Optima Plus Insurance

• In-patient Treatment - Hospitalisation expenses due to an illness or accident.
• Pre-Hospitalisation - Medical expenses incurred in 60 days immediately before hospitalisation.
• Post-Hospitalisation - Medical expenses incurred in 90 days immediately after discharge from hospital.
• Day care procedures - Coverage for enlisted 140 day care procedures which do not require 24 hours hospitalisation.
• Organ Donor - Medical expenses for harvesting of the organ donated to the Insured person.
• Emergency Ambulance - Expenses up to Rs. 2000 per hospitalisation.
• Domiciliary Treatment - Medical expenses incurred by an Insured person for availing medical treatment at his home which would otherwise have required hospitalisation.

• The minimum and maximum entry age under this plan is 91 days and 65 years respectively*.
• Child between 91 days to 5 years can be insured only when either parent is getting insured under this policy.
• The policy offers coverage on individual sum insured basis only.
• The family includes self, spouse, dependent children and dependent parents.
• There is no cover ceasing age under this policy.

*Age is calculated as the completed age as on the last birthday.

The policy will be issued for 1 year / 2 years period after which it needs renewal.

• Optima Plus gives you an option to opt for a full-fledged 5 lakh Indemnity Health insurance policy provided that you:
  • Enroll with us for first time under this policy before the age of 50 years and have renewed with us continuously and without interruption.
  • Opt for conversion between 58 - 60 years of age at the time of renewal only.
• You will be offered portability for waivers of waiting periods to the extent of benefits covered in this policy.