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HDFC ERGO Optima Restore Health Insurance User Reviews

526 reviews Rate This
HDFC ERGO
Highlights
Cashless Approval TATWithin 37 mins
Claim Settlement Ratio99.80%
Network Hospitals13,000+
PED Coverage Starting From3 year
Special Benefits2X Cover from Day 1
Starting Premium Rs. 1090/month

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Rating of Optima Restore
4.9
Based on
23 User reviews

  • Cover for hospitalization expenses

    Last week I bought the HDFC ERGO- Optima Restore at InsuranceDekho and I must say that the policy covers me for many healthcare expenses that I wanted. It is an indemnity-based short-term policy and I suggest everyone be covered under this policy at least during the current pandemic times.

    R
    Riya Sen
    On: Aug 23, 2023

  • Amazing policy coverage benefits

    My HDFC ERGO- Optima Restore is an amazing one that covers me for several healthcare expenses. I bought the policy at InsuranceDekho by following a few easy steps online. I like the policy benefits and will recommend it to others too. 

    R
    Rama Dhar
    On: Aug 10, 2023

  • Best Plan

    The best health plan as for as now in the industry.

    N
    Naveen Kumar Vanamala
    On: Mar 24, 2021

  • Authentic policy overviews

    InsuranceDekho is my go-to place whenever I am in need of any insurance-related services. I have faith in this portal because each piece of information available on the website is authentic. I checked the claim settlement ratios and the number of network hospitals before buying HDFC Ergo General Insurance’s Optima Restore plan.

    P
    Pramit Saha
    On: Feb 26, 2021

  • Genuine policy descriptions

    I checked HDFC Ergo General Insurance’s Optima Restore plan description from InsuranceDekho. I was impressed with the genuine policy description that involved key inclusion and exclusions of the plan, claim settlement ratio of the insurance company, network hospital availability and so on.

    P
    Parikshit Pandey
    On: Feb 24, 2021
    • Must BuyMust Buy

    Why to Buy Health Insurance Policy Online from InsuranceDekho

    • Tax benefit upto 75,000*
    • Claim support everyday 10AM-7PM
    • 80 Lacs+ happy customers

  • Accessible through Whatsapp

    I used the Whatsapp number given on the Website of InsuranceDekho requesting a policy brochure for HDFC Ergo General Insurance’s Optima Restore health plan. I received a reply with a downloadable policy brochure file instantly. Having a policy brochure on my mobile is convenient.

    R
    Rima Paul
    On: Feb 23, 2021

  • Premium calculator is useful

    I used the online premium calculator of InsuranceDekho to calculate the total premium amount for my HDFC Ergo General Insurance’s Optima Restore plan. It was a time and energy saver for me. Never knew premium calculation could be this easy. Really useful tool!

    T
    Trina Samanta
    On: Feb 18, 2021

  • Wide budget range

    The health insurance plans available on InsuranceDekho are within a wide budget range. I got plenty of options within my budget. I selected HDFC Ergo General Insurance’s Optima Restore plan which is completely within my budget with remarkable benefits.

    R
    Rishabh Pramanik
    On: Feb 15, 2021

  • Got to know about cashless mediclaim

    I landed on InsuranceDekho and learned how stress-free a cashless mediclaim is. With this type of mediclaim, I do not have to wait for the reimbursement, plus I could avail additional benefits. I went ahead and purchased HDFC Ergo General Insurance’s Optima Restore.

    T
    Tamal Arora
    On: Feb 11, 2021

  • Numerous health insurance companies

    Numerous health insurance companies are listed on the website of InsuranceDekho. The variety of plans include individual insurance plans to group insurance, maternity-specific plans, critical illness covered plan and so on. I selected HDFC Ergo General Insurance’s Optima Restore plan.

    S
    Saswati Samanta
    On: Feb 02, 2021

9552 HDFC ERGO Cashless Network Hospitals in India

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FAQs

  • What are the types of plans offered by HDFC Ergo?

    HDFC Ergo best health insurance plans involve individual health insurance plans, family health insurance plans, parents health insurance plans, senior citizen health insurance plans, critical illness insurance plans, and a super top-up insurance plan.

  • Why should I buy health insurance by HDFC Ergo?

    HDFC Ergo helps its customers ‘Take it easy. Experience the convenience.' To ensure the same, the company offers HDFC Ergo best health insurance plans that are specifically designed keeping the diverse health insurance needs of customers in mind. Moreover, HDFC health insurance policy offers benefits such as pre and post hospitalisation coverage, cashless claims, no sub-limits, tax benefits, day care procedures, domiciliary medical treatment, and others.

  • How to apply for and buy health insurance plans offered by HDFC Ergo?

    You can apply for and buy HDFC Medical Insurance plans online through the HDFC Ergo website www.hdfcergo.com or through www.insurancedekho.com. Remember, you can make use of net banking, debit card, or credit card to pay the premium of HDFC health insurance policy as the company allows flexible payment modes. 

  • Is there a limitation on the entry age for buying HDFC medical insurance plans?

    The entry age for children is 91 days. However, there is no maximum entry age for adults to buy HDFC Ergo health insurance plans.

  • What is the customer care number of HDFC Ergo?

    The customer care number for HDFC Ergo is 022 6234 6234.

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Claim Process at HDFC ERGO Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

HDFC ERGO Health Insurance Contact Details

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