100% Restore Benefit
The base sum insured is restored after a claim — once every policy year, for as long as you renew.
HDFC ERGO Optima Restore — Plan Details, Benefits & How to Buy in Assam
HDFC ERGO Optima Restore restores 100% of your base sum insured after a claim and adds 50% more cover every year at renewal — whatever the claims — with no sub-limit on room rent. Here are the details from HDFC ERGO's official website, in plain words — and how we help you buy, port or claim in Guwahati and across Assam.
100%Claim SupportWe guide you every step
10 minPolicy IssuanceDigital policy in minutes
10+Years of ExperienceServing Assam since day one
24/7Emergency SupportCall us anytime
At a Glance
HDFC ERGO Optima Restore at a Glance
HDFC ERGO · Family health insurance
| Feature | Details |
|---|---|
| Sum insured | ₹5 lakh to ₹2 crore |
| Room rent | No sub-limit |
| Pre & post hospitalisation | 60 days before and 180 days after |
| Renewal | Continues after age 65 |
| Waiting periods | Some illnesses and treatments covered after 24 months; others as per the policy wording — we confirm them |
From HDFC ERGO's official website (October 2026). Features and premiums change — we confirm the current details for your age and city before you buy.
Key Benefits
Key Benefits of HDFC ERGO Optima Restore
2X Multiplier
50% of the base sum insured added at renewal, up to 100%, regardless of claims.
Free Health Check-Up
Preventive health check-up worth up to ₹10,000 at renewal.
Daily Hospital Cash
Up to ₹1,000 a day, up to ₹6,000 per hospitalisation.
Also included / available: unlimited day-care procedures; cashless treatment at network hospitals.
Is It Right for You?
Who HDFC ERGO Optima Restore Suits — and What to Check
Our honest view, so you buy with open eyes:
Good for
- Families who want cover to grow even after claims
- People who want no room rent limit
- Anyone who wants restore + cash for small out-of-pocket costs
Check before you buy
- Compare with Optima Secure, which doubles cover from day one
- Waiting periods — we confirm the current wording
- Restore works once per policy year
Compare
Compare HDFC ERGO Optima Restore With Similar Plans
We never sell just one plan. We put HDFC ERGO Optima Restore side by side with plans like these and show you the difference for your family:
Optima Secure
HDFC ERGO — comprehensive health insurance (individual or floater).
Optima SecureCare Supreme
Care Health — comprehensive health insurance (individual or floater).
Care SupremeAll Health Plans
Compare popular plans in Assam.
All Health PlansHow to Choose
8 things to check before you buy.
How to ChooseBuy, Port or Claim
Buy or Port to HDFC ERGO Optima Restore in Guwahati & Assam
No office visit — on a phone call or WhatsApp, for families in Guwahati, Dibrugarh, Jorhat, Tinsukia, Sivasagar, Shillong, Itanagar and anywhere in India.
- 1
Compare
We compare HDFC ERGO Optima Restore with other plans for your age, city and hospitals.
- 2
Buy or Port
We fill the proposal with you — or move your existing policy at renewal, with your waiting-period credit.
- 3
Claim Help
At claim time we help with cashless approval or reimbursement — in Assam or in Chennai, Hyderabad, Delhi, Mumbai or Bangalore.
FAQ
HDFC ERGO Optima Restore — Questions
After a claim that partly or fully uses your base sum insured, 100% of the base is restored — once every policy year, for as long as you keep renewing.
50% of the base sum insured from the expiring policy is added at renewal, regardless of claims, up to 100% (2X).
No — Optima Restore has no sub-limit on room rent.
Optima Secure doubles cover from day one and can reach 4X; Optima Restore restores cover after a claim and grows by 50% a year with daily hospital cash. We compare both for your family.
Yes. We arrange HDFC ERGO Optima Restore on call or WhatsApp, compare it with other plans first, and help you at claim time — no extra fees.
Get a HDFC ERGO Optima Restore Quote
Call or WhatsApp us — we compare HDFC ERGO Optima Restore with other plans for your family, free.