Page 35 - HDFC Bank | Take the cut out of your tax cut

10. Hospitalisation expenses
Covers medical expenses incurred at the time of hospitalisation that include room rent, ICU expenses, nursing expenses,
surgeon’s fee, road ambulance charges and so on. It also covers all day care treatments that require hospitalisation for
less than 24 hours.

11. AYUSH treatment
Optima Secure covers in-patient hospitalisation expenses even for alternate treatment methods viz. Ayurveda, Yoga and
Naturopathy, Unani, Siddha and Homeopathy.

HDFC Ergo Optima Restore:

1. Restore Benefit
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 Year. This total amount (Basic sum insured, Multiplier benefit and
Restore sum insured) will be available to all Insured Persons for all claims under In-patient Benefit during the current
Policy Year. However, single claim in a Policy Year cannot exceed the sum of Basic Sum Insured and Multiplier Benefit
(if any).

2. Multiplier Benefit
50% increase in your basic sum insured for every claim free year, subject to a maximum of 100%. In case a claim
is made during a policy year, the limit under this benefit would be reduced by 50% of the basic sum insured in the
following year. However, this reduction will not reduce the Sum Insured below the basic Sum Insured of the policy.
HEALTH CHECKUP Optima Restore helps you keep track of your health status with its preventive health checkup benefit
offered at renewal irrespective of claim status. The health checkup benefit is available once in 2 years on sum insured
of Rs 5 lakhs and once every year on sum insured of Rs 10 lakhs & above.

3. Stay Active Benefit
We at HDFC ERGO General Insurance Company Limited constantly strive to help you manage your health and are very
excited to introduce a new benefit called Stay Active which would not only encourage you to create a habit of walking
but also reward you based on your steps walked. A discount at each renewal is given if the insured member achieves
the average step count target.

4. Other Features
Lifelong Renewal • No sub-limit on room rent • No claim based loading • Emergency air ambulance cover on sum
insured of 10 lacs & above • No geography based sub-limits • Cashless transaction at 10000+ Network Hospitals
• Quick Turnaround time and Claim Payments • Easy Upgrade

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*Based on Retail Loan book size (excluding mortgages). Source: Annual Reports FY 20-21 and No.1 on market capitalisation based on BSE data as on 31st Dec, 2021