Optima Super, India's only aggregate top-up health plan that adds to your existing coverage & also offers an option to convert to a full-fledged nil deductible health insurance plan (at the time when you usually retire).
The double benefits of a Top-up and a Full-Fledged Plan -
As a top-up,
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You are covered for higher hospitalization expenditures that may occur throughout the year
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The premium you pay is nominal
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You enjoy wide in-patient cover, after deductible both on an individual or family floater basis.
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You can renew the policy for life
With the option of converting into a full-fledged nil deductible plan by using the Waiver of Deductible benefit, with no underwriting or medicals.
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You bid goodbye to tiresome waiting periods (whether it’s the initial 30 days or 2 years for specific diseases or pre-existing conditions.)
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Your deductible is waived off and you are covered from the first rupee
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You enjoy cashless hospitalization and wide in-patient cover
A QUICK RUN THROUGH THE FEATURES OF OPTIMA SUPER
|
BENEFIT |
COVERAGE |
|
Sum Insured per Policy per Policy Year |
Rs 500,000; Rs. 700,000; Rs. 1,000, 000 |
|
Deductible (Rs. In Lacs) |
The customer can choose either of the option Rs 100,000; 200,000; 300,000; 400,000; 500,000; 600,000; 700,000; 1,000,000 |
|
In-patient Treatment |
Covered; Hospitalization for minimum 24 hours required. |
|
Pre-hospitalization |
Medical expenses incurred in 60 days immediately before hospitalisation. |
|
Post-hospitalization |
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 hospitalization. |
|
Organ Donor |
Medical expenses for harvesting of the organ donated to the Insured person. |
|
Ambulance Services |
Expenses up to Rs. 2000 per hospitalization. |