Useful Information

HDFC Health

TPA Information

Optima Restore Floater


First of a kind Optima Restore plan offers a unique Restore benefit that automatically reinstates the floater sum insured in case you exhaust it in a policy year.


  • Restoration of the entire Sum Insured if used in the middle of the year at no additional cost
  • No claim bonus increases the insurance cover by 50% for one claim free year and then 100% for the consecutive claim free year
  • No sub-limits on hospital room rent or co-pay required
  • No loading on renewal premiums if a claim is made
  • Free Health Check up after every 2 Years
  • Daily Cash benefit to support Miscellaneous expenses
  • Family discount of 10% is available
  • Up to 10% discount at Apollo pharmacies
  • Get 7.5% discount by opting for two years policy
  • Life long policy renewal is available
  • An E-opinion is also provided, from our empanelled Doctors in respect of a Critical illness
  • Healthline service is also available free of cost which includes primary consultation, health related counseling, Nutrition and Diet
  • Free Health Risk Assessment which helps to profile your health status and provide recommendations on nutrition, diet and lifestyle
  • Tax rebate available as per provision of Income Tax Rules under section 80-D


Room Rent Limit
No Limit
Pre-Hospitalization Expenses
60 days
Post Hospitalization Expenses
180 days
Minimum Hospitalization Period
24 Hrs
Day Care Procedure Coverage
All procedures covered.
Automatic Restoration of Sum Insured
Yes,100% of S.I
Pre-Existing Disease / Illness coverage
After 36 months, 24 months for specific diseases
Waiting Period for New Policy
30 days
Free Health Checkup
For SI 3 Lakh NA, For SI 5 Lakh Rs 1500, For SI 10 Lakh Rs 2000, For SI 15Lakh Rs 4000, For SI 20 Lakh, 25 Lakh, 50 Lakh Rs 5000
Ambulance Expenses
Up to 2000
Daily Hospitalization Allowance
Donor Expenses
No Claim Bonus
Up to 50% of basic sum insured, Max 100%