HDFC ERGO Optima Restore Vs Star Family Health Optima Plan

HDFC ERGO Optima Restore Vs Star Family Health Optima Plan

Selecting the best health insurance strategy is crucial for protecting your family’s health.

Sedentary lifestyles have made people more susceptible to health problems, and the price of medical care is skyrocketing. This makes it necessary for you to select a comprehensive and cheap plan that aids in covering the hospital expenses for the complete family.

Let’s discuss two major plans, namely HDFC ERGO Optima Restore Family Health Plan and Star Family Health Optima Plan, in detail.

What Is HDFC ERGO Optima Restore Family Health Plan?

Since its launch, HDFC ERGO’s Optima Restore family health Policy is a unique health plan that restores your sum insured on partial or complete utilization of your health cover, for your future needs. It offers two variations, Optima Restore Individual and Optima Restore Family, which provide complete health coverage for you and your family. Restore benefit and 2X Multiplier benefit are HDFC ERGO health insurance optima restore two distinctive benefits.

After the initial claim, the HDFC ERGO Optima Restore Benefit enables a 100% restoration of your coverage. Your SI amount will increase by 100% thanks to the multiplier advantage in two claim-free years. Renewal savings, recuperation benefits, organ donor coverage, etc. are some of the other significant coverage advantages offered by HDFC ERGO Health Optima Restore.

Key Features & Benefits of the HDFC Ergo Optima Restore Family Health Plan

Listed below are the features and benefits of the HDFC ERGO Optima Restore family health Plan.

  1. 100% Restore Benefit

One of the biggest benefits of considering the HDFC ERGO Optima Restore family health Plan is that the policyholder will get 100% of your basic Sum Insured returned right away. Also, the Optima Restore is a special health plan that returns your sum insured for your future requirements upon partial or full utilization of your health coverage.

  1. Complimentary Health Check-Up

Another major reason to consider the HDFC ERGO Optima Restore family health Plan is that you will get Regular physical examinations that will help you keep tabs on your health and aid in the early detection of diseases. When renewing, take advantage of preventive health examinations worth up to Rs. 10,000 with Optima Restore.

  1. Daily Hospital Cash

Concerned about potential out-of-pocket hospital costs? When choosing shared housing in a network hospital with Optima Restore, you can get daily cash of up to Rs. 1,000 and a maximum of Rs. 6,000 per hospitalization.

  1. Continuous Renewals

Unlike other plans available on the market, the HDFC ERGO Optima Restore family health Plan allows you to enjoy lifelong protection as well because you may keep renewing your health plan even after you turn 65.

  1. Modern Methods of Treatment

The best and most modern medical care is what you deserve. Therefore, cutting-edge therapies like robotic surgery, stem cell therapy, and oral chemotherapy are covered by Optima Restore.

  1. Tax Savings

Tax advantages on health insurance premiums allow for more savings. Yes, tax savings of up to 75,000 rupees are possible with HDFC ERGO health insurance plans.

  1. Covered pre- and post-hospitalization expenses

No need to worry if the doctor has to do several diagnostic tests before or after admitting you to the hospital. You are supported by the insurer. For a comparatively short period—60 days before your hospitalization and 180 days following discharge—they will pay this sum in full. By the way, this also covers the price of the medication.

  1. No Sub-Limit on Room Rent

Any available room, whether it be a shared room, a single room, a luxury room, etc. Since the policy has no limitations on room rent, the insurer won’t quibble with your choice of accommodation. You are completely covered for hotel rental costs under the plan, up to the insured amount.

What is Star Family Health Optima Plan?

The Star Health Optima Insurance Plan is a super-efficient health insurance option that covers the complete family for a single insured amount. This policy offers the best health protection for you and your loved ones due to its extensive coverage options and numerous distinctive features. The list of advantages included in this Family Health Optima Insurance Plan goes well beyond just this; they also include annual physicals, auto-recharge, no-claims bonus, coverage for cutting-edge medical care, and much more. This plan is among the best family health insurance plans available thanks to its many features and advantages.

Key Features & Benefits of the Star Family Health Optima Plan

The following are the features and benefits of the Star Family Health Optima Plan.

