Does The Maternity Coverage Of Apollo Munich Optima Restore?

Optima Restore is a unique health insurance plan that restores your sum insured on partial or complete utilization of your health cover for future needs. It offers a 2X multiplier benefit, allowing a 50 increase in the basic sum insured for every claim. This policy can be taken for self, spouse, dependent children, and dependent parents and covers all basic hospitalization expenses with the benefit of restoring the initial sum insured.

The HDFC ERGO Optima Restore Plan does not cover maternity expenses, which is generally not covered under most health insurance plans. However, it offers benefits like lifelong renewal, no sub-limits, maternity, portability, restore, and multiplier benefits. The first over-the-counter Dengue Care product for Apollo Munich is also available.

Eligibility for the policy is based on the minimum age of 18 years and the maximum age of 65 years. The plan includes dependent children from the 91st day of their birth, if parents are covered under this plan. A maximum of 6 members can be added in a single policy, whether on an individual or family floater basis.

The Optima Restore plan covers all insured persons up to the Sum Insured. However, it does not cover maternity expenses incurred both before and after child birth procedures.

Although the Optima Restore plan offers coverage for the entire family in the range of Rs., it does not cover maternity health checkups, AYUSH Cover, OPD War-related Injuries, Cosmetic Surgery, Lasik Eye Treatment, Damage while driving under the policy.

Is maternity covered in HDFC Ergo Optima Restore?

HDFC ERGO health insurance provides coverage for a range of maternity-related expenses, including delivery, legal medical termination, pre-natal care, and post-natal care.

What is 2X coverage from day 1?

Optima Secure offers a unique Secure Benefit that doubles the insurance cover you buy instantly and automatically, without the need to activate or claim it. This means that a 10 lakhs insurance cover can be doubled to 20 lakhs instantly upon paying the premium. Additionally, the Plus Benefit increases the base cover automatically by 50 after 1 year and 100 after 2 years, irrespective of any claims made. This eliminates the need to worry about earning a full No Claim Bonus or reduced bonus in case of a claim.

What is Protector Rider in Optima Restore?

In accordance with the terms of the Protector Rider policy, the company is entitled to recover and deduct any outstanding installments from the claim amount. The premium payment mode may remain consistent with that of the base plan or alternatively, a lump sum payment may be made.

What is unlimited restore optional benefit?

The supplementary insurance policy provides an immediate increase of 100 basic insured amounts in the event that the insured party makes use of either the full or partial benefits of the Sum Insured Rebound or Restore policy during the course of the insurance year.

What is the minimum waiting period for pregnancy coverage?

The maternity coverage waiting period, which typically lasts between nine months and six years, refers to the period between the conclusion of the initial waiting period and the commencement of coverage for maternity expenses.

What is the no claim bonus in Optima Restore?

The HDFC Ergo Optima Restore Plan provides a No-Claim Bonus, which is a reward for not making any claims in a policy year. The bonus is 50 of the sum insured, with a maximum of 100. The data for health insurance was last updated in July 2024 and was sourced from various sources. The Claims Settlement Ratio data is calculated from NL-37 insurer public disclosures, while claim complaints and policy purchase complaints data is from NL-45 insurer public disclosures.

Does Optima Restore cover consumables?

The HDFC Ergo Optima Restore Plan offers comprehensive coverage tailored to meet the unique medical needs of individuals and families. The plan offers various coverage options, including Rs 3 lakhs, Rs 5 lakhs, Rs 10 lakhs, Rs 15 lakhs, Rs 20 lakhs, Rs 25 lakhs, and Rs 50 lakhs. With a lifelong renewal feature, the plan ensures protection and offers exceptional discounts and benefits. The minimum age of entry is 91 days, and children aged 91 days and five years can be insured as long as either parent is insured under the same policy. The maximum age of entry is 65 years. The policy provides assurance that your and your family’s health is in good hands.

What pregnancy items are covered by insurance?

The insurance plan provides coverage for a range of reproductive health services, including birth control pills, prenatal classes, HIV counseling, HIV screening, genetic testing for Down syndrome, gestational diabetes testing, and maternal compression garments. Nevertheless, JavaScript is either disabled or blocked by extensions, and your browser does not support cookies.

Which is better, Optima Secure or Restore?

HDFC ERGO Optima Secure and HDFC ERGO Optima Restore are health insurance plans that offer comprehensive coverage, allowing policyholders to multiply coverage amounts by 4x in two years with the Secure and Plus benefits. The 30-minute claim support service is provided to provide reasonable assistance to policyholders in pursuing claims, with insurers responsible for settlements according to policy terms and conditions. The 24-hour claim support is subject to the insurer’s operations not being impacted by system failures, force majeure events, or reasons beyond their control.

Product information is authentic and based on information received from the insurer, and policybazaar acts as a facilitator, and claims settlement is at the insurer’s discretion. Policybazaar does not provide medical or surgical advice or diagnosis and is not responsible for interactions with medical practitioners or hospitals. Information obtained from Policybazaar and its employees is for informational purposes only.

Health insurance plans cover hospitalization expenses, including COVID-19 treatment, up to specified limits. Specific COVID-19 health insurance policies, such as the Corona Kavach Policy and Corona Rakshak policy, are available for purchase.

What is the grace period for Optima Restore policy?

The policy provides a grace period of 30 days for renewal. Furthermore, any claims incurred during the break-in period will not be covered under this policy.