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Don’t leave life’s critical bits uncovered

Protect yourself against 37 critical illnesses
with Optima Vital optima vital

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  • Covers 37 Critical illnesses

    Covers 37 Critical illnesses

  • Second Opinion Benefit

    Second Opinion Benefit

  • Health Risk Assessment

    Health Risk Assessment

  • Sum Insured Enhancement

    Sum Insured Enhancement

  • 100% Payout

    100% Payout

The Importance of Critical Illness Insurance

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Have you ever thought about how your life would change if you were diagnosed with a life threatening illness?
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Or had a stroke at work today?
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Who would take care of your kids?
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How would you feel having to tap into your savings or your child’s school funds to pay for the bills and pay for your treatment?
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What if you were diagnosed with Cancer today, or had a heart attack tonight?
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Where would the money come from to receive treatment?
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Tend to your household / family activities?
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How would you supplement your income because you cannot work?

When someone is diagnosed or faces such a tragic illness, they often go into survival mode and don’t think of these things but the reality is you need to. And, it’s better to plan ahead for this then to have the mentality of

“this won’t happen to me”

Because let's face it, the facts are scary

“Sometimes the smallest step in the right direction ends up being the biggest step of your life. Tip Toe if you must, but take a step.” – Naeem Callaway

Why do you need it?

Today we live in a fast paced and progressive world that sometimes takes away more that it gives. Changing lifestyles are making Indians increasingly fall prey to the non-communicable critical illnesses such as



Heart Stroke

Heart Stroke





and many more.

These critical illnesses are always associated with an increased cost of treatment along with a long and expensive recovery process. A basic health insurance policy may not be sufficient to cover all medical costs, especially in case of critical illness or accident which require a long term treatment. This financial burden needs to be supported by a special financial protection plan,

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

Illnesses that are covered

  • done Cancer
  • done Kidney Failure
  • done COMA
  • done Major Burns
  • done Brain surgery
  • done Blindness
  • done Apallic Syndrome
  • done Goodpasture’s Syndrome
  • done Open heart replacement
  • done Systemic Lupus Erythematosis
  • done Apallic Syndrome
  • 7. Major Burns
  • 8. Goodpasture’s Syndrome
  • 9. Apallic Syndrome
  • 10. Aplastic Anaemia
  • 11. Systemic Lupus Erythematosis
  • 12. Bacterial Meningitis
  • 13. Multiple System Atrophy
  • 14. Progressive Scleroderma
  • 15. Open Chest CABG
  • 16. Major Organ/Bone Marrow Transplant
  • 17. Aorta Graft Surgery
  • 18. Open Heart Replacement or Repair of Heart Valve
  • 19. Pneumonectomy
  • 20. Pulmonary Artery Graft Surgery
  • 21. Primary Parkinson’s Disease
  • 22. Alzheimer’s Disease
  • 23. Motor Neuron Disease with Permanent Symptoms
  • 24. Stroke resulting in Permanent Symptoms
  • 25. Permanent Paralysis of Limbs
  • 26. Primary Pulmonary Arterial Hypertension
  • 27. Benign Brain Tumour [resulting in permanent neurological symptoms]
  • 28. Cardiomyopathy
  • 29. End stage Lung Disease
  • 30. Brain Surgery
  • 31. Progressive Supranuclear Palsy
  • 32. Creutzfeldt-Jakob Disease (CJD)
  • 33. Major Head Trauma
  • 34. Encephalitis
  • 35. Blindness
  • 36. Deafness
  • 37. Total Loss of Speech

Eligibility Criteria


Min. age 18 years and Max. age is 65 years


1, 2 YEARS

Relationships covered

Self, spouse, up to 4 children, up to 2 parents

  • 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
  • Any treatment arising from pregnancy (including voluntary termination), miscarriage, maternity or birth (including caesarean section)
Please refer to the Policy Wording for the complete list of exclusions

our 3 Claims Process takes 60 minutes to approve your claim
in 90% of the cases *This is as per the NPS data collected on our website

  • Our Optima Vital 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 Vital 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 at least 3 months in advance.

Frequently Asked Questions

What is Optima Vital?

Optima Vital is an insurance which pays you a lump sum amount on diagnosis of listed 37 critical illnesses
Yes, a health insurance policy will cover your hospitalization expenses and other related medical expenditure, however in case of a critical illness you may need much more than that. The treatment can be long and ongoing which may need more monetary support. You may even not be able to work and the lump sum amount provided by Optima Vital can shield you against such a financial burden.
This policy covers 37 Critical illnesses. It provides 100% Sum Insured on diagnosis of a covered Critical illness. You can also opt for Second E opinion and wellness coach where experts guide you on a path of your health journey.
The below Sum Insured’s are available under this plan— 1Lac, 2Lac, 3Lac, 4Lac, 5Lac, 10Lac, 15Lac, 20Lac, 25Lac, 30Lac, 35Lac, 40Lac, 45Lac, 50Lac
Yes, you have to survive a minimum of 30 days post the diagnosis for illnesses listed under Category-1 and Category-3, 90 days for the illnesses under Category-2 and 6 months for the illnesses listed under Category-4 to get the claim.
You can purchase the policy for yourself and include your spouse, children, and your parents.
The minimum entry age is 18 years and maximum entry age is 65 years.
Yes, you can cover non-earning spouse, children and parents
We offer you an option of buying our health policy for 1 year and 2 years’ term. You can renew your policy at the end of policy term.
A long term discount of 7.5% on premium is applicable on a policy terms of 2 years.
We offer lifetime renewability for this health plan, subject to payment of premium and fulfilment of other policy conditions
Yes, you can request for enhancement of Sum insured at the time of renewal. However, the enhancement is subject to underwriting decision.
There is no cashless facility under this cover as we make lump sum payment up to the sum insured. The received amount can be used by you for any hospitalization/ other expenses.
On first diagnosis of the covered critical illness, we will provide a lump sum amount of sum insured. There is no death benefit provided.