Your Optima Restore Floater Policy: Certificate For The Purpose of Deduction Under Section 80 D of Income Tax Act, 1961

HDFC ERGO General Insurance Company Limited
2805206935652000000
Mrs. Aneeta Narendra Sonthalia

202 2ND CHANAKYA
202 2ND CHANAKYA PURI CHS
LALLUBHAI PARK
MUMBAI
MAHARASHTRA - 400058
Contact No.: 90XXXXXXX3
Email: anxxxxxxxxxxxxia@gxxxx.com
Policy No : 2805 2069 3565 2000 000
Intermediary Code Intermediary Name Intermediary Contact Number

201890033453 AGENT : ASMABEE FARHAN SHAIKH 91-8369000288
Your Optima Restore Floater Policy

Dear Mrs. Aneeta Narendra Sonthalia ,
Welcome to HDFC ERGO General Insurance Company Limited. We are pleased to issue you Your Optima Restore Floater Policy. We advise you to retain your
Policy Kit during the entire term of the Policy (including renewals).
Please note that the Policy has been issued to you based on the declarations, details and documents received from/on behalf of you in/along with the Proposal
Form submitted to us. Along with this policy you are also eligible for Wellness Benefits under our Add-on "HDFC ERGO Wellness Corner" -UIN:
HDFHLIA24051V012324. For details of the benefits, please click on the following link https://hdfcergo.onelink.me/ARLJ/v6t9r5kz
Please visit our website www.hdfcergo.com for more information about our Company, Grievance handling and any other support. To know the updated list of our
network hospitals please visit https://www.hdfcergo.com/locators/cashless-hospitals-network
We value your relationship with us and assure you our best services at all times and we look forward to serve you.
Proposer details have been updated basis the information present in the KYC documents. If you find any detail which needs to be corrected, request you
to create/ modify the eKYC ID and place a request for endorsement.
Soft copy of the policy is valid for all purposes including claims.
Warm Regards,
Location: Mumbai
Date: 11/11/2024
Authorized Signatory
Note:
1. Please update us with your latest contact details (in case of any change) so that same can be updated in our records.
2. You can either email us on care@hdfcergo.com or call on our Customer care no. 022 6234 6234 / 0120 6234 6234.
3. *The Copy of the proposal form has been sent on your registered email id if policy is purchased through website.
Certificate for the purpose of deduction under Section 80 D of Income Tax Act, 1961*
This is to certify that the MRS.. ANEETA NARENDRA SONTHALIA has paid Rs. 81453 (Rupees Eighty-One Thousand Four Hundred Fifty-Three And Zero
Paise Only) towards premium for Optima Restore Floater Policy No. 2805206935652000000 issued to MRS.. ANEETA NARENDRA SONTHALIA for period of
11/11/2024 to 10/11/2025.
For and on behalf of HDFC ERGO General Insurance Company Limited

Location: Mumbai
Date: 11/11/2024
Authorized Signatory
*Note
1. This is subject to the provisions of Section 80D of Income Tax Act, 1961 as amended from time to time.
2. This certificate must be surrendered to the company in case of cancellation of this policy. In event of incorrect representation of this declaration the
liability shall be upon the Policyholder.
3. Please note that this certificate will not be issued if the premium payment has been made in cash.
4. In case of dishonor of the premium instrument, the policy will be deemed cancelled ab initio.
5. 80D benefit is applicable for only Self, Spouse, Dependent Children and Dependent parents.
HDFC ERGO General Insurance Company Limited. IRDAI Reg No.146 UIN: HDFHLIP25012V082425. Policy Issuing/ Customer Happiness Center: D 301, 3rd Floor,Eastern
CIN : U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, Business District,LBS Marg, Bhandup (West),
165/166 Backbay Reclamation, H.T.Parekh Marg, Churchgate, Mumbai - 400 020. Mumbai- 400 078.Customer Service No : +91 22-62346234/+91-120 6234 6234 | www.hdfcergo.com
Policy Schedule - Optima Restore Floater
Policy Number 2805 2069 3565 2000 000

