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Health Insurance & Medical Insurance India
Plans > Health Insurance Plans > Family > Optima Restore Family

Our first of a kind Optima Restore plan offers a unique Restore benefit that automatically reinstates the basic sum insured in case you exhaust it in a policy year. Sure it sounds too good to be true but here is how it works: If one of the family members exhaust the floater sum insured during the year and any other family member falls ill later during the same insured period, we will restore the entire amount at no extra charge.

It also rewards you with a multiplier benefit in case you don’t claim in the policy. The multiplier benefit doubles your basic sum insured in 2 claim free years!


         
Eligibility
  • We offer coverage from the age of 5 years onwards with maximum entry age of 65 years. A dependent child can be covered from the 91st day (if both parents are covered under this policy).
  • You and/ or your family members namely spouse, dependent children, dependent parents are eligible for buying this cover on floater sum insured basis.
  • Maximum 4 members can be added in a floater policy with a maximum of 2 adults and 2 children in a single policy.
  • Your premium at renewal may change due to a change in your age or changes in the applicable tax rate.
  • The policy period options include period of 1 or 2 years(s). (We offer 7.5% discount if you opt for a 2 year policy)
Benefit

Plan Benefits

  • In-Patient Hospitalisation - The medical expenses for coverage for hospitalization of more than 24 hrs with no room rent limits.
  • Pre-Hospitalisation - The medical expenses that you incur due to illness during 60 days immediately before you are hospitalized.
  • Post-Hospitalisation - The medical expenses you incur in the 180 days immediately after you are discharged from hospital.
  • Day-Care Procedures - The medical expenses for enlisted 140 day-care procedures, which do not require 24 hours hospitalization due to technological advancement, are covered.
  • Domiciliary Treatment - The treatment expenses involved in getting a treatment done at home which otherwise would need hospitalization.
  • Organ Donor - Treatment expenses for the organ donor at the time of organ transplant.
  • Emergency Ambulance - Expenses incurred if ambulance service is used on the way to hospital for hospitalization (up to Rs. 2000).
  • Restore Benefit - Automatic re-instatement of the basic sum insured, if the basic sum insured and multiplier benefit has been exhausted during the policy year. Basic sum insured will be re-instated only once in a policy year.

Other Benefits

  • Multiplier Benefit - You get a bonus of 50% of the basic sum insured for every claim free year accumulating up to 100%. (In the event of a claim, the bonus shall be reduced by 50% of the Basic Sum Insured at the time of renewal).
  • Cashless Service - You need to obtain a pre-authorization for all planned admissions atleast 48 hours prior to actual admission or regularize any ‘emergency’ admission within 24 hours post the admission. The details of the process and the documentation requirements are given in the guide-book sent along with the policy.
  • Sum Insured Enhancement - Sum Insured can be enhanced only at the time of renewal subject to no claim have been lodged/ paid under the policy. If the insured increases the sum insured one grid up, no fresh medicals shall be required. In cases where the sum insured increase is more than one grid up, the case shall be subject to medicals. In case of increase in the sum insured waiting period will apply afresh in relation to the amount by which the sum insured has been enhanced. However, the quantum of increase shall be at the discretion of the company.
  • Portability - If you are insured with some other company’s health insurance and you want to shift to us on renewal, you can. Our portability policy is customer friendly and aims to achieve the transfer of most of the accrued benefits and makes due allowances for waiting periods etc.
  • Tax Benefits - With the Optima Restore floater Health Insurance Plan you can presently avail tax benefits for the premium amount under Section 80D of the Income Tax Act. (Tax benefits are subject to changes in Tax Laws)
Stay Healthy Package

With increasing stress levels and work pressure, we help you take care of your wealth by managing your health! We bring to you our “Stay Healthy” Program that offers

  • Online health assessment
  • Customized diet & exercise plan from our experts
  • E- storage facilities to store your medical reports for 24X7 access
  • Great offers & discounts on heath products & services
  • Set alerts to track your health appointments and medicinal intake
  • Exclusive health newsletter & helpline services

And lots more....

The above benefits are offered for policies with sum insured greater than 5 lacs.

In addition, Health Line Services & Discounts at our listed partner’s network are provided in all sum insured – You just need to call us and quote your customer ID to reach our experts and avail their help in primary consultation, health-related counseling, individual referrals, health information, nutrition and diet.

Renewal Policies
  • Our Optima Restore policy offers lifelong renewability i.e there is no maximum cover ceasing age in this policy
  • Grace Period of 30 days for renewing the policy is provided under this policy.
  • Waiting periods as mentioned in the policy wording gets reduced by 1 year on every continuous renewal of your Optima Restore Insurance policy.
  • Renewal premium are subject to change with prior approval from IRDA. Any change in benefits or premium (other than due to change in age) will be done with the approval of the IRDA and will be intimated atleast 3 months in advance.
Exclusions
  • All treatments within the first 30 days of cover except any accidental injury.
  • Any pre-existing condition will be covered after a waiting period of 3 years.
  • 2 years waiting period for specific diseases like cataract, hernia, joint replacement surgeries, surgery of hydrocele etc.
  • 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.
  • Items of personal comfort and convenience.
  • Experimental, investigative and unproven treatment devices and pharmacological regimens.

Please refer to the Policy Wording for the complete list of exclusions.


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