HDFC Ergo Optima Restore

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Your Input Details

Insured Member(s)

You

Age of eldest member

26-30

Your Input Details
Insuring You
Eldest Member Age: 26-30
Sum Insured: ₹ 5L

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Sum Insured

₹ 5L₹ 10L₹ 15L₹ 20L₹ 25L

Priced Moderate

HDFC Ergo Optima Restore

Product features80/100
Price51/100
Claims experience91/100

1 Finance Score:77/100

1 Finance Rank

Must-Look Features

Room RentNo sub-limits on room rent
No Claim Bonus (NCB)Max up to 100% of SI
Recharge of SI (RSI)Automatic restoration of 100% Base SI once in a policy year
Pre-Existing Diseases (PED)Covered after 3 years
Co-payment (Co-Pay)No Co-pay
Health and WellnessRewards for healthy behaviour

Claims Experience

Claim Settlement Ratio (CSR) - Number94.42%
Claim Settlement Ratio (CSR) -Amount84.82%
Incurred Claim Ratio (ICR)81% signifies high customer satisfaction based on premiums & claims
Ageing of Claim99.78%
Network Hospitals16000

Standard Features

Pre-hospitalisation60 days
Post-hospitalisation180 days
Daycare treatmentsCovered up to SI
Ambulance cover₹2,000 per hospitalisation
Domiciliary hospitalisationCovered up to SI
Organ donor coverCovered up to SI
Second opinionCovered
Daily allowance
₹800 per day, maximum up to ₹4,800 — (SI:₹3L and ₹15L) ₹1,000 per day, maximum up to ₹6,000 — (SI:₹20L and ₹50L)
AYUSH treatment-
Modern treatment methodsCovers advanced procedures like robotic surgeries, stem cell therapy, and oral chemotherapy

SI:Sum Insured

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About HDFC Ergo

HDFC ERGO, a collaboration between HDFC Ltd and ERGO International AG (Munich Re Group's main insurance arm), offers a range of insurance products. It's a 51:49 partnership, covering health, auto, travel, home, personal accident, and cyber insurance in the retail sector.

About HDFC Ergo

FOUNDED IN2002
CEORitesh Kumar
HEADQUARTERSMumbai, India
AUM₹22,214.33 Cr
GROSS WRITTEN PREMIUMS (GWP)₹18,801.07 Cr
COMBINED RATIO
Combined ratio assesses an insurance company's financial health by indicating the percentage of earned premiums used for claims and expenses.
A combined ratio below 100% means the company profits from underwriting, while a ratio above 100% implies it pays out more in claims and expenses than it collects in premiums.
112.14%