Optima Cash Insurance

Optima Cash is planned with the intention to uncomplicated healthcare for you and your family through daily cash benefit in an event of hospitalisation.

Features
Benefits
Exclusions
Why Optima Cash?

S.no	Benefit	Coverage	Duration
1 a i)	Sickness Hospital Cash	Daily cash amount for each continuous and completed period of 24 hours if the insured is hospitalised due to any sickness.	Maximum up to 90 days/ 180 days per policy year.
1 a ii)	Sickness ICU Cash*	Twice the Daily cash amount for each continuous and completed period of 24 hours if the insured is admitted in ICU due to any sickness.	Maximum up to 15 days per policy year.
1 b i)	Accident Hospital Cash	Daily cash amount for each continuous and completed period of 24 hours if the insured is hospitalised due to any accident.	Maximum up to 90 days/ 180 days per policy year.
b ii)	Accident ICU Cash#	Twice the Daily cash amount for each continuous and completed period of 24 hours if the insured is admitted in ICU due to any accident.	Maximum up to 15 days per policy year.
1 c)	Day Care Procedure Cash	50% of the Daily cash amount if the insured undergoes any of the 10 identified day care procedures which does not require 24 hours hospitalisation due to technological advancement.	Maximum up to 6 day care procedures per policy year.
1 d)	Joint Hospitalisation due to an Accident^	Twice the Daily cash amount for each continuous and completed period of 24 hours where two or more Insured person(s) are concurrently hospitalised due to an accident.	Maximum up to 10 days per policy year.
1e)	Convalescence Cash [once in Policy Year]	Lumpsum amount paid if insured person is hospitalised beyond 7 continuous days	Payable once per policy year.

^In addition to benefit 1bi) and 1bii). ^^In addition to benefit 1ai), 1aii), 1bi) and 1bii) *Benefit 1aii) sublimit under 1ai), #Benefit 1bii) sublimit under 1bi)

Gold Plan - 90 days

Daily Cash Amount	1,000	2,000	3,000
1ai) Sickness Hospital Cash [upto 90 days]	1,000	2,000	3,000
1aii) Sickness ICU Cash [maximum upto 15 days]*	2,000	4,000	6,000
1bi) Accident Hospital Cash [upto 90 days]	1,000	2,000	3,000
1bii) Accident ICU Cash [Maximum upto 15 Days]#	2,000	4,000	6,000
1c) Day Care Procedure Cash [Maximum upto 6 Procedures]	500	1,000	1,500
1d) Joint Hospitalisation due to an Accident [Maximum upto 10 days]	2,000	4,000	6,000
1e) Convalescence Cash [once in Policy Year]	1,000	2,000	3,000

Gold Plan - 180 days

Daily Cash Amount	1,000	2,000	3,000
1ai) Sickness Hospital Cash [upto 180 days]	1,000	2,000	3,000
1aii) Sickness ICU Cash [maximum upto 15 days]*	2,000	4,000	6,000
1bi) Accident Hospital Cash [upto 180 days]	1,000	2,000	3,000
1bii) Accident ICU Cash [Maximum upto 15 Days]#	2,000	4,000	6,000
1c) Day Care Procedure Cash [Maximum upto 6 Procedures]	500	1,000	1,500
1d) Joint Hospitalisation due to an Accident [Maximum upto 10 days]	2,000	4,000	6,000
1e) Convalescence Cash [once in Policy Year]	1,000	2,000	3,000

*Benefit 1aii) sublimit under 1ai), #Benefit 1bii) sublimit under 1bi)

All treatments within the first 30 days of the policy excluded except any accidental injury.
2 years exclusion for specific diseases.
Any pre-existing condition will be covered after a waiting period of 4 years.
Hospitalisation due to war or any act of war or due to a nuclear, chemical or biological weapon and radiation of any kind.
Expenses arising out of HIV or AIDS and related diseases.

Optima Cash covers persons from the age of 5 years to 65 years.
Dependent Children are covered from the age of 91 days onwards if either parent is covered under any Optima Cash policy.
Optima Cash policy can be issued to an individual and/or family.
Daily cash amount options of Rs 1,000; Rs 2,000 and Rs 3,000 for 90days/ 180 days per policy year to choose from.
The policy will be issued for period of 1 year or 2 years.
The policy will be issued for period of 1 year or 2 years.
Family discount of 10 % if 2 or more members are covered under the same policy.
No Medical tests (in case there is no adverse declaration in the proposal form).