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Optima Vital


Optima Vital is a critical illness health plan which is designed to cover all major illnesses. It helps to supplement the existing health plan in case of any critical illness which may involve huge treatment expenses.


  • Lump sum amount is paid on the confirmed diagnosis of any of 37 specified critical illnesses
  • An E-opinion is also provided, from our empanelled Doctors in respect of a Critical illness
  • Get 7.5% discount by opting for two years policy
  • You are eligible to receive the benefit amount in addition to any payment received from another insurance policy
  • 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
  • A maximum of 6 members can be added in a single policy.


Pre-Existing Disease / Illness coverage
After 48 months, 24 months for specific diseases. Will get reduced by 1 year on every continuous renewal of your Optima Vital policy
Waiting Period for New Policy
90 days
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