Policy Holder’s Name Mrs. Aneeta Narendra Sonthalia
Policy Holder’s Address 202 2ND CHANAKYA 202 2ND CHANAKYA PURI CHS LALLUBHAI PARK MUMBAI MAHARASHTRA - 400058
Policy Holder State Name & Code Maharashtra(27) Place of Supply MAHARASHTRA
GSTIN/ UIN (if any) of Policy Holder
First policy inception date 29/09/2009 Policy Issuance Date 11/11/2024
Policy Period From 22:09 hrs on 11/11/2024 To 24:00 hrs on 10/11/2025
Issuing/Servicing Office LEELA BUSINESS PARK, 6TH FLR, ANDHERI - KURLA RD, MUMBAI Tel : +91-22-28509711
GSTIN 27AABCL5045N1Z8
EIA Number Not provided
Intermediary Name AGENT : ASMABEE FARHAN SHAIKH Intermediary Contact No 91-8369000288
Intermediary Code 201890033453 Description/ Harmonized System Of Accident and Health insurance
Nomenclature Code Services/9971
Insured Person Details
Member 1 Member 2 Member 3 Member 4 Member 5 Member 6
ANEETA Narendra Sonthalia /
Particulars / Member ID NARENDRA 2024410045421277
SONTHALIA /
2024410045421276
Date of Birth (Age) 28/04/1958 (66) 18/09/1952 (72) - - - -
Relationship to Policy Holder Self Husband - - - -
Base Sum Insured (`) 300000
Multiplier Benefit SI (`) 84000
ABHA ID - - - - - -
Protector Rider Sum
-
Insured(`)
Co-payment % 0
Deductible 0
Total Sum Insured(`) 384000
Note : In case any insured person's wish to generate his/her ABHA ID kindly visit link given below :
https://https://healthid.ndhm.gov.in/register
Protector Rider - HDHHLIP21335V022021 | Individual Personal Accident Rider - APOPAIP19004V011920 | Hospital Daily Cash Rider - HDHHLIP21344V022021
| Critical Advantage Rider HDHHLIP21342V022021 | my:health Critical Illness - HDFHLIA22141V032122 | Optima Wellbeing (Add-on) - HDFHLIA24099V012324
Other Riders and Benefits ( `)

Protector Rider -
Hospital Daily Cash Rider SI
-
(Max. 30 days)
Critical Advantage Rider SI
- - - - - -
($)
IPA Rider SII - - - - - -
my: health Critical Illness
Sum Insured (Rs.)
my: health Critical Illness
Plan
Unlimited Restore Benefit No
Optima Wellbeing Rider No
Nominee Details
Nominee Name : Mr. Dhananjay Relationship to Policyholder: Son
The nominee must be an immediate relative of the policyholder. For all other Insured Persons the policy holder shall be the nominee.
Premium Calculation (`)
Net Premium 69028 CGST@9% 6212.5
Discounts 0 SGST/UTGST@9% 6212.5
Loadings 0 IGST@18% 0
Taxable Premium 69028 Any other Cess or Taxes 0
Gross Premium 81453
Gross Premium (in words) Rupees Eighty-One Thousand Four Hundred Fifty-Three And Zero Paise Only
The stamp duty of Rs. 1/- ( Rupees One And Zero Paise Only ) paid vide e-stamp Certificate No. (LOA/ENF-1/CSD/34/2023/ Validity Period Dt. 28/12/2023 to Dt.
31/12/2026. OW No. 6045 Date 27/Dec/2023 GRN NO. MH011651000202324M Dt. 05/12/2023, SBI Bank & DEFACE No. 0006692260202324 Dt. 21/12/2023)
dated 27/12/2023 as prescribed in Government of Maharashtra Order No. Mudrank-2017/CR.97/M-1, dated the 09th January 2018.
I/ We hereby declare that though our aggregate turnover in any preceding financial year from 2017-18 onwards is more than the aggregate turnover notified under
sub-rule (4) of rule 48, we are not required to prepare an invoice in terms of the provisions of the said sub-rule
Original for Recipient/ Duplicate for Supplier
Whether tax is payable on reverse charge basis: No
Policy Schedule - Optima Restore Floater
For declared and accepted pre-exiting medical conditions, waiting period (s) shall apply per policy terms and conditions from 1st policy inception date
of the policy, fresh waiting period (s) shall apply on enhanced sum insured.
Claim Administrator : HDFC ERGO General Insurance Company Ltd For and on behalf of HDFC ERGO General Insurance Company Limited
Location: Mumbai Authorized Signatory

