it should come under PED.

[@Desh_ka_Ladla]

Mam kya dog monkey bites cover hota hai

[@sjasbir161]

Mam I m waiting ?? Will u please clarify that Ayush treatment is covered or not in this hdfc policy.

[@GurleenKaurTikku]

Hello jee, AYUSH Treatment is not covered in HDFC ERGO Optima Restore Plan .

[@swatipatidar5175]

Please share the difference between max reassure & hdfc optima restore plan.

[@GurleenKaurTikku]

Sure , Thanks for the suggestion :)

[@vinpal2507]

Hello @gurleen ji, does this cover international hospitalization? if not here, is there any other policy in hdfc that covers this?

[@GurleenKaurTikku]

No, not covered in HDFC ergo plans

[@vinpal2507]

@@GurleenKaurTikku which other insurance plans cover this with similar benefits as ergo

[@shyamnarayanshukla5248]

3year policy availabile

[@rosnegi]

I want to switch my policy (HDFC ERGO)to other insurance and want to change my agent also . Please suggest 🙏

[@GurleenKaurTikku]

Please get in touch with our team at 9650706699 / 9810458605 or fill the below form - we will connect with you - hareepatti.com/contact-us/

[@deepakbhagat7073]

Which is best. Hdfc optima restore Or Maxbupa reassure 15-20 L sum insured

[@GurleenKaurTikku]

Hello Deepak jee, we have made a video comparing both the plans. Please check the link : kzbin.info/www/bejne/oJKphoKwbLagp5I . If you still have any queries, get in touch with our team at 9650706699 .

[@fansreactionwthdash...8060]

Mam ji ek doubt Jese ki ek ek policy me ek ek disease keliye lemit he itna tak claim kar sakte ho isme bi aisa he kya ?

[@GurleenKaurTikku]

Nahin jee, there is no limit as such.

[@ramanandmyra2138]

can u tell me the best insurance policy where all health issues except this cosmetic surgeries and also whose claim settlement ratio is good?

[@vishalgaming50]

Care health insurance policy I'm the employee of the company you will get all the benifit in our policy if you want more information just reply me😊

[@soumitramohanta6493]

Hello madam, If I get admitted in hospital for 7 days, will optima restore insurance pay for complete 7 days bill or only first 3 days bill?

[@GurleenKaurTikku]

Hello jee, it will be covered for 7 days.

[@PreetiKumari-mx2jg]

Hlo ma'am... Since November 2021 I m having optima restore floater policy for me and my husband.. For...2..3..months I had spotting and ache in stomach and later i went to hospital and the same day on 29 June 2023 diagnosed with ovarian cyst and had operation within 10 days... Hospital bill was approx 1.1 lakh.... But hdfc ergo is not giving reimbursement... Plz help and reply...

[@GurleenKaurTikku]

This is because Cyst comes under slow growing illness and will be covered after nov 2023

[@sumankundu405]

Sir plz tell me HDFC ergo 3D term plan me critical illness to hai,,,,par kya yea plan critical illness detect hote hi uske liye lumsum karega?? I think critical illness k liye lumsum fesility isme Nehi hai,,,,,,plz guide me,,, I want to buy term insurance and critical illness plan with one time lumsum fesility

[@GurleenKaurTikku]

Suman jee, This plan has different options where you can choose between lumpsum payout and other options. All the term insurance policies have this option.

[@sumankundu405]

@@GurleenKaurTikku thank u mam,,,,,,, god bless u

[@GurleenKaurTikku]

@@sumankundu405 :)

[@pabitraroy5577]

Maam, acute pancreatitis , is it a pre existing disease? Happened on 2018 ..

