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Why Click 2 Protect Optima Restore?

A Term & Health Combo Plan that covers both your life and medical expenses

  • Provides comprehensive financial protection to your family 

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

  • Get treated on a cashless basis across 10,000 + network hospitals in India

  • Enjoy various add-on benefits like Restore Benefit, Multiplier Benefit, and Stay Active Benefit

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

  • Lorem ipsum dolor sit amet, consectetur adipiscing elit
  • Lorem ipsum dolor sit amet, consectetur adipiscing elit
  • Provides comprehensive financial protection to your family 

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

  • Get treated on a cashless basis across 10,000 + network hospitals in India

  • Enjoy various add-on benefits like Restore Benefit, Multiplier Benefit, and Stay Active Benefit

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

  • Lorem ipsum dolor sit amet, consectetur adipiscing elit
  • Lorem ipsum dolor sit amet, consectetur adipiscing elit

Right combination of protection and health

Your health benefits are given; you also get to choose your desired protection benefits

Health and Protection benefits in one plan

  • Protection Benefits
  • Health Benefits

Protection Benefits

Check Out The Eligibility Conditions

Before buying Click 2 Protect Optima Restore

ELIGIBILITY CRITERIA

Eligibility Criteria

Plan Option

Life & CI Rebalance

Life Protect

Income Plus

Health

Fixed Term

Whole Life

Fixed Term

Whole Life

Min Age at Entry

Min. Age at Entry

18 years

18 years

45 years

30 years

45 years

91 days

Max Age at Entry

Max. Age at Entry

65 years

65 years

65 years

50 years

10 Pay: 50 years

Single Pay, 5 Pay: 55 years

65 years

Min Policy Term

Min. Age at Maturity

28 years

18 years

Whole of Life

70 years

Whole of Life

1 year, 2 year or 3 year Period,

(sum insured & benefit will applicable on policy year basis)

Max Policy Term

Max. Age at Maturity

75 years

85 years

Whole of Life

85 years

Whole of Life

Premium Payment Mode

Min. Policy Term

10 years

Single Pay: 1 month

Regular Pay: 5 years

Limited Pay: 6 years

Whole of Life

70 years – Age at Entry

Whole of Life

Annual for 1 year policy period and single for 2/3 years policy period

Premium Payment Frequency

Max. Policy Term

30 years

85 years – Age at Entry

Whole of Life

40 years

Whole of Life

Min Age at Maturity

Premium Payment Term

Single Pay, Regular Pay, Limited Pay (5 to any PPT less than PT)

Limited Pay (5, 10, 15 pay)

Single Pay, Limited Pay (5, 10 pay)

Life Long on continuous Renewals

Max Age at Maturity

Min. Basic Sum Assured

INR 20,00,000

INR 50,000

Minimum Basic Sum Assured

Max. Basic Sum Assured

No limit, subject to Board Approved Underwriting Policy (BAUP)

₹ 3 Lakh/₹ 5 Lakh/₹10 Lakh/ ₹ 15 Lakh/₹ 20 Lakh/ ₹ 25 Lakh/ ₹ 50 Lakh/ ₹ 100 Lakh

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HDFC ERGO General Insurance Company Limited. CIN: U66030MH2007PLC177117. IRDAI Reg. No.146. Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Email id: [email protected], Customer Care: 0120 6234 6234 / 022 6234 6234. For more details on the risk factors, terms and conditions, please read the sales brochure/ prospectus before concluding the sale. www.hdfcergo.com.

Click 2 Protect Optima Restore (UIN: 101Y121V02) is a Combi Product with both protection and health benefits. The risks of this product are distinct and are accepted by respective Companies. This version of the product brochure invalidates all previous printed versions for this particular plan. This product brochure is indicative of the terms, warranties, conditions and exclusions contained in the insurance policy. Please know the associated risk and applicable charges from your insurance agent or the intermediary or the policy document of the insurer.

T&C*

  1. For Policies purchased through online channel, a discount of 5.5% on premiums paid towards both Life & Health will be offered as compared to the individual policy purchased under Life & Health. For Policies purchased through other than online channel, a discount of 5% on premiums paid towards Life & Health will be offered as compared to the individual policy purchased under Life & Health. At any time during the validity of the policy, the Customer decides to opt out of the insurance coverage of one of the Insurer, the discount, if any, being offered to such Customer under the Combi-Product(s) shall not be available to the Customer going forward.
  2. Applicable only for health plan.
  3. As per Income Tax Act, 1961. Tax benefits are subject to changes in tax laws.

ARN: PP/10/22/30022