Date: 11/11/2024
"For detailed policy terms and conditions please visit our website https://www.hdfcergo.com/download/policy-wordings "
SCHEDULE OF BENEFITS
In-patient Treatment Upto 300000
Pre-Hospitalization Upto 300000 for 60 days
Post-Hospitalization Upto 300000 for 180 days
Day Care Procedures Upto 300000
Domiciliary Treatment Upto 300000
Organ Donor Upto 300000
Daily Cash for choosing Shared Accommodation Rs.800 per day, Maximum Rs.4,800
E-Opinion in respect of a Critical Illness One per policy year
Restore Benefit 100% of Basic SI (for any illness or any insured person)
Bonus of 50% of Basic Sum Insured post completion of each Policy Year irrespective of claims, maximum upto 100% of Basic
Multiplier Benefit
Sum Insured
Terms and Conditions

(1) This card would be valid till your relationship with HDFC ERGO General Insurance
Policy No.: 2805206935652000000 Company Limited / This card is invalid if the policy is cancelled (2) In case of renewal please
refer original policy number (3) This card is issued for the purpose of identification only and does not
entail automatic cashless facility at the network hospital. (4) A photo ID issued b y any government
authority i s to be produced to avail cashless facility. (5) Please apply for cashless facility 48 hours prior
to admission in case of planned admissions and within 24 hours of admission in case of emergency.(6) All
Insured Name Member ID Date of Birth Gender terms and conditions of the policy would be applicable while processing your cashless request. (7) In case
Aneeta Narendra Sonthalia 2024410045421276 28/04/1958 F your cashless facility i s denied due to any reason, please submit the claim for reimbursement. Denial of
Narendra Sonthalia 2024410045421277 18/09/1952 M cashless facility does not indicate rejection of the claim. (8) Please read policy documents carefully for
detailed terms and conditions. For claim status visit help section on our web site www.hdfcergo.com.
Alternatively you may write to us at Healthclaims@hdfcergo.com.
HDFC ERGO General Insurance Company Limited. IRDAI Reg. No.146 CIN: U66030MH2007PLC177117.
Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh
Marg, Churchgate, Mumbai – 400 020. Health Claim Services Address : HDFC ERGO General Insurance
Company Limited Stellar IT Park, Tower-1 , 5th Floor, C - 25, Noida, Sector 62, 201301, Uttar Pradesh.
Service No. 022-62346234/ 0120-62346234Email: healthclaims@hdfcergo.com.Trade Logo displayed
above belongs to HDFC Ltd and ERGO International AG and used by the Company under license.
CUSTOMER INFORMATION SHEET/KNOW YOUR POLICY

This document provides key information about your policy. You are also advised to go through your policy
document.
Policy
Description (Please refer to applicable Policy Clause Number in next
S.No Title Clause
column)
Number
Name of Insurance
1 Optima Restore NA
Product/Policy
2 Policy number 2805206935652000000 NA
Type of Insurance
3 Both Indemnity and Benefit NA
Product/ Policy
• Individual Sum Insured -Where each member has a separate sum
4 Sum Insured NA
insured under the policy), or
• Floater Sum Insured-Where all members under the policy have a
single sum insured limit which may be utilized by any or all members
Sum Insured opted:300000
on Family Floater Sum Insured basis
Note: For complete details of Sum Insured applicability, please refer to
your Policy Schedule
Policy Coverage Base Covers: Coverages in force for the Insured Persons shall be
5 (What the policy as per the plan opted
covers?)
Expenses in respect of:
1. Admission in Hospital for minimum 24 hours B-1.a
2. Pre-Hospitalisation- Medical expenses incurred in 60 days before
B-1.b
the hospitalisation.
3. Post-Hospitalisation- Medical expenses incurred in 180 days after
B-1.c
the hospitalisation
4. Day-Care procedures– Medical expenses for day care procedures. B-1.d
5. Domiciliary Treatment- Medical expenses incurred for availing
medical treatment at home which would otherwise have required B-1.e
hospitalisation.
6. Organ Donor- Medical expenses on harvesting the organ from the
B-1.f
donor for organ transplantation.
7. Ambulance cover– Upto Rs. 2,000 per hospitalisation for utilizing
ambulance service for transporting insured person to hospital in case B-1.g
of an emergency.
8. Daily Cash for choosing shared accommodation- Daily cash amount
if hospitalised in shared accommodation in network hospital and B-1.h
hospitalisation exceeds 48 hrs
9. E-Opinion in respect of a Critical Illness – Second opinion by a B-1.i
10. Emergency Air Ambulance Cover- covers, Expenses for B-1.j
11. Restore Benefit- Instant addition of 100% Basic Sum Insured on
B-2.a
complete or partial utilization of Sum Insured
12. Preventive Health Checkup – Cost of health check up paid basis

