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CLAIMS SETTLED Rupees 2,913 Crores Claims Settled from Inception till June 2017.
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  • Uncomplicated health plan for you and your family that provide daily cash benefit in event of hospitalisation
  • Buy online and get upto 25% discount
  • Coverage for additional expenses like attendant’s food, travel and accommodation
  • Less paperwork
  • No pre-policy check-up
  • No medical bills required for claim
  • Save Tax under section 80 D of income tax act
More about Optima Cash
Optima Cash uncomplicates health care for you and your family. It pays daily cash benefit in the event of hospitalization. This payment can be used for any medical or non-medical expense you may have during hospitalization.
How Optima Cash Uncomplicates
  • In the event of hospitalization, Optima Cash will pay you to a lumpsum amount which can be utilized towards hospitalization expenses or additional expenses like attendant’s food, travel and accommodation which are normally not covered under other hospitalization Insurance plans.
  • Less paper work, no submission of medical bill and no pre policy check up makes Optima Cash an easy to choose and easy to use health insurance plan which also offers tax benefit under section 80 D of Income Tax act.
Get upto 25% Discounts*
  • With Optima cash you can now avail a discount of 5% for purchasing the policy online.
  • Add two or more people to your policy and get an additional 10% family discount.
  • Get a further 10% discount by opting for two years policy.
* conditions apply
A QUICK RUN THROUGH THE FEATURES OF 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 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 per policy year.
1 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.
1 e) Convalescence Cash^^ Lumpsum amount paid if insured person is hospitalised beyond 7 continuous days. Payable once per policy year
1 f) Child Birth+ Lumpsum amount equivalent to twice the Daily Cash amount for maternity to female Insured in event of child birth. Payable twice during the life time of the insured.
1 g) Parent Accommodation^^ Daily Cash amount for parent’s accommodation if the Insured child is aged 12 years or less and is hospitalised for more than 72 hours. Maximum up to 30 days per policy year.
* Benefit 1a ii) sublimit under 1a i)
# Benefit 1b ii) sublimit under 1b i) 
^ In addition to benefits 1b i) and 1b ii)
^^ In addition to benefits 1a i), 1a ii), 1b i) and 1b ii)
+ waiting period of 2 years for availing this benefit.
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