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HDFC ERGO · HDFHLIP26055V102526

HDFC ERGO Optima Restore

HDFC ERGO Optima Restore (IRDAI UIN HDFHLIP26055V102526) is an individual and family floater health insurance plan with sum insured from 3 lakh to 1 crore (8 options). Pre-existing diseases are covered after 3 years.

Premiums depend on age, cover, city, health and the options you choose. Where the insurer published a premium, the figure shown is for the exact profile stated next to it; your premium will differ. Comparezi does not sell insurance or give advice: check the insurer's prospectus and policy wording, which prevail.

In short

HDFC ERGO Optima Restore is a health insurance plan from HDFC ERGO. Key specifications: plan type Individual and family floater, room rent No sub-limit on room rent, pre-existing disease waiting 36 months. Among health insurance here it fits best for longer pre- and post-hospital cover.

Sample premium ₹19,589 a year*

*For: Individual, age 30, Basic Sum Insured Rs 10,00,000, Tier 1 (Delhi, Surat, Gurugram, Faridabad, Ghaziabad, Greater Noida), 1-year, 'Gross Premium Tables (Exclusive of Taxes)', no optional covers. Your premium will differ.

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Plan type
Individual and family floater
Room rent
No sub-limit on room rent
Pre-existing disease waiting
36 months
Sample annual premium
₹19,589

Pros

  • No co-payment unless you choose one for a lower premium
  • No room-rent cap

Who should buy it

  • Best for Longer pre- and post-hospital cover · What matters most? (pick any) #10 of 53 health insurance for this

Full specifications

Cover

Plan type Individual and family floater
Sum insured options 3 lakh, 5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 1 crore
Highest sum insured 100 lakh
Entry age 91 days to 65 years
Room rent No sub-limit on room rent
Co-payment None (optional co-payment)

Waiting periods

Initial waiting period 30 days
Pre-existing disease waiting 36 months
Specific illness waiting 24 months

Benefits

Pre-hospitalisation 60 days
Post-hospitalisation 180 days
Day-care treatment Yes
AYUSH treatment Yes
Restore benefit Instant addition of 100% Basic Sum Insured on complete or partial utilization; restored only once in a Policy Year
No-claim bonus Multiplier Benefit: 50% of Base Sum Insured per renewal irrespective of claims, maximum 100% of Basic Sum Insured
Maternity Not covered
OPD Not covered

Premium

Sample annual premium ₹19,589
Sample premium is for Individual, age 30, Basic Sum Insured Rs 10,00,000, Tier 1 (Delhi, Surat, Gurugram, Faridabad, Ghaziabad, Greater Noida), 1-year, 'Gross Premium Tables (Exclusive of Taxes)', no optional covers

Insurer

Health incurred claim ratio (insurer) 84.85%
Claims figures for FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
Network hospitals (insurer) 16,000+
IRDAI UIN HDFHLIP26055V102526

About the Optima Restore

HDFC ERGO Optima Restore (IRDAI UIN HDFHLIP26055V102526) is an individual and family floater health insurance plan with sum insured from 3 lakh to 1 crore (8 options). Pre-existing diseases are covered after 3 years. It is one of 53 health insurance plans on Comparezi, from HDFC ERGO.

Information only. Comparezi does not sell insurance, does not give advice and is not paid by insurers. The policy wording issued by the insurer prevails over this summary.

Cover and limits

  • Plan type: Individual and family floater
  • Sum insured options: 3 lakh, 5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 1 crore
  • Entry age: 91 days to 65 years
  • Room rent: No sub-limit on room rent
  • Co-payment: None (optional co-payment)

Waiting periods

  • Initial waiting period: 30 days
  • Pre-existing diseases: 3 years
  • Specific illnesses: 2 years

Benefits

  • Pre-hospitalisation: 60 days
  • Post-hospitalisation: 180 days
  • Day-care treatment: Covered
  • AYUSH treatment: Covered
  • Restore benefit: Instant addition of 100% Basic Sum Insured on complete or partial utilization; restored only once in a Policy Year
  • No-claim bonus: Multiplier Benefit: 50% of Base Sum Insured per renewal irrespective of claims, maximum 100% of Basic Sum Insured
  • Maternity: Not covered
  • OPD: Not covered

How it compares on Comparezi

Of the 50 health insurance plans on Comparezi with a stated pre-existing disease waiting period, 9 have a shorter one and 40 have the same. Of the 49 health insurance plans on Comparezi with a stated post-hospitalisation period, none has a longer one and 21 have the same.

Premium

It depends on your age, cover, city and options. HDFC ERGO's own published premium table gives ₹19,589 a year for this profile: Individual, age 30, Basic Sum Insured Rs 10,00,000, Tier 1 (Delhi, Surat, Gurugram, Faridabad, Ghaziabad, Greater Noida), 1-year, 'Gross Premium Tables (Exclusive of Taxes)', no optional covers. Your premium will differ; get a quote from the insurer.

About the insurer

HDFC ERGO's health incurred claim ratio was 84.85% in FY 2024-25 (IRDAI Annual Report; includes personal accident). An incurred claim ratio compares claims with premiums earned; it is not the share of claims paid. HDFC ERGO states a network of 16,000+ hospitals.

Similar plans from other insurers

Other health insurance plans from HDFC ERGO

Sources

Checked 6 November 2026. Values the documents do not state are left out rather than estimated. See how Comparezi checks data.

Alternatives

Alternatives to the Optima Restore

All health insurance →
  • Individual and family floater Plan type
  • No limits; any room of choice; no ICU day/charge limits Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

Aditya Birla Health

Activ Fit

  • Individual and family floater Plan type
  • Any Room (SI Rs 5 lacs and above) Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

Care Health

Care Supreme

  • Individual and family floater Plan type
  • Up to SI Room rent
  • 36 months Pre-existing disease waiting
Sample premium ₹12,292 a year*
  • Individual and family floater Plan type
  • SI Rs 5-20 lakh: up to Deluxe room; SI Rs 25 lakh and above: any room Room rent
  • 36 months Pre-existing disease waiting
Sample premium ₹11,573 a year*

Similar cover

Similar health insurance plans

HDFC ERGO

Optima Secure

  • Individual and family floater Plan type
  • At Actuals Room rent
  • 36 months Pre-existing disease waiting
Sample premium ₹19,663 a year*

Head to head

Compare the Optima Restore

Questions

Optima Restore FAQs

It depends on your age, cover, city and options. HDFC ERGO's own published premium table gives ₹19,589 a year for this profile: Individual, age 30, Basic Sum Insured Rs 10,00,000, Tier 1 (Delhi, Surat, Gurugram, Faridabad, Ghaziabad, Greater Noida), 1-year, 'Gross Premium Tables (Exclusive of Taxes)', no optional covers. Your premium will differ; get a quote from the insurer.

HDFHLIP26055V102526. The UIN identifies the exact product version filed with IRDAI; check it on your policy documents.

3 years, as stated by the insurer.

Room rent as stated by the insurer: No sub-limit on room rent.

Co-payment as stated by the insurer: None (optional co-payment).

Maternity as stated by the insurer: Not covered.

60 days before and 180 days after hospitalisation.

3 lakh, 5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 1 crore.

Data sources

  • Manufacturer official pages

Last updated

Product details

Disclosure

Links to insurers are not paid. Comparezi earns only from labelled ads, which never affect the Comparezi Score, the order of insurers, or the price shown, which is what the insurer listed when we checked.

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