B-3
Person/Policy
13. Mutliplier Benefit- 50% of the Basic Sum Insured maximum upto
B-4
100% post completion of each policy year irrespective of claims.
Optional Covers:: Optional coverages for the Insured Persons
shall be in force only if the same is available under the plan
and/or is opted
14. Unlimited Restore Benefit (optional benefit) B-2.b
15.Aggregate Deductible (Aggregate Deductible suggests that the
liability of the Company to pay the admissible claim under that Policy
B-2.c
Year will commence only once the opted Aggregate Deductible has
been exhausted)
16. Co-Payment (Co-Payment as mentioned on the Schedule of
B-2.d
Coverage will be applied)
Exclusions (what the
6 policy does not 1. Investigation & Evaluation: Code Excl04 C.2.9
cover)
ii. Any diagnostic expenses which are not related or not incidental to
the current diagnosis and treatment are excluded.
2. Rest Cure, rehabilitation and respite care: Code – Excl05: C.2.10
Expenses related to any admission primarily for enforced bed rest and
not for receiving treatment. This also includes:
i. Custodial care either at home or in a nursing facility for personal
care such as help with activities of daily living such as bathing,
dressing, moving around either by skilled nurses or assistant or
non-skilled persons.
ii. Any services for people who are terminally ill to address physical,
social, emotional and spiritual needs.
3. Obesity/Weight control: Code – Excl06: C.2.4
Expenses related to the surgical treatment of obesity that does not
fulfill all the below conditions:
i. Surgery to be conducted is upon the advice of the Doctor
ii. The surgery/Procedure conducted should be supported by clinical
protocols
iii. The member has to be 18 years of age or older and
iv. Body Mass Index (BMI)
A. greater than or equal to 40 or
B. greater than or equal to 35 in conjunction with any of the
following severe co-morbidities following failure of less invasive
methods of weight loss:
1) Obesity-related cardiomyopathy
2) Coronary heart disease
3) Severe sleep apnea
4) Uncontrolled type2 diabetes
4. Change-of-Gender treatments: Code – Excl07: C.2.7
Expenses related to any treatment, including surgical management, to
change characteristics of the body to those of the opposite sex
5. Cosmetic or plastic Surgery: Code – Excl08:
Expenses for cosmetic or plastic surgery or any treatment to change

C.2.6
appearance unless for reconstruction following an Accident,
Burn(s) or Cancer or as part of Medically Necessary Treatment to

