Unique Benefits of Optima Secure Health Insurance

Health insurance is an extremely valuable asset for your family and yourself. Health insurance helps mitigate your financial burden at the time of a medical emergency. It covers the cost of hospitalisation, medical tests, medical treatments and ancillary costs such as doctor visits, day treatment at a hospital and even road and air ambulance expenses. These features are offered as both part of individual plans and family floater plans. While many health insurance plans in the market offer these features, Optima Secure stands out. It provides unique benefits to its customers regardless of the base sum insured. Additionally, it offers renewal discounts and lifelong renewal benefits, including reduced waiting periods as you continue your policy.

What are some unique features offered by Optima Secure?

1. Secure Benefit

Secure Benefit provides additional coverage of up to 100% of the base sum insured immediately upon purchase at no extra charge. This additional amount can be used for any number of admissible claims.

2. Plus Benefit

Plus Benefit doubles your coverage in two years, irrespective of claims.

3. Automatic Restore Benefit

This benefit replenishes up to 100% of your base sum insured for subsequent claims, for any illness or any insured person.

4. Protect Benefit

Protect Benefit allows cashless coverage for non-payable items such as PPE kits, gloves, masks, food charges and other consumables during hospitalisation.

Optima Secure is a step ahead of other health insurance plans due to its extensive basket of features provided irrespective of the sum insured. In addition to hospitalisation and doctor visits, the plan highlights include the following:

● Domiciliary Hospitalisation

Hospitalisation at home due to non-availability of hospital beds or the patient’s condition is known as domiciliary hospitalisation. It involves hospital-grade equipment, medical personnel, and may also include setting up a home ICU.

● Organ Donor Expenses

Expenses involved in harvesting organs from a donor to be transplanted to the recipient are covered under the Optima Secure policy.

● AYUSH Treatment

Alternative treatment options such as Ayurveda, Yoga, Unani and other AYUSH systems are covered.

● Daily Cash for Shared Rooms

A daily cash allowance is provided for shared hospital rooms for every 24-hour continuous hospital stay after the initial 48 hours.

● E-Opinion for Critical Illness

An expert medical e-opinion is available for a defined list of 51 critical illnesses from a network hospital.

● No Claim-Based Loading

There is no increase in premium at renewal due to previous claims or illnesses.

Optima Secure aims to provide maximum financial security to its policyholders. To make the plans more affordable, several discounts are offered.

1. Aggregate Deductible Discount

This option allows you to increase the sum insured at a lower premium. Any amount above the deductible is borne by Optima Secure.

The following discount will be applicable on the Policy premium:

Deductible Amount	Base Sum Insured up to 20 Lakhs	Base Sum Insured above 20 Lakhs
25,000	25%	15%
50,000	40%	30%
100,000	50%	40%

2. Online Discount

A 5% discount is available if the policy is purchased through the company’s website or mobile application.

3. Family Discount

A 10% discount is offered when two or more family members are covered under the same individual policy.

4. Loyalty Discount

Customers with an existing Optima retail policy with a premium above INR 2000 are eligible for a 2.5% discount on subsequent policies.

5. Long-Term Policy Discount

A discount of 7.5% is available for a 2-year policy term, and 10% for a 3-year policy term.

Disclaimer: The above information is for illustrative purposes only. For complete details, please refer to the policy wording and prospectus before making a purchase decision.