Health Insurance - Critical Illness
Lump-Sum Financial Payout for 37 Identified Major Critical Illnesses & Surgeries
Critical Illness Insurance (Optima Vital) pays a 100% lump-sum cash amount upon confirmed diagnosis or surgery for 37 identified critical illnesses, enabling policyholders to cover expensive medical treatments, specialized recovery, and family financial stability.
Changing lifestyles increase exposure to critical illnesses like cancer, heart attack, and stroke. Optima Vital benefits are paid in addition to any existing health insurance policy, with Sum Insured options from ₹1 Lakh to ₹50 Lakhs and panel doctor E-opinions.
Health Insurance - Critical Illness Details & Add-On Covers
Optima Vital Key Plan Features
- * Lump-sum payout for 37 identified critical illnesses, medical events & surgeries
- * Payable on confirmed diagnosis regardless of actual hospital bill amount
- * Benefit is paid IN ADDITION to any other existing health insurance policies
- * Panel doctor E-opinion service provided for critical illness cases
- * Sum Insured from ₹1 Lakh to ₹50 Lakhs (up to ₹20 Lakhs above 55 years of age)
- * Lifelong Renewal option available
Covered 37 Critical Illness Categories
- * Major Perils (30-Day Survival): Cancer, Kidney Failure, Heart Attack, Coma, Major Burns, Liver Disease, Multiple Sclerosis
- * Surgical Procedures (30-Day Survival): Open Chest CABG, Heart Valve Repair, Aorta Graft, Organ/Bone Marrow Transplant
- * Neurological & Degenerative (90-Day Survival): Stroke, Parkinson's, Alzheimer's, Paralysis, Brain Surgery, Benign Brain Tumour
- * Permanent Impairment (6-Month Impairment): Blindness, Deafness, Total Loss of Speech
Key Benefits & Highlights
What Is Covered Under Health Insurance - Critical Illness
- Cancer, First Heart Attack, Kidney Failure & Coma
- Open Chest CABG, Organ / Bone Marrow Transplant & Heart Valve Surgery
- Stroke, Permanent Paralysis, Parkinson's & Alzheimer's Disease
- Benign Brain Tumour, Major Head Trauma & Brain Surgery
- Blindness, Deafness & Total Loss of Speech
Why Choose Dattani Insurance for Health Insurance - Critical Illness?
With over 20 years of risk management experience led by Chief Insurance Advisor Jay Dattani (United India Insurance Co. Ltd.), we prioritize honest, need-based advising over selling generic policies. We guide you through policy comparison, optimal sum insured valuation, and dedicated claim settlement assistance.
Frequently Asked Questions
How many critical illnesses are covered under Optima Vital?
Optima Vital covers 37 identified critical illnesses, surgeries, and medical conditions divided across diagnosis, surgical, and neurological categories.
Is the payout made even if I have another Mediclaim policy?
Yes, the lump-sum Critical Illness payout is made directly to you regardless of claims reimbursed by any other health insurance policy.
