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Optima Restore Individual


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.


  • Restore Benefit Equal to 100% of Basic Sum Insured.
  • Multiplier benefit increases the insurance cover by 50% for one claim free year and then get double sum insured as no cliam bonus.
  • Get Critical Advantage Rider as on optional cover for treatment expenses for 8 major illnesses.
  • No loading on renewal premiums if a claim is made.
  • Get Emergency Air Ambulance Cover up Sum Insured.
  • Daily Cash benefit for shared Accommodation.
  • Get 7.5% discount by opting for two years policy
  • Life long policy renewal is available
  • An E-opinion is also provided, from our empanelled Doctors in respect of a Critical illness
  • Healthline service is also available free of cost which includes primary consultation, health related counseling, Nutrition and Diet
  • Free Health Risk Assessment which helps to profile your health status and provide recommendations on nutrition, diet and lifestyle
  • Tax rebate available as per provision of Income Tax Rules under section 80-D
  • No sub Limit on Room Rent.
  • Get treated on a cashless basis across 4000 hospitals in over 800 cities.


Room Rent Limit
No Limit
Pre-Hospitalization Expenses
60 days
Post Hospitalization Expenses
180 days
Minimum Hospitalization Period
24 Hrs
Day Care Procedure Coverage
Automatic Restoration of Sum Insured
Yes, Once in a policy year
Pre-Existing Disease / Illness coverage
After 36 months, 24 months for specific diseases
Waiting Period for New Policy
30 days
Free Health Checkup
After 2 continuous policy years, for sum insured above 1500000
Ambulance Expenses
Up to 2000
Daily Hospitalization Allowance
Donor Expenses
No Claim Bonus
Up to 50% of basic sum insured, Max 100%
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