HDFC Ergo
Optima Restore
Plan & insurer snapshot
✅ Claims (No.)
95.19%
Latest disclosed settlement ratio by number of claims.
❌ Rejection Ratio
2.47%
Lower is generally better for policyholders.
🏥 Cashless Hospitals
15,000+
Reported size of network hospitals.
💬 Complaints
0.15%
Complaint incidence on claims experience.
✨ Expert Verdict
Optima Restore is a health insurance plan from HDFC Ergo. Review policy wording and add-on details before final purchase.
Pros
- No room rent cap for standard hospitalization.Standout
- Refill benefit available (Unlimited times in a policy year (Add-on)).
- Day-care procedures are included in coverage.
Cons
- Policy terms and add-ons should be reviewed before purchase.
Key Features
Room Rent
No limit
Co-Pay
Not specified
Disease Sub-limit
Not specified
Pre-Hospitalisation
60 days (Covered up to: sum insured)
Post-Hospitalisation
180 days (Covered up to: sum insured)
Refill Trigger
Partial exhaustion of Sum Insured
Waiting Periods
Initial Waiting Period
30
Specific Disease Waiting
2
Pre-existing Disease Waiting
3