General Insurance

Optima Senior Plan

Eligibility Criteria

Minimum Entry Age 61 years
Maximum Entry Age No limit
 

Benefits

Expert Opinion on Critical Illness

The plan covers the cost of an expert opinion on listed critical illnesses such as cancer or stroke before you decide on the best treatment or procedure.

 

No claim based loading or claim based underwriting

This company will never load your renewal premium or deny your coverage just because an insured person claimed or fell ill after taking the policy.

 
 

Product Features

Key Features

Sum Insured

Sum Insured is the amount of cover provided by the insurance company.
The plan provides a cover of Rs. 2,3 an 5 lakhs.
In-patient hospitalisation

This covers hospitalisation expenses due to an illness or accident.
The plan covers hospital accommodation, charges for stay in Intensive Care Unit, related hospitalization expenses such as surgeon’s fees, nursing, anesthesia, blood, oxygen, operation theater charges, surgical appliances, medicines, drugs and consumables up to the sum insured.
Pre-hospitalisation

It covers the medical expenses due to an illness before the insured is hospitalised.
The plan covers pre-hospitalisation expenses of up to 30 days.
Post-hospitalisation

It covers the medical expenses due to an illness after the insured is discharged from hospitalisation.
The plan covers post-hospitalisation expenses of up to 60 days.
 

Other Features

Day Care Treatments

These are treatments that don’t require a 24-hr hospitalisation and conducted in a hospital or day-care center.
This plan covers the expenses of day care treatments up to Sum Insured.
Ambulance Cover

In case of an emergency, the ambulance charges are covered by the insurance company.
Ambulance expenses up to Rs. 2,000/- hospitalization is covered under this plan.
Daily Cash allowances for shared accomodation

If a patient is in a condition that he cannot be moved to the hospital or there is lack of accommodation in the hospital, he is been treated at home and this process is known as domiciliary hospitalization.
The plan covers domiciliary hospitalization up to Sum Insured.
No-claim Bonus

If the policyholder does not make any claim during the year, he is entitled to a bonus in addition to his sum insured.
With every claim-free year, the plan provides an additional 5% bonus on sum insured.
Organ Donor Cover

The medical expenses for an organ donor's treatment in the event of organ transplantation.
This policy covers the expenses for organ donor’s treatment up to Sum Insured.
 
 

Exclusions

  • Genetic Disorder
  • Sexually transmitted disease or illness
  • Artificial Life Maintenance
  • Mental disorders (including treatments for mental health)
  • Eye Cover
  • Dental Cover
  • Daily Cash
  • Alternative Practice
  • Recovery Benefit