First of a kind Optima Restore plan offers a unique Restore benefit that automatically reinstates the basic sum insured in case you exhaust it in a policy year.
| Title |
Description |
| Ambulance Expenses |
Up to 2000 |
| Automatic Restoration of Sum Insured |
Yes, Once in a policy year |
| Daily Hospitalization Allowance |
Covered |
| Day Care Procedure Coverage |
Covered |
| Donor Expenses |
Covered |
| Free Health Checkup |
For SI 3 Lakh NA, For SI 5 Lakh Rs 1500, For SI 10 Lakh Rs 2000, For SI 15Lakh Rs 4000, For SI 20 Lakh, 25 Lakh, 50 Lakh Rs 5000 |
| Minimum Hospitalization Period |
24 Hrs |
| No Claim Bonus |
Up to 50% of basic sum insured, Max 100% |
| Post Hospitalization Expenses |
180 days |
| Pre-Existing Disease / Illness coverage |
After 36 months, 24 months for specific diseases |
| Pre-Hospitalization Expenses |
60 days |
| Room Rent Limit |
No Limit |
| Waiting Period for New Policy |
30 days |