remove a direct and immediate health risk to the insured. For this to be
considered a medical necessity, it must be certified by the attending
Medical Practitioner
6. Hazardous or Adventure Sports: Code – Excl09:
Expensesrelated to any treatment necessitated due to participation as
a professional in Hazardous or Adventure sports, including but not
limited to, para-jumping, rock climbing, mountaineering, rafting,motor
racing, horse racing or scuba diving, hand gliding, sky diving,
deep-sea diving.
7. Breach of Law: Code – Excl10:
Expenses for treatment directly arising from or consequent upon any
Insured Person committing or attempting to commit a breach of law
with criminal intent.
8. Excluded Providers: Code – Excl11:
Expenses incurred towards treatment in any hospital or by any Medical
Practitioner or any other provider specifically excluded by the Insurer
and disclosed in its website/notified to the Policyholders are not
admissible. However, in case of Life Threatening Situations or
following an Accident, expenses up to the stage of stabilization are
payable but not the complete claim.
9. Treatment for Alcoholism, drug or substance abuse or any
C.2.3
addictive condition and consequences thereof. Code – Excl12.
10. Treatments received in health hydros, nature cure clinics,
spas or similar establishments or private beds registered as a
nursing home attached to such establishments or where C.2.11
admission is arranged wholly or partly for domestic reasons.
Code – Excl13.
11. Dietary supplements and substances that can be purchased
without prescription, including but not limited to Vitamins,
minerals and organic substances unless prescribed by a Medical C.2.12
Practitioner as part of Hospitalization claim or Day Care
procedure. Code – Excl14.
12. Refractive Error: Code – Excl15: Expenses related to the
treatment for correction of eye sight due to refractive error less C.2.5
than 7.5 dioptres
13. Unproven Treatments: Code – Excl16: Expenses related to
any unproven treatment, services and supplies for or in
connection with any treatment. Unproven treatments are C.2.8
treatments, procedures or supplies that lack significant medical
documentation to support their effectiveness.
14. Sterility and Infertility: Code – Excl17: C.2.14
Expenses related to sterility and infertility. This includes:
i. Any type of contraception, sterilization
ii. Assisted Reproduction services including artificial insemination and
advanced reproductive technologies such as IVF, ZIFT, GIFT, ICSI
iii. Gestational Surrogacy

iv. Reversal of sterilization
15. Maternity: Code – Excl18
i. Medical treatment expenses traceable to childbirth(including
complicated deliveries and caesarean sections incurred during
hospitalization) except ectopic pregnancy;
ii. Expenses towards miscarriage (unless due to an accident)and
lawful medical termination of pregnancy during the Policy Period.
Specific Exclusions:
In addition to the foregoing general exclusions, the Company shall not
be liable to make any payment under this Policy caused by or arising
out of or attributable to any of the following:
1. War or similar situations C.3.1
Treatment arising from or consequent upon war or any act of war,
invasion, act of foreign enemy, (whether war be declared or not or
caused during service in the armed forces of any country), civil war,
public defence, rebellion, revolution, insurrection, military or usurped
acts, nuclear weapons/materials, chemical and biological weapons,
radiation of any kind.
2. Intentional self injury or attempted suicide while sane or insane. C.3.2
3. Any Insured Person’s participation or involvement in naval, military
C.3.3
or air force operation.
4. Prosthetic and other devices which are self-detachable/removable
C.3.4
without surgery involving anaesthesia
5. Treatment availed outside India. C.3.5
6. Treatment at a healthcare facility that is not a Hospital C.3.6
7. Circumcisions (unless necessitated by Illness or injury and forming
C.3.7
part of treatment)
8. Non allopathic treatment except for inpatient care AYUSH
C.3.8
treatment.
9. Conditions for which treatment could have been done on an
C.3.9
outpatient basis without any Hospitalization.
10. Preventive care, vaccination including inoculation and
C.3.10
immunisations (except in case of post-bite treatment)
11. Provision or fitting of hearing aids, spectacles or contact lenses
including optometric therapy, any treatment and associated expenses
C.3.11
for alopecia, baldness, wigs, or toupees, medical supplies including
elastic stockings, diabetic test strips and similar products.
12. Sleep apnoea. C.3.12
13. External congenital diseases, defects or anomalies C.3.13
14. Expenses incurred by the insured on organ donation C.3.14
15. Treatment and supplies for analysis and adjustments of spinal
subluxation, diagnosis and treatment by manipulation of the skeletal
structure; muscle stimulation by any means except treatment of C.3.15
fractures (excluding hairline fractures) and dislocations of the mandible
and extremities.
16. Any non medical expenses mentioned in List I of Annexure I of