[@GurleenKaurTikku]

Yes, it will come under PED

[@babloopaswan6871]

Thanks

[@GurleenKaurTikku]

:)

[@manishsaini7685]

Hello Gurleen I am a health consultant for the last 1 year, my uncle bought a policy in 2019 Optima Restore Plan, but the policy agent did not mention PED in the policy which is high blood pressure, if I update this year that he is taking The medicine is from 2019 January. So how much waiting period will the company implement? Now the agent is saying in his policy that if you do now then there will be no waiting period if you say that I have high blood pressure right now. So in such a situation, there will be no problem in claiming the claim in future. Please reply as soon as possible as their policy is scheduled to be renewed on 30 May. And the agent misleads them I am advising him of the port policy in Max Bupa Insurance Policy and mentioned PED

[@GurleenKaurTikku]

Manish jee, you can send an email to HDFC ergo stating PED details, most likely PED waiting period should not be there as the policy is 3 years old now. The final decision will be given by the insurance company only. Portability is also an option by mentioning PED and is possible if there are no major claims in the last 3 years or he was not COVID positive in the last 3 months.

[@manishsaini7685]

@@GurleenKaurTikku Thanks for reply, I am already sent a mail to HDFC Ergo once I renewed the policy will share you policy documents if you provide me your mail I'd

[@GurleenKaurTikku]

@@manishsaini7685 [e-mail]

[@DEADLYDUO]

@@manishsaini7685 Manish Jee can I Know what happened after specifying PED to Insurance company. I am also facing the same issue it will help me a lot. Thanks in Advance

[@dhirbhateja6233]

I'm 67yrs, spouse 58 yrs, son 23 yrs. Pl suggest health policy from HDFC ergo

[@MarcusPoseidon]

Difference between my health Suraksha and optima restore / optima secure?

[@GurleenKaurTikku]

Thanks for the suggestion. Will shoot a video soon :)

[@sharanviswanath]

Hello gurleen , can you confirm if this plan covers consumables? As per the policy wording, it does

[@GurleenKaurTikku]

Hello jee, you need to add a protector rider to cover consumables

[@sharanviswanath]

@@GurleenKaurTikku thank you ma'am

[@mehulshah5957]

Good afternoon madam.i liked your video. can you give me information if company activate restore facilities it will take extra premium after treatment ?

[@GurleenKaurTikku]

Mehul jee, I'm glad you liked the video. There is no extra premium charged for restore benefit.

[@RiteshKSingh-fm4xo]

Ma'am I need to know,, what are the extra Benefits if I renew the policy with Optima Assure with my present policy of Optima Restore.? .....or shall I continue with Optima Restore only

[@GurleenKaurTikku]

You can continue with HDFC ergo optima restore

[@abhishekjha4988]

Can you advise is there any capping in optima restore ?

[@GurleenKaurTikku]

No capping

[@abhishekjha4988]

@@GurleenKaurTikku thanks☺️

[@bindukarimbillal4834]

Hello mam .thank you for the information. Can u clarify the refill option in case of a floater

[@GurleenKaurTikku]

Thank you so much. For any queries regarding the terms in the plan, Kindly connect with us on WhatsApp/Call at 9650706699.

[@SuperAbhijeet2009]

Hi mam, What will be limit for cataract surgery? Thanks

[@GurleenKaurTikku]

Mono focal lenses are covered and no limit as such

[@ashoksaroha8581]

Gurlleen ji cusumable cover in this policy

[@amolbhor378]

how to add member in this policy as i had taken family floter plan, So when i took this plan it was Me & my wife & 1 child but now i want to add my 2nd child in this same plan, so pls let me know, Thanks

[@GurleenKaurTikku]

Amol jee, you can add at the time of renewal. Mid term baby addition also can be considered, you can email customer care.

[@sammybag6940]

Madam,Hdfc ergo optima restore and hdfc ergo optima secure konsa best hai for individual?

[@GurleenKaurTikku]

Optima secure is a better version of restore.

[@organiclife2466]

Hi We have been renewing our HDFC Ergo Policy (Family Floater)for the last 6 years, so what will be the benefits, and how to claim regular check-up amount? Is it possible through the site?

