Firstly, you pay a nominal premium for the top-up that helps you cover higher medical spends.Secondly, when you retire (or even at the 6th policy anniversary), it gives you an option to shift to a regular plan with nil deductible.
Optima Super is an aggregate top up plan that allows you to enhance your sum insured as per your need at a lower cost. Unlike many top up plans, you do not have to cross the deductible limits at every claims incidence but can aggregate them during a policy period over multiple hospitalizations.
Optima Super comes with the unique benefit where one can choose to covert the top up plan into a regular (nil deductible) health insurance plan. This makes Optima Super best suited for individuals with group cover and low sum insured policies.
Optima Super also offers a life long Renewal Benefit and comes with the added option of availing a single cover for your entire family (family floater).
The policy pays for the benefits mentioned below, exceeding the deductible opted by you.
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