  1. Recharge Benefit

The biggest benefit of considering the Star Family Health Optima Plan is that you will get the recharge benefit that can be used for the same hospitalization or the treatment of a sickness, illness, or injury for which a claim has already been paid or is still due under the terms of the policy.

  1. The Medical Exam

With the Star Family Health Optima Plan, pre-acceptance medical screening is necessary for everyone over 50 and for those with a history of illness at the locations authorized by the company. The employer will currently pay 100% of the expense of the medical screening.

  1. Health Check-Up

Each claim-free year, charges for health checks up to the stipulated limitations are paid at Network Hospitals. 

  1. Organ Donor Expenses

If the claim for the transplant is payable, expenses for organ transplants in which the insured person is the recipient are also reimbursed.

  1. Cost-effective Premium

This policy offers cheap coverage for one’s immediate family, including one’s spouse, parents, parents-in-law, and up to three dependent children.

  1. Assisted Reproduction Treatment

Up to the allotted limits, expenses related to proven assisted reproduction treatments indicated in the policy providers are reimbursed.

Differences Between Star Family Health Optima Plan & HDFC ERGO Optima Restore Family Health Plan

The following list highlights some of the key differences between them:

ParametersHDFC ERGO Optima Restore Family Health PlanStar Family Health Optima Plan

Minimum Age- 91 days, Independent Adults- 18 Years

Maximum- 65 years

Minimum Age- 18 days to 65 years

Maximum- 65 years

Sum InsuredRs 3 Lac, 5 Lac, 10 Lac, 15 Lac, 20 Lac, 25 Lac, 50 LacRs.3,00,000/-, Rs.4,00,000/-, Rs.5,00,000/-, Rs.10,00,000/-, Rs.15,00,000/-, Rs.20,00,000/- and Rs.25,00,000/-
Pre & Post Hospitalization

Medical expenses incurred 60 days before the hospitalization are covered

Post-hospitalization medical expenses incurred 180 days after the hospitalization are covered

Pre-hospitalization medical expenses incurred up to 60 days before the date of hospitalization are payable.

Post-hospitalization medical expenses incurred up to 90 days from the date of discharge from the hospital are payable

Ambulance ChargesThe cost of using an ambulance to take an insured individual to the hospital in an emergency is covered up to Rs. 2,000 for each hospitalization.Up to Rs. 750 for each hospitalization and Rs. 1500 per insurance year, ambulance costs for the transfer of an insured person by a private ambulance are covered.
Emergency Air AmbulanceUp to 2.5 lacs in costs for emergency life-threatening medical conditions are reimbursed for ambulance transportation by plane or helicopter. This coverage is offered for Sum Insured amounts of Rs.10 lac and higher.Air ambulance expenses are covered up to 10% of the Sum Insured for the entire policy period.

Stay Active Benefit

With the Stay Active benefit, you can easily walk your way to good health and receive savings of up to 8% on your renewal price as long as you maintain a healthy weight.

Upfront Discount

5% discount for filling out the lifestyle and habits-related questionnaire at the inception of this policy.


Multiplier Benefit

For each year without a claim, your basic insurance amount is increased by 50%, up to a maximum of 100%. If a claim is filed during a policy year, the benefit’s limit for the next year will be lowered by 50% of the basic sum insured. But this decrease won’t bring the Sum Insured down to the policy’s minimal Sum Insured.


For new policies as well as renewals, this insurance requires an insured person to pay a co-payment of 20% of every claim amount if they are 61 years of age or older.


Critical Advantage Rider (optional)

The rider gives you the freedom to access the greatest healthcare treatments available anywhere in the globe. It also covers all travel expenditures for the insured and any accompanying family members, lodging costs, second opinions, and post-hospitalization charges. Where the basic policy Sum Insured is Rs. 10 lacs or more, this rider would be made available. Only on an individual Sum Insured basis may this rider be offered to an individual and/or family.

AYUSH Treatment

Expenses incurred for the treatment under Ayurveda, Unani, Siddha, and Homeopathy systems of medicines in AYUSH hospitals are covered.

Which is Better: HDFC ERGO or Star Health Insurance?

The comparison of HDFC ERGO Optima Restore Family Health Plan and Star Family Health Optima Plan is based on several parameters, including customer service, cost, benefits, coverage, eligibility requirements, and other considerations. Make sure you consider all the aspects and then choose the plan.

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