[@GurleenKaurTikku]

Hi , we had a word. You can upload the docs after getting the annual health checkup done on the application

[@navrangpaints6936]

mam i have a question that if my wife delivery was done by cizerian operation on september 2006 then should i have to disclose as pre existing while purchase of new policy other wise she is fit and fine now age is 43

[@GurleenKaurTikku]

Hello jee, Caesarean delivery is not a pre existing disease. It will.not impact underwriting decision. You can answer the question related to child birth if it is asked at the time of filling the application form.

[@navrangpaints6936]

@@GurleenKaurTikku thanks for your gentle advice.

[@GurleenKaurTikku]

@@navrangpaints6936 :)

[@Ravishukla1291]

If i want to take this policy only for my mother then it would be under individual or family floaters?

[@GurleenKaurTikku]

Please connect with us on WhatsApp/Call at 9650706699. Our team may assist you. Thank you

[@dhrubajyotibora7243]

1. 4:52 Emergency air ambulance 5 lacs ki policy mei nahi milta hain. 2. Health check up lene par no claim bonus milega ki nahi? 3. Finally restore benefit same person same illness ke liye sirf yehi policy deti hain shayad. Aur isme TPA bhi nahi hain. After all I think this is one of the value for money best policy hain.

[@GurleenKaurTikku]

1. Yes, not covered in 5 lacs policy 2. NCB will be there 3. Other companies also give benefit of restore on same person same illness - Max bupa reassure plan is one of them.

[@vikeshsharma3394]

Mam im planning to buy this health insurance policy(35000 for year) for my family member of 3 including me, can it will be a good option Thanks

[@GurleenKaurTikku]

Vikesh jee, It is a good choice. If you have any queries, you can rech out to us at 9650706699.

[@naturalfun8954]

Opd charge hai

[@sumitsinha9070]

Nothing is mentioned about Multiplier benefit of the policy Whether policy premium will increase or remain same

[@GurleenKaurTikku]

Sumit jee, Multiplier benefit is nothing but the No claim bonus(mentioned in the video) of 50% every year for claim free added to the sum assured. Premium remains for base sum assured only as this is bonus given by company.

[@aryankatiyar9653]

ma'am please ek honest suggestion dijiye apna ki aapke hisaab se kon si health insurance policy sabse achchi hai, mujhe apni family ki karwani hai, please reply🤓

[@GurleenKaurTikku]

Aryan jee, Depends on your need - what you are looking for in the policy and medical history also. You may get in touch with us at 9650706699

[@aryankatiyar9653]

Ji achcha

[@vishalbrahmbhatt157]

Please compare this plan with Bajaj Health Guide Platinum plan

[@GurleenKaurTikku]

Sure, Thanks for the suggestion :) Will try to shoot a video soon .

[@ramprashanth920]

If my mom has bp, how long will the waiting period be and what diseases will be excluded within waiting period and after waiting period

[@GurleenKaurTikku]

Waiting period of 3 years for diseases that can happen because of BP. And after waiting period, all will be covered

[@thakur.jitendersingh4372]

Good afternoon mam. I am 47 years old and my wife is 41 years old having two kids of 17& 15 years. We both are govt employee. Should me and my family need a health insurance. If yes of what amount and also please name the policy. We are at present living in near by Hamirpur city of Himachal pradesh

[@GurleenKaurTikku]

Hello Jitender jee, please get in touch with us at 9650706699, we will help you out with the best option. Thanks

[@soumyajitchowdhury2807]

Ma'am, took policy for my mom at 55 for sum insured 5 lacs. Will premium increase on the next year,as my mother turns 56?

[@GurleenKaurTikku]

Yes, it will increase

[@navinkotangle5283]

Madam health checkup started after 1st year , 2nd year kab checkup kar sakta hai aur agar bhul jaye to kya hoga , kya money claim kar sakatay hai kya?

[@GurleenKaurTikku]

Complimentary health checkup can be availed on renewal every year. It will not be carried forward if not claimed in one year.

