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Last updated on: September 19, 2025
The HDFC Ergo Optima Restore Plan and Optima Select Plan are both popular health insurance policies, but they differ in key aspects. The Optima Restore Plan offers individual and family floater coverage with benefits like automatic sum insured restoration, no-claim bonus, and worldwide emergency coverage, making it ideal for comprehensive, hassle-free protection. In contrast, the Optima Select Plan offers lower premiums but covers only select (network) hospitals for planned treatments, with co-pay options and slightly limited benefits. The Optima Restore Plan is best suited for those seeking broad hospital access, enhanced features, and flexibility, while the Optima Select Plan is more economical for those willing to use a network of designated hospitals. Choosing between them depends on one’s healthcare needs, hospital preferences, and budget.
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When you are seeking the overall health insurance, you must have noticed both HDFC Ergo Optima Restore Plan and HDFC Ergo Optima Select Plan among the best of the best in 2025, as far as Indian families and individuals are concerned. These two plans are similar in terms of good health cover provisions, reconstruction of the sum insured, and expansive hospital networks. But to come to the point of making an appropriate decision on which one to use, what are the obvious differences? In this article, you will be able to make a choice, as the two plans will be analysed and their advantages and disadvantages will be identified as well as the answers to the most frequent questions will be provided with the latest data and examples.
The HDFC Ergo Optima Restore Health insurance is an individual and family floater, which intends to offer the complete medical cover. The prime feature of the scheme is the so-called Restore Benefit that automatically restores the amount insured when it is used up during a policy year. Many families concerned with repeated spending on healthcare have been opting to use the plan in 2025, either because they have multiple hospitalisations each year or simply because they wish to have a backup without extra paperwork.
Did you know?
Over 60 percent of health insurance customers in India sought plans that had automatic sum insured restoration in 2025, as per IRDAI quarterly statistics.
There is also HDFC Ergo Optima Select Plan which targets young professionals, families, and individuals who want slightly reduced premiums and have strong features. It has a distinctive benefit, which is the idea of Preferred Provider Network, it will provide policyholders with additional features and benefits when they visit hospitals listed in the network.
What is preferred provider network in insurance?
A preferred provider network (PPN) is a union of hospitals where the insurer is tied and within which it provides the policymakers with better rates and services.
| Duration | Optima Restore Plan | Optima Select Plan |
|---|---|---|
| Entry Age | 91 days to 65 years | 91 days to 65 years |
| Sum Insured range | 3 lakhs and 50 lakhs | 5 lakhs and 50 lakhs |
| Family Floater? | Yes | Yes |
| Restore Benefit | One time in a year | Limitless within a year. |
| Day Care Procedures | All covered | All covered |
| Pre and Post Hospitalisation | 60, 180 days | 60, 180 days |
| Room Rent | not more than single private room | Restricted not in network |
| Annual Premium (example) | Rs 12,000 -50,000 | Rs 10,500-48,500 |
| Critical Illness Add-on | Available | Available |
Did you know?
Health policies that have solid network hospital tie-ups are expected to provide up to 25 percent savings in out-of-pocket payments in 2025 as opposed to those delivering primarily on claims of reimbursement.
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Does both HDFC Ergo health plans have maternity cover?
The maternity cover can only be optional and is not a default in all of the plans. Maternity benefits are suggested to be included prior to pregnancy so that the benefits can be easily claimed.
Did you know?
To make the final decision of Select Plan, experts recommend checking the list of the best cashless hospitals in your city. In 2023-24 more than 80 percent of rejected claims were because of treatment outside of the listed network.
The two plans provide cashless and reimbursement claims although the cashless process in the network facilities is quicker in Optima Select Plan and it also provides daily cash benefits.
| Criteria | Optima Restore | Optima Select |
|---|---|---|
| Room Rent Limit | None below single private room | None otherwise. |
| Daily Hospital Cash | No (Yes 500 to 1000) | No Claim Bonus |
| No Claim Bonus | Up to 50 | Up to 100 |
| Network Hospital Coverage | All, no special rates | PPN preferred |
| Maternity Cover | Add-on | Add-on |
| AYUSH Coverage | Yes (full) | Yes (cap on cost) |
| Geographic Flexibility | High | Depends on city. |
What should the family with older members have as a plan?
Optima Restore Plan is recommended in case you have senior relatives because that one has fewer limitations and higher amount insured can be accessed with ease.
The health insurance advisors suggest that Optima Restore is preferable in case you wish to have greater control of the hospital of your choice, particularly in small towns or semi-urban areas. Optima Select is the most value-driven option to use whereby families that are technologically-advanced and have access to PPN hospitals are able to reduce recurring expenses.
What does health insurance mean by the restoration benefit?
Restoration benefit automatically replens your base sum upon its depletion within a policy period thus you do not run out of cover when you are admitted to the hospital during repeat hospitalisations within the year.
Does optima restore or Select cover OPD treatment?
No, neither of the two plans is a standalone OPD cover unless that is chosen during the purchase of the policies as an addition.
Is it possible to change plans after purchasing?
Yes, it is possible to transfer your policy into another insurer altogether or between Optima Restore and Select during the renewal and still continue with the benefits of continuity.
Do they have such plans among the parents who are 65 years or above?
The age of entry is 65, and in case of being already covered, one can renew it during a lifetime.
Which is the best plan with regards to the rent plans?
Optima Restore provides more freedom in room rent without high capping whereas Select is limited in non-network hospitals.
May I get both the restoration and no claim bonus in a given year?
Yes, restoration and no claim bonus operate in conjunction with each other providing an extended coverage.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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