Optima Vital Insurance

Optima Vital is our unique critical illness insurance policy that protects you financially in the event of any of the listed critical illnesses occurring.

Benefits
Eligibility
Exclusions
List of critical illness

Optima Vital insurance will pay you a lumpsum amount for the 37 identified critical illness, medical events or surgical procedures.
This amount is payable on confirmed diagnosis with defined severity of the illness or the date of undergoing specified surgery in respect of that critical illness.
An e-opinion is also provided, in case required, from Our panel doctor in respect of a critical illness.
You are eligible to receive the benefit amount in addition to any payment received from another insurance policy.
The policy offers you lifelong renewal.

This policy covers persons in the age group of 18 years onwards. A dependent child can be covered from from 18 years to 25 years provided both parents are covered in a critical Illness policy of an Indian Insurer.The maximum age at entry is 65 years.
There is no cover ceasing age under this policy.
The policy will be valid for a period of 1 or 2 year(s) as opted. A 7.5% discount is offered on opting for a 2 year policy.
An individual and/or his family members namely spouse, dependent children, dependent parents are eligible for buying this policy.
The policy will be issued on individual sum insured basis only.

All illnesses & treatments within the first 90 days of the cover.
Any pre existing condition will be covered after a waiting period of 48 months.
Any critical illness in presence of HIV infection and / or any AIDS.
Congenital internal and external diseases, defects or anomalies.
Abuse of intoxicant or hallucinogenic substances like intoxicating drugs and alcohol.
War or an act of war or due to a nuclear, chemical or biological weapon and radiation of any kind.
Any treatment arising from pregnancy (including voluntary termination), miscarriage, maternity or birth (including caesarean section).

The Insured Person must survive 30 days from the date of confirmed diagnosis and defined severity	Insured person must survive 30 days from the date of actual undergoing of the below procedures
Cancer of specified severity. Kidney failure requiring regular dialysis. Multiple sclerosis with persisting symptoms. End stage liver disease of specified severity. First heart attack of specified severity. COMA of specified severity. Major burns. Goodpasture’s syndrome. Apallic syndrome. Aplastic anaemia. Systemic lupus erythematosis. Bacterial meningitis. Multiple system atrophy. Progressive scleroderma.	Open chest CABG. Major organ/bone marrow transplant. Aorta graft surgery. Open heart replacement or repair of heart valve. Pneumonectomy. Pulmonary artery graft surgery.
Insured Person must survive 90 days from the date of confirmed diagnosis of below defined events	Insured person must exhibit permanent impairment for 6 months from the occurrence of the event
Primary parkinson’s disease. Alzheimer’s disease. Motor neuron disease with permanent symptoms. Stroke resulting in permanent symptoms. Permanent paralysis of limbs. Primary pulmonary arterial hypertension. Benign brain tumour [resulting in permanent neurological symptoms]. Cardiomyopathy. End stage lung disease. Brain surgery. Progressive supranuclear palsy. Creutzfeldt-jakob disease (CJD). Major head trauma. Encephalitis.	Blindness. Major burns. Deafness. Total loss of speech.

Please refer to the policy wording to learn more details regarding the specific definitions and listed conditions required to be fulfilled while accepting a critical illness claim.