[@navinkotangle5283]

Ok thank u Madam, bas ek request hai aap sy ki Hind mai answer milaga to samajanay mai ashani hoga

[@yshah84]

All Category Room Covered In this Plan? For Eg. Suite & above?

[@GurleenKaurTikku]

Yes, no restriction on room category

[@itzbhaskar]

How to add consumables in said plan or it's inbuilt.what extra premium I have to pay at the age of 45 yrs

[@GurleenKaurTikku]

For adding cover of non- payable items, you will have to opt for a rider which will be as follows: For Sum assured 5 lacs - 10% of the base premium For Sum assured 5 lacs and above - 7.5% of the base premium

[@itzbhaskar]

@@GurleenKaurTikku But as per my findings at present only max bupa and care health are giving such riders with specific name but no such clearance in case of hdfc and star. How we will add rider during online payment without any specific name as in above two companies.please clarify...

[@hypotheticals4655]

What is the co payment percentage for hdfc optima restore...for cash less admission

[@GurleenKaurTikku]

No co-payment

[@mohdibrahim80]

Mam Mera hdfc restore optima ka 10 lack ka insurance hai ,kya mujhay 100 percent cashless treatment milayga yeh fir mujhay kuch amount meri pocket mei se bhi dena hoga

[@GurleenKaurTikku]

Sir, There are some non payable , consumables that are not paid. You can opt for protector rider in HDFC restore policy to cover those.

[@sumanpatra2009]

How to convert individual to family floaters.?

[@GurleenKaurTikku]

You can email to the company and can be done at the time of renewal.

[@santoshkiranvarada7119]

Can you share details about rider options available

[@GurleenKaurTikku]

You can get in touch with our team at 9650706699 or 9810458605 on whatsapp.

[@aneelyarnamolu4111]

Can maternity cover in Hdfc ergo optima restrore, family floater ?

[@GurleenKaurTikku]

Maternity cover is not available in HDFC ergo optima restore policy

[@arunbhati2823]

Mene 10 lac ki policy li but usme day care ki suvida nhi hai kya kre

[@GurleenKaurTikku]

Day care is covered, depends aap kis treatment ke liye ja rahe hain If it is less than 24 hours, treatment/surgery should be there as per policy terms and conditions. Getting admitted only for investigation and evaluation will not be covered

[@Neha-hg7ky]

In this policy maternity is covered or not ?

[@GurleenKaurTikku]

Not covered

[@rohitsoni5075]

mam meri age 27 years merko kon si health insurance leni chaye 5-10 lakh takh mein

[@GurleenKaurTikku]

Hello jee, please get in touch with us at 9650706699 on WhatsApp/Call or you can fill this form hareepatti.com/contact-us/

[@kishanprajapat310]

Madem namste, meri age 40 year ki he ,mere do child he , wife he ,to aap ke hisab se konsa health insurance lena chahiye , lene ke bad Pashtana nahi pade, please

[@GurleenKaurTikku]

Kishan jee, please get in touch with us at 9650706699

[@Ankitsharma-vu9od]

hello mam my optime restore policy is 4 years old does maternity coverage covers in my policy ?? please confirm

[@rishikhushi8810]

No mam not covered

[@GurleenKaurTikku]

Maternity benefits are not covered in this policy

[@wjames092]

Mam is OPD covered? Means without hospitalisation only normal doctor visit me?

[@GurleenKaurTikku]

Not covered

[@wjames092]

@@GurleenKaurTikku ok thanks

[@prashantb4241]

Restore Sum will be available for same person and same disease?

[@GurleenKaurTikku]

Yes, it is available for same person for same illness.

[@hemantbhosale2080]

Delux room ले सकते हैं क्या

[@GurleenKaurTikku]

Yes

[@somya0009]

Mam i m confused b/w Optima Restore vs Health Suraksha vs Koti suraksha, all from HDFC

[@syedabdulqadir4754]

Yes mam. I too have the same confusion. Pls clarify.

[@GurleenKaurTikku]

I will try and make a detailed video.

[@GurleenKaurTikku]

I will try and make a detailed video