Synopsis:
Optima Super, India's only aggregate top-up health plan 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)
Highlight:
- 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
- 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
Benefit:
Title |
Description |
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 |
covered |