Optima Super Insurance

• You are looking to increase your current individual health insurance coverage or add to your current company provided coverage.
• You have a company provided cover that may cease due to retirement or change of job. Invest little now and switch when you need.
• You are only looking for coverage over a specified rupee amount.

Sum Insured Options (in Rs.)

500,000

700,000

10,00,000


Deductible Options (in Rs.)

100,000	200,000	300,000	400,000
500,000	600,000	700,000	10,00,000

• 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 144 day care procedures which do not require 24 hours hospitalisation.
• Organ Donor - Medical expenses for harvesting of the organ donated to the Insured person.
• Ambulance Service - Expenses up to Rs. 2000 per hospitalisation.

Waiver of Deductible

• Optima Super gives its customer an unique option of converting into a full-fledged nil deductible plan by using the Waiver of Deductible benefit. It is hassle free with no underwriting or medical tests. This benefit comes with added advantage like:
  • Reduction in Waiting Period : You bid goodbye to tiresome waiting periods (whether it’s the initial 30 days or 2 years for specific diseases or pre-existing conditions) by the number of years you have completed with us.
  • This option for waiver of Deductible (Switch benefit) can be exercised by you only at the time of renewal between the age of 55 and 60 years or at the beginning of 6th policy year; provided that it has been bought before 50 years of age and has renewed with us continuously and without any interruption
• You will be offered portability for waivers of waiting periods to the extent of benefits covered in this policy.

• This policy covers persons in the age group 91 days to 65 years. The maximum age at entry is upto 65 years
• Dependent children between 91 days to 5 years can be covered if either parent is covered under the same policy.
• There is no maximum cover ceasing age on renewals.
• This policy can be issued to an individual and/or family.
• The family includes self, spouse, dependent children and dependent parents.
• In a family floater policy, a maximum of 2 adults and a maximum of 2 children can be included in a single policy. The 2 adults can be a combination of Self, Spouse, Father or Mother.
• In a family floater the age of the eldest member will be considered while computing premium for the family.
• In an individual policy, a maximum of 6 members can be added in a single policy, a maximum of 4 adults and a maximum of 5 children can be included in a single policy. The 4 adults can be a combination of Self, Spouse, Father or Mother.

• All treatments within the first 30 days of cover except any accidental injury.
• Any preexisting condition will be covered after a waiting period of 4 years.
• Expenses arising from HIV or AIDS and related diseases.
• Congenital diseases, mental disorder or insanity, cosmetic surgery and weight control treatments.
• Abuse of intoxicant or hallucinogenic substances like intoxicating drugs and alcohol.
• Hospitalization due to war or an act of war or due to a nuclear, chemical or biological weapon and radiation of any kind.
• Pregnancy, dental treatment, external aids and appliances.
• 2 years waiting period for specific diseases like cataract, hernia, joint replacement surgeries, surgery of hydrocele etc.
• Items of personal comfort and convenience.
• Experimental, investigative and unproven treatment devices and pharmacological regimens.

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