HDFC ERGO Optima Restore: what the policy wording covers
Optima Restore (UIN HDFHLIP26055V102526) has no room-rent or ICU limit and no co-payment in the base plan. It pays 60 days before and 180 days after a hospital stay. The Multiplier Benefit adds 50% of the base sum insured at each renewal, up to 100%, irrespective of claims, and Restore adds 100% of the base sum insured once a year. Road ambulance is capped at ₹2,000. Pre-existing diseases wait 36 months.
Key limits
| Item | What the wording says |
|---|
| Hospital room and ICU | No limit stated. |
|---|
| Road ambulance | ₹2,000 per hospitalisation. |
|---|
| Air ambulance | Up to ₹2.5 lakh per hospitalisation, in India. |
|---|
| Before and after a hospital stay | 60 days and 180 days. |
|---|
| Modern treatments | The wording has no separate clause and no exclusion, so they are paid like any in-patient treatment. |
|---|
Multiplier and Restore
- Multiplier Benefit: 50% of the base sum insured added at each renewal, irrespective of claims, up to 100%.
- Restore Benefit: 100% of the base sum insured added once a year after full or partial use, available to everyone on a family floater. Unlimited Restore is an add-on.
- One claim cannot be larger than the base sum insured plus the Multiplier Benefit.
Waiting periods
| Waiting period | What the wording says |
|---|
| Any illness after you first buy | 30 days. Accidents are covered from day 1. |
|---|
| Pre-existing diseases | 36 months. |
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| Listed illnesses and surgeries | 24 months. |
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Add-ons
- Parenthood: maternity, embryo storage and IVF.
- Protector Rider: pays for items a hospital bill normally leaves out.
- Critical Advantage: planned treatment abroad for 8 major illnesses.
- Unlimited Restore, co-payment or deductible options, and others.
Frequently asked questions
Does Optima Restore have a room-rent limit?
No. The wording sets no limit on room or ICU charges.
How does the Restore benefit work in Optima Restore?
Once a year, after a claim uses up all or part of your cover, 100% of the base sum insured is added for later claims that year.
Does a claim stop the Multiplier Benefit?
No. It adds 50% of the base sum insured at each renewal irrespective of claims, up to 100%.
Can I add a super top-up to Optima Restore?
Yes, a super top-up is a separate policy that pays above a deductible. The Optima Restore wording does not restrict it. Check that the top-up's deductible matches your Optima Restore sum insured.
Compare these plans clause by clause
Where this comes from
- HDFC ERGO Optima Restore policy wording, UIN HDFHLIP26055V102526. Clauses Section B in-patient, Restore Benefit, Multiplier Benefit (4), Excl01, Excl02, riders list.
Checked against the wording on 2026-10-09.
Terms on this page, explained
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