C.3.16
policy document
17. Treatment rendered by a Medical Practitioner which is outside his
C.3.17
discipline or the discipline for which he is licensed
18. Treatments rendered by a Medical Practitioner who is a member of
the Insured Person’s family or stays with him, however proven material
C.3.18
costs are eligible for reimbursement in accordance with the applicable
cover.
19. Any treatment or part of a treatment that is not of a reasonable
C.3.19
charge and not Medically Necessary.
20. Drugs or treatments which are not supported by a prescription. C.3.20
21. Any specific time bound or lifetime exclusion(s) applied by Us and
C.3.21
specified in the Schedule and accepted by the insured.
22. Admission for administration of Intraarticular or Intra-lesional injections,
Supplementary medications like Zolendronic acid (Trade name Zometa, C.3.22
Reclast, etc.) or IV immunoglobulin infusion.
23. Dental treatment and surgery of any kind, unless requiring
C.3.23
Hospitalisation.
Initial waiting Period: 30 days for all illnesses (not applicable in case of
7 Waiting period C.1.i
continuous renewal or accidents)
• Time period during
which specified Specific Waiting periods (Not applicable for claims arising due to an
C.1.ii
diseases/treatments accident):
are not covered.
• It is counted from
the beginning of the • 24 months for listed diseases/procedure
policy coverage.
Pre-existing diseases: Covered after 36 months C.1.iii
Note: Waiting Periods in force for Insured Persons shall be as per the
plan opted or option selected
The policy will pay only up to the limits specified here under for the
8 Financial limits following diseases/ procedures:
coverage of Base Cover (limits basis plan/sum insured chosen):
i. Sub-limit (It is a
1. Road Ambulance : Up to 2K B.1.g
pre- defined limit and
the insurance 2. Daily Cash for choosing Shared Accommodation : Upto Rs 800/1K
B-1.h
company will not pay per day up to 4.8/6K per day
any amount in 3. Preventive Health Checkup: B-3
excess of this limit) • Individual (Per Insured) : Upto Rs 1.5/2/4/5K
• Floater(Per Policy): Upto Rs 2.5/5/8/10K
4. Aggregate Deductible (Optional Cover) : 25k/50k/100k B-2.c
5.Co-Payment (Optional cover): 10% / 20% B-2.d
ii. Deductible (It is a
specified amount:
- up to which an
insurance
company will not
pay any claim, and
- which will be
deducted from
total claim amount
(if claim amount is
more than the
specified amount)
iii. Co-payment (It
is a specified
amount/percentag
e of the admissible
claim amount to
be paid by
policyholder/insure
d).
Claims/Claims Details of procedure to be followed for cashless service as well as for
9 E
Procedure reimbursement of claim including pre and post hospitalization.
Turn Around Time (TAT) for claims settlement:
For Cashless Process :
i.TAT for preauthorization of cashless facility: Decision on cashless
authorization to be provided within 1 hour from the time of receipt of
request.
ii. TAT for cashless final bill authorization:Within 3 hours of the receipt of
discharge authorization request from the hospital.
For Reimbursement Process :
i. TAT for Claim settlement – 30 days from the time the last necessary
document is received.
(Note: In case of internal verification, the final stand will be confirmed
within 45 days from the time the last necessary document is received by
us)
Provide the details /web link for following:
i. Network Hospital details :
https://www.hdfcergo.com/locators/cashless-hospitals-networks
ii. Helpline number :
https://www.hdfcergo.com/customercare/grievances
Call - : 022 6234 6234 / 0120 6234 6234
iii. Hospitals which are excluded or from where no claims will be
accepted by insurer
https://www.hdfcergo.com/docs/default-source/documents/excluded-hospital1.pdf
iv. Downloading/getting claim form

