Click 2 Protect Optima Restore

Provides comprehensive financial protection to your family 

Option to choose a cover which fits your needs from 3 plan options

Auto balances Death and Critical Illness benefits with increasing age^

Get income payouts from age 60 onwards under Income Plus Option

Option to avail cover for Whole of Life*

Get back all premiums paid on survival till maturity with Return of Premium option**

Waiver of Premium on diagnosis of Critical Illness (through WOP CI option) #

Additional Sum Assured on Accidental Death (through ADB option) #

Special premium rates for female lives and non-tobacco users

Life & CI Rebalance & Life Protect:

On survival until Maturity, Sum Assured on Maturity will be payable.

Sum Assured on Maturity will be equal to the Total Premiums Paid if ROP benefit is selected, Nil otherwise.

Upon the payment of death or maturity benefit as above, the policy terminates and no further benefits are payable.

Income Plus:

For Fixed Term:

On Survival until Maturity, Sum Assured on Maturity will be payable.

Sum Assured on Maturity will be equal to Max (110% of Total Premiums Paid less total Survival Benefits paid out, 0)

For Whole Life: NIL

Life & CI Rebalance:

“Death Benefit” is payable as a lump sum to your Nominee if you, the Life Assured die during the policy term. It is the highest of:

• Sum Assured on Death

• 105% of Total Premiums Paid

• Life Cover SA

Sum Assured on Death for Single Pay (SP) is the higher of:

• 125% of Single Premium

• Sum Assured on Maturity

Sum Assured on Death for other than Single Pay (Limited Pay and Regular Pay) is the higher of:

• 10 times of the Annualized Premium

• Sum Assured on Maturity

Life Protect & Income Plus:

“Death Benefit” is payable as a lump sum to your Nominee if you, the Life Assured die during the policy term. It is the higher of:

• Sum Assured on Death

• 105% of Total Premiums Paid

Sum Assured on Death for Single Pay (SP) is the highest of:

• 125% of Single Premium

• Sum Assured on Maturity

• Basic Sum Assured

Sum Assured on Death for other than Single Pay (Limited Pay and Regular Pay) is the highest of:

• 10 times of the Annualized Premium

• Sum Assured on Maturity

• Basic Sum Assured

Restore Benefit¹- Instant addition of 100% Basic Sum Insured on complete or partial utilization of your existing Policy Sum Insured and Multiplier Benefit (if applicable) during the policy term.

Multiplier benefit–

• Increase basic sum insured by 50% for every claim free year.
• Upto 100% of basic sum insured.

The other benefits² available for you are in-patient treatment, pre-hospitalization, post-hospitalization, day care procedures, domiciliary treatment, organ donor, ambulance cover, emergency air ambulance cover, daily cash for choosing shared accommodation, critical advantage rider and E-Opinion in respect of a Critical Illness.

Unlimited Restore Benefit (Optional benefit) :

• This optional cover will be provide instant addition of 100% Basic Sum Insured on complete or partial utilization of Your Restore benefit or Unlimited Restore benefit (as applicable) during the Policy Year.  This optional cover will trigger unlimited times and is available for all subsequent claims in a Policy Year.

Lifelong renewal- Lifelong coverage on continuous renewal and stay covered as long as you live.

Get treated on a cashless basis across 10,000+ network hospitals Pan India.

Quick turnaround time- 90% of claim pre-authorization is done within 2 hours.

We will never load your renewal premium because you claimed or fell ill after taking our policy.

Policy off­ers you easy portability/migration, so that if you are insured under other insurer’s health insurance policy you can transfer to HDFC ERGO Health with all your accrued benefits after due allowances for waiting periods and enjoy all unbelievable benefits of the policy.

Insured has an option to port to any other health insurance plan off­ered by other insurer as per portability guidelines. 

Portability/migration section is applicable for Health section only and not applicable for Protection section.