Plans for Individuals
Plans for Families
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.
Post Hospitalization Expenses
Minimum Hospitalization Period
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
Free Health Checkup
After 2 continuous policy years, for sum insured above 1500000
Up to 2000
Daily Hospitalization Allowance
No Claim Bonus
Up to 50% of basic sum insured, Max 100%