https://www.hdfcergo.com/download/claim-form
10 Policy Servicing Call center number : E
022 6234 6234 / 0120 6234 6234
Or visit help section on www.hdfcergo.com
Details of Company officials:
Or visit help section on www.hdfcergo.com
Customer Happiness Center: D-301, 3rd Floor, Eastern Business
District LBS Marg, Bhandup (West), Mumbai - 400 078.
Grievances/Complai In case of any grievance the insured person may contact the Company
11 D.i
nts through:
- Website: www.hdfcergo.com
- Contact us: 022 6234 6234 / 0120 6234 6234
- E-mail: grievance@hdfcergo.com
- Contact Details for Senior Citizen: 022 – 6242 – 6226
- E-mail specific for Senior citizens :
seniorcitizen@hdfcergo.com
For updated details of grievance officer, kindly refer the link:
- link: https://www.hdfcergo.com/customer-voice/grievances
Ombudsman:
https://bimabharosa.irdai.gov.in/.
Free Look cancellation: You may cancel theinsurance policy if you
12 Things to remember D.h
do not want it, within 30 days from the beginning of the policy.
Process for free look cancellation:
1. The Free Look Period shall be applicable on newindividual health
insurance policies and not on renewals or at the time of
porting/migrating the policy.
2. The insured person shall be allowed free look period of 30 days
from date of receipt of the policy document to review the terms and
conditions of the policy, and toreturn the same if not acceptable.
Policy renewal: Except on grounds of fraud, moral hazard or
misrepresentation or non-cooperation, renewal of your policy D.e
shall not be denied, provided the policy is not withdrawn.
Migration and Portability: When your policy is due for renewal,
D.l &
you may migrate to another policy with us or port your policy to
D.m
another insurer.
Process for migration: The Insured Person will have the option to
migrate the Policy to other health insurance products/plans
offered by the Company by applying for Migration of the policy
atleast 30 days before the policy renewal date as per IRDAI
guidelines on Migration.
Process for portability: The Insured Person will have the option to
port the Policy to other insurers by applying to such Insurer to port
the entire policy along with all the members of the family, if any, at
least 45 days before, but not earlier than 60 days from the policy
renewal date as per IRDAI guidelines related to Portability.
Change in Sum Insured: Sum Insured can be changed

(increased/ decreased) only at the time of renewal, subject to
underwriting by the company. For increase in SI, the waiting
period if any shall start afresh only for the enhanced portion of the
sum insured.
Moratorium Period: After completion of five continuous years
under the policy no look back to be applied. This period of five
years is called as moratorium period. The moratorium would be
applicable for the sums insured of the first policy and applicable
D.k
for the sums insured of the first policy and subsequently
completion of five continuous years would be applicable from
date of enhancement of sums insured only on the enhanced
limits.
After the expiry of Moratorium Period no health insurance policy shall
be contestable except for proven fraud and permanent exclusions
specified in the policy contract.
Please disclose all pre-existing disease/s or condition/s and fill in the
13 Your Obligations complete details in the proposal form before buying a policy.
Non-disclosure may affect the claim settlement.
Note:
1. Web-link of the product documents: https://www.hdfcergo.com/download >>
2. In case of any conflict, the terms and conditions mention in the policy document shall prevail.
Declaration by the Policy Holder;
I have read the above and confirm having noted the details.
Place:
Date: (Signature of the Policyholder)

Your Optima Restore Floater Policy: Certificate For The Purpose of Deduction Under Section 80 D of Income Tax Act, 1961

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HDFC ERGO General Insurance Company Limited

Mrs. Aneeta Narendra Sonthalia

Policy No : 2805 2069 3565 2000 000

Intermediary Code Intermediary Name Intermediary Contact Number

Your Optima Restore Floater Policy

For and on behalf of HDFC ERGO General Insurance Company Limited

Policy Schedule - Optima Restore Floater

Policy Number 2805 2069 3565 2000 000

Policy Period From 22:09 hrs on 11/11/2024 To 24:00 hrs on 10/11/2025

Other Riders and Benefits ( `)

Policy Schedule - Optima Restore Floater

Location: Mumbai Authorized Signatory

Terms and Conditions

CUSTOMER INFORMATION SHEET/KNOW YOUR POLICY

12. Preventive Health Checkup – Cost of health check up paid basis

Expenses for cosmetic or plastic surgery or any treatment to change

Burn(s) or Cancer or as part of Medically Necessary Treatment to

iii. Gestational Surrogacy

16. Any non medical expenses mentioned in List I of Annexure I of

iv. Downloading/getting claim form

Change in Sum Insured: Sum Insured can be changed

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