Optima Secure

Hospitalization (24hrs or more)

Hospitalization (24hrs or more)

Health insurance covers all expenses incurred as part of overnight hospital stay for one or more days.

It does not cover expenses of less than 24 hours hospital stay, except for mentioned day-care surgeries that need less than 24 hrs (due to technological advancements).

Covered up to double of sum-insured

Pre-hospitalization

Pre-hospitalization

Medical costs incurred on consultation check-ups, diagnostic lab tests, medication, etc. before getting admitted in a hospital.

Original bills and prescriptions are necessary to claim this benefit.

Covered for up to 60 days before hospitalization (upto ₹5 lakhs)

Post-hospitalization

Post-hospitalization

Medical costs incurred on follow-up consultations, medicines, tests after discharge from the hospital.

Original bills and discharge certificate are necessary to claim this benefit.

Covers medical costs for 180 days after discharge (upto ₹5 lakhs)

Room type / tariff allowed

Up to single AC private room

ICU Charges

No limit on ICU charges, upto ₹5 lakhs

Restoration or Refill benefit

Restoration or Refill benefit

If you run-out of health cover due to exhaustion of basic sum insured amount, the entire amount is refilled.

This refilled amount is available for all claims during the policy year subject to the condition that a single claim cannot exceed the basic sum insured. In case of Chemotherapy & Dialysis, this amount can only be used once in policy lifetime.

You can claim again for same or different illness within a year (upto ₹5 lakhs)

Home hospitalization

Home hospitalization

Medical treatment exceeding 3 days, taken at home because the patient cannot be moved to hospital or due to lack of accommodation at the hospital.

Upto SI(Sum Insured) (if treatment period is greater than 3 days)

Organ Donar cover

Organ Donar cover

Provides for the costs of hospitalization or surgery of the organ donor. Note - organ donor's expenses before and after hospitalization and post-surgery complications are not covered.

Upto ₹5 lakhs (excludes organ donor's pre & post hospitalization expenses)

Non Allopathic (AYUSH) Treatments

Non Allopathic (AYUSH) Treatments

Expenses for Ayurvedic, Unani, Siddha and Homeopathy (AYUSH) treatments are covered upto mentioned limits only if you get hospitalized in government run institutions or hospitals.

Ayurvedic and homeopathic treatments are covered (up to ₹5 lakhs)

Ambulance charges

Upto ₹2,000 per hospitalization in a year

Preventive Health Checkup

Free annual health checkup for all insured members (once every year)

No Claim Bonus (multiplier benefit)

No Claim Bonus (multiplier benefit)

This free multiplier benefit or no claim bonus cover is extra cover received every year

10% extra cover up to SI(Sum Insured) every year when you don't claim

Grace Period

Grace Period

Time period (in days) that you get to make the premium payment for your insurance plan even after your renewal premium due date has passed.

Generally, 15 to 30-day grace period is provided to pay the premium dues. After that, the insurance company can refuse to renew your policy even if you are willing to make the payment.

30 days for renewal

Air Ambulance for emergency care

Air ambulance up to Rs. 5L

Maternity Coverage

Maternity Coverage

Maternity benefits can't be claimed immediately after buying the health policy.

The delivery expenses are generally covered for childbirth after 3 to 4 years.

OPD Cover