Health Insurance – Critical Illness

Why you need it ...?

Today we live in a fast paced and progressive world that sometimes takes away more that it gives. Changing lifestyles are making Indians increasingly fall prey to the non-communicable critical illnesses such as cancer, heart stroke, hypertension, diabetes etc. These critical illnesses are always associated with an increased cost of treatment along with a long and expensive recovery process. A basic health insurance policy may not be sufficient to cover all medical costs, especially in case of critical illness or accident which require a long term treatment. This financial burden needs to be supported by a special financial protection plan, Optima Vital is our unique critical illness insurance policy that protects you financially in the event of any of the listed critical illnesses occurring.

Key Benefits

Optima Vital insurance will pay you a lumpsum amount for the 37 identified critical illness, medical events or surgical procedures.

• • This amount is payable on confirmed diagnosis with defined severity of the illness or the date of undergoing specified surgery in respect of that critical illness.

• • An e-opinion is also provided, in case required, from Our panel doctor in respect of a critical illness.

• • You are eligible to receive the benefit amount in addition to any payment received from another insurance policy.

  • • • The policy offers you lifelong renewal.(The policy shall terminate on first occurrence of any one of the defined critical illness.) Sum insured would range from: Rs. 100,000 to Rs. 5,00,000 in multiples of 1 Lac and thereafter till Rs. 50,00,000 in the multiple of 5 lacs. The maximum sum insured available above 55 years of age is restricted upto Rs. 20,00,000.

  Optima Vital insurance will pay the insured person the sum insured as a lumpsum amount for the identified critical illness, medical events or surgical procedures listed below

  (The Insured Person must survive 30 days from the date of confirmed diagnosis and defined severity)

  • 1. Cancer of specified severity
  • 2. Kidney failure requiring regular dialysis
  • 3. Multiple sclerosis with persisting symptoms
  • 4. End stage liver disease of specified severity
  • 5. First heart attack of specified severity
  • 6. COMA of specified severity
  • 7. Major burns
  • 8. Goodpasture’s syndrome
  • 9. Apallic syndrome
  • 10. Aplastic anaemia
  • 11. Systemic lupus erythematosis
  • 12. Bacterial meningitis
  • 13. Multiple system atrophy
  • 14. Progressive scleroderma

  (Insured person must survive 30 days from the date of actual undergoing of the below procedures)

  • 15. Open chest CABG
  • 16. Major organ/bone marrow transplant
  • 17. Aorta graft surgery
  • 18. Open heart replacement or repair of heart valve
  • 19. Pneumonectomy
  • 20. Pulmonary artery graft surgery

  (Insured Person must survive 90 days from the date of confirmed diagnosis of below defined events)

  • 21. Primary parkinson’s disease
  • 22. Alzheimer’s disease
  • 23. Motor neuron disease with permanent symptoms
  • 24. Stroke resulting in permanent symptoms
  • 25. Permanent paralysis of limbs
  • 26. Primary pulmonary arterial hypertension
  • 27. Benign brain tumour [resulting in permanent neurological symptoms]
  • 28. Cardiomyopathy
  • 29. End stage lung disease
  • 30. Brain surgery
  • 31. Progressive supranuclear palsy
  • 32. Creutzfeldt-jakob disease (CJD)
  • 33. Major head trauma
  • 34. Encephalitis

  (Insured person must exhibit permanent impairment for 6 months from the occurrence of the event)

  • 35. Blindness
  • 36. Deafness
  • 37. Total loss of speech