Overseas
Travel Secure
Unlimited
Restore
My:Health Hospital
Cash Benefit
Choose Your Health Cover
Select your sum insured
Suiting your budget and requirements, select the coverage you want. For example, let's consider you select a sum insured of ₹1 Cr.
Secure Benefit'*
2X coverage from day 1
Your base cover gets doubled instantly upon purchase, without having the need to claim it. This benefit will instantly increase your ₹1 Cr base cover to ₹2 Cr at no extra cost. This benefit applies in India only
Plus Benefit
100% increase in coverage
On 1st renewal, your base cover increases by 50% after 1 year and 100% after 2 years, making it ₹1.5 Cr and ₹2 Cr respectively. Your total cover now becomes ₹3 Cr i.e 3X of your base cover.
Restore Benefit
100% restore coverage
Anytime you make a claim whether partial or total of ₹1 Cr base cover, it gets 100% restored for any subsequent claims in the same year.This benefit applies in India only
Note: All the above benefits are applicable for claims in India except for plus benefit (which is applicable in India and overseas)
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Hosplitalization Expenses
Hosplitalization Expenses are Covered Worldwide including India
Secure Benefit
Secure Benefit is Covered for India Only
Automatic Restore Benefit
Automatic Restore Benefit isred (Indifor y
Pre and Post Hospitalization
get 60 & 180 days pre and post hospitalisation medical expenses covered. (Iindia Only)
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Global Health Cover (Emergency Treatments)
Global Health Cover (Emergency Treatments) is Covered (Overseas only)
Adventure Sport Injuries
Adventures can give you an adrenaline rush, but when coupled with accidents, it can be hazardous. Our health insurance plan does not cover accidents encountered while participating in adventure sports.
Breach Of Law
We do not cover expenses for treatment directly arising from or consequent upon any insured person committing or attempting to commit a breach of law with criminal intent.
War
War can be disastrous and unfortunate. However, our health insurance plan does not cover any claim that is caused due to wars.
Excluded Providers
We do not cover expenses incurred towards treatment in any hospital or by any Medical Practitioner or any other provider specifically excluded by the Insurer. (Contact us for list of de empanelled hospital)
Congenital External Diseases, Defects Or Anomalies,
We understand that treatment towards congenital external disease is critical however, we do not cover medical expenses incurred for Congenital external diseases defects or anomalies. (Congenital diseases refer to birth defects).
Treatment For Alcoholism & Drug Abuse
Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof remains uncovered.
for Health Insurance
‘Optima Secure Global’ covers hospitalization expenses in India and in addition to that it also covers emergency medical expenses which are diagnosed and incurred outside India.
'Optima Secure Global Plus’ covers hospitalization expenses in India and in addition to that it also covers Planned and Emergency Medical treatments in overseas.
The Optima Secure Global plan provides coverage within India and also provides coverage for the below listed medical expenses incurred on emergency medical treatments outside India. Hospitalization Expenses, AYUSH Treatment, Organ Donor Expenses, Emergency Air Ambulance, Protect Benefit, Plus Benefit and E Opinion for Critical Illness
The Optima Secure Global Plus plan provides coverage within India and also provides coverage for the below listed medical expenses incurred on planned and/or emergency medical treatments outside India. Hospitalization Expenses, AYUSH Treatment, Pre and Post hospitalization medical expenses ,Organ Donor Expenses, Emergency Air Ambulance, , Protect Benefit, Plus Benefit and E Opinion for Critical Illness
Aggregate Deductible if opted will apply for hospitalizations within India and will not be applicable for any claim expenses incurred outside India.
However, a Per Claim Deductible of INR 10,000 will apply separately for each and every claim under Global Plans of my: Optima Secure for treatments taken outside India (except for E Opinion for Critical Illness).
Claims shall normally be payable on Reimbursement basis only. Cashless facility may be arranged on case to case basis.
A waiting period of 30 days is applicable for any treatment except accidental Injury, a 24 month waiting period is applicable for Specified illness and surgical procedures and a 36 months waiting period is applicable for pre-existing diseases.
This optional cover provides economy class airfare and accommodation expenses of the Insured's accompanying person, and economy class airfare for insured person basis plan chosen.
There are 4 add-ons filed with this product which you can avail at the time of purchasing the policy. List of add-ons are as mentioned below:
1) my: health Critical Illness Add On
2) my: health Hospital Cash Benefit Add On
3) individual Personal Accident Rider
4) Unlimited Restore (Add on)
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