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Health Insurance ReviewREXI Analysis 2026
HDFC ERGO Optima Restore
The benchmark for restoration health plans Globally.
4.7/5(310 reviews)
Claim Ratio: 96.20% (FY 2023-24)
Overview
Optima Restore is the pioneer of the restoration benefit Globally. It is a highly trusted plan with a strong claim settlement history and a very wide network of network hospitals.
Room Rent Limit
No limit (for SI >= 5L)
Best For
High-income families who want the most trusted brand with guaranteed restoration benefits.
What We Like
- 100% restoration of sum insured
- Multiplier benefit — 50% increase in SI for every claim-free year
- No room rent limit for sum insured above 5L
- Wide network of hospitals through HDFC ERGO
Watch Out For
- One of the most expensive plans in its category
- Specific disease waiting periods are strictly enforced
- PED waiting period 36 months (as per new rules)
Products Offered
Optima Restoremy:health SurakshaOptima Secure
Disclaimer: This review is based on publicly available information, IRDAI data, and REXI's policy analysis. Ratings are our editorial opinion. This is not financial advice — always read the full policy document before purchasing. Claim settlement ratios are sourced from IRDAI Annual Reports.