🏥 HDFC ERGO Optima Restore & Secure – A Comprehensive Health Insurance Plan for Working Individuals and Families (2025)
✅ Introduction
In an age where medical expenses can skyrocket overnight, having a reliable health insurance policy is no longer optional—it’s essential. Among the top-performing plans in India this year, HDFC ERGO’s Optima Restore and Optima Secure stand out for their unique restoration benefits, wide coverage, and affordability.
These plans are tailored for both salaried professionals and families who seek robust financial security in the face of unexpected medical emergencies.
🔍 Core Features of HDFC ERGO Optima Plans
💡 1. Automatic Sum Insured Refill
Both plans offer a 100% automatic restore of the insured amount once it is exhausted due to a claim. This ensures you’re always covered—even after a major medical event.
💡 2. Freedom to Choose Room Type
There are no caps on room rent, so you can avail of treatment in a private or deluxe room without worrying about out-of-pocket costs.
💡 3. Pre and Post-Hospital Care
- Expenses incurred 60 days before hospitalization and 180 days after discharge are included.
- This covers diagnostic tests, consultations, medications, and follow-up treatments.
💡 4. Extensive Daycare Procedure Coverage
Both plans include 500+ daycare procedures, such as cataract surgeries, dialysis, and chemotherapy.
💡 5. Preventive Health Benefits
Free annual health checks and rewards for maintaining wellness goals make these plans health-focused and preventive by design.
💡 6. Lifelong Coverage
Once enrolled, the policy can be renewed for life, regardless of age or previous claims.
🧩 Optima Restore vs Optima Secure – A Quick Comparison
| Feature | Optima Restore | Optima Secure |
|---|---|---|
| Sum Insured Options | ₹3 Lakhs to ₹50 Lakhs | ₹5 Lakhs to ₹2 Crores |
| Restore Feature | Once per policy year | Unlimited |
| Secure Benefit | Not available | Extra 100% cover from day one |
| Bonus for No Claims | 50% yearly bonus | Double sum insured over time |
| Premium | Lower | Slightly higher |
👉 Choose Optima Restore if you want a budget-friendly plan. Opt for Optima Secure if you want broader coverage and top-tier protection.
👨👩👧👦 Who Should Consider These Plans?
- Salaried employees: Perfect as a personal cover or supplement to corporate health insurance.
- Families: Offers a family floater option that protects your spouse, children, and dependent parents.
- City Dwellers: With access to 12,000+ hospitals for cashless treatment, you’re covered across India.
The company’s Claim Settlement Ratio (CSR) of over 99% assures policyholders of reliable support in critical times.
💰 Premium Snapshot
Here’s an estimate for a 30-year-old male living in an urban area, seeking ₹10 lakh coverage:
| Plan | Approx. Monthly Premium |
|---|---|
| Optima Restore | ₹780 – ₹1,200 |
| Optima Secure | ₹950 – ₹1,500 |
(Premiums vary depending on age, city, and medical history.)
📑 What the Policy Covers
✔ In-patient hospitalization
✔ ICU and operation theater charges
✔ Organ donor procedures
✔ Daycare surgeries
✔ AYUSH (Ayurveda, Homeopathy, etc.)
✔ Domiciliary care (home treatment)
✔ Ambulance charges
❌ What’s Not Covered
- Pre-existing illnesses (covered after 3 continuous years)
- Cosmetic surgeries
- Infertility and maternity (unless rider is taken)
- Dental and vision aids
- Injuries from drug/alcohol abuse or war
📋 Basic Eligibility
- Entry Age: From 91 days (children) to 65 years (adults)
- Renewability: Lifetime
- Floater Option: Available
- Medical Test: May be required above certain age or sum insured
🙋♀️ Frequently Asked Questions (FAQs)
1. Is HDFC ERGO a trusted insurance company?
Yes. With a claim settlement ratio of over 99% and a strong customer support system, it’s one of India’s most dependable insurers.
2. What is the automatic restore benefit?
If you use up the entire insured amount during a policy year, it is automatically restored once, without additional payment.
3. Can I buy this policy online?
Yes. It’s available directly from HDFC ERGO’s website and leading insurance platforms.
4. Does this plan cover maternity costs?
Maternity benefits are not part of the base policy but can be added through optional riders.
5. Is COVID-19 treatment included?
Yes. Coverage includes hospitalization due to COVID-19 and other contagious diseases as per current guidelines.
6. How can I find network hospitals?
You can search for empanelled hospitals on HDFC ERGO’s website or mobile app for your city.
7. Are there benefits for staying fit?
Yes. Wellness programs reward you for maintaining a healthy lifestyle with potential discounts or perks.
8. When do pre-existing conditions get covered?
These are generally covered after 36 months of continuous policy renewal.
9. Can I increase my sum insured later?
Yes, this can be done at renewal or during major life events, such as marriage or childbirth.
10. What documents are needed for a claim?
- Discharge summary
- Final hospital bill
- Medical prescriptions
- ID proof
- Policy number
🎯 Conclusion
Whether you’re just starting your career or managing a family, HDFC ERGO’s Optima Restore and Secure offer tailored coverage to suit your health and financial needs. With high flexibility, excellent hospital access, and a stellar track record of claim processing, this plan ranks among India’s top health policies for 2025.
If you’re seeking peace of mind and dependable protection, this is one plan you should seriously consider.
