New Delhi, India
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All your insurance needs in one spot

Optima Restore

Comprehensive Health Insurance is policy which offers exhaustive benefits for the entire family designed to eliminate your health worries. This plan would go a long way in alleviating your financial burden.

Synopsis

First of a kind Optima Restore plan offers a unique Restore benefit that automatically reinstates the floater sum insured in case you exhaust it in a policy year.

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Highlight :

Restoration of the entire Sum Insured if used in the middle of the year at no additional cost

No claim bonus increases the insurance cover by 50% for one claim free year and then 100% for the consecutive claim free year

No sub-limits on hospital room rent or co-pay required

No loading on renewal premiums if a claim is made

Free Health Check up after every 2 Years

Daily Cash benefit to support Miscellaneous expenses

Family discount of 10% is available

Up to 10% discount at Apollo pharmacies

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

Benefit :

Room Rent Limit

No Limit

Pre-Hospitalization Expenses

60 days

Automatic Restoration of Sum Insured

Yes, 100% of S.I

Pre-Existing Disease / Illness coverage

After 36 months, 24 months for specific diseases

Waiting Period for New Policy

30 days

Free Health Checkup

For SI 3 Lakh NA, For SI 5 Lakh Rs 1500, For SI 10 Lakh Rs 2000, For SI 15Lakh Rs 4000, For SI 20 Lakh, 25 Lakh, 50 Lakh Rs 5000

Ambulance Expenses

Up to 2000

Daily Hospitalization Allowance

Covered

Donor Expenses

Covered

No Claim Bonus

Up to 50% of basic sum insured, Max 100%

Day Care Procedure Coverage

All procedures covered.

Post Hospitalization Expenses

180 days

Minimum Hospitalization Period

24 Hrs