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Optima Super Floater


Optima Super, India's only aggregate top-up health plan for you and your family 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)


  • You are covered for higher hospitalization expenditures that may occur throughout the year
  • 144 Day care treatments are covered
  • Get 7.5% discount by opting for two years policy
  • Family discount of 10% is available
  • Option of converting this plan into a full-fledged nil deductible plan by using the Waiver of Deductible benefit without any Medical
  • Life long policy renewal is available
  • 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 and diet and lifestyle
  • Tax rebate available as per provision of Income Tax Rules under section 80-D


Room Rent Limit
No Limit
Pre-Hospitalization Expenses
60 days
Post Hospitalization Expenses
90 days
Minimum Hospitalization Period
24 Hrs
Day Care Procedure Coverage
144 procedures covered
Pre-Existing Disease / Illness coverage
After 48 months, 24 months for specific diseases
Waiting Period for New Policy
30 days
Ambulance Expenses
Up to 2000
Donor Expenses
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