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Health Insurance – Top Up Policy

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.

  • a. In-patient Treatment - Hospitalisation expenses due to an illness or accident.

  • b. Pre-Hospitalisation - Medical expenses incurred in 60 days immediately before hospitalisation.

  • c. Post-Hospitalisation - Medical expenses incurred in 90 days immediately after discharge from hospital.

  • d. Day care procedures - Coverage for enlisted 144 day care procedures which do not require 24 hours hospitalization.

  • e. Organ Donor - Medical expenses for harvesting of the organ donated to the Insured person.

  • f. Ambulance Service - Expenses up to Rs. 2000 per hospitalization.

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