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Family Health Optima
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Synopsis:
This is a complete health insurance policy for the family which covers medical expenses incurred by a person due to any illness or injury. There is a considerable saving in premium as the entire family is covered under one policy with single sum insured.

Highlight:

  • All Day Care procedures are covered.
  • Expenses incurred towards Emergency Domestic Medical Evacuation.
  • Coverage for New born Baby
  • Coverage for Domiciliary hospitalization treatments
  • 100% Sum insured will be restored automatically in case of exhaustion of Sum Insured in the policy 3 times in a year
  • Recharge benefit provides additional indemnity up to specified limits, when the sum insured under the policy is exhausted
  • No Medical tests required up to the age of 50 Years
  • Life Long renewal for health insurance
  • Tax rebate available as per provision of Income Tax Rules under section 80-D
Benefit:
Title Description
Ambulance Expenses Up to 750 per hospitalization, Max 1500 per policy year. By AIr For SI of 5 Lac and above 10% of SI
Automatic Restoration of Sum Insured 100% of SI, 3 times in a year
Co-Payment 20% on every claim for age Above 60 yrs.
Day Care Procedure Coverage All procedures covered
Donor Expenses 10% of SI - Max.Rs. 1Lac; Not available for Donor screening and Post-Donation Complications Provided Claim for transplantation Payable
Free Health Checkup Available after every claim free year per policy
ICU Daily Rent Limit For SI 1,00,000 & 2,00,000 :Up to 2,000/- per day For SI 3,00,000 & 4,00,000: Up to 5,000/- per day, For SI 5,00,000 - 25,00,000: Single Standard A/C Room
Medical Screening Above age 50 years
Minimum Hospitalization Period 24 Hrs
New Born Baby Cover Up to 10% sum insured, Max.Rs.50,000
No Claim Bonus 25% of SI for first year and later 10% of SI - every claim free year - Max Accumulation 100% of SI
Non-Allopathic Treatments Covered
Nursing Allowance Covered
Post Hospitalization Expenses 90 days
Pre-Existing Disease / Illness coverage After 48 months
Pre-Hospitalization Expenses 60 days
Room Rent Limit For SI 1,00,000 & 2,00,000 :Up to 2,000/- per day For SI 3,00,000 & 4,00,000: Up to 5,000/- per day, For SI 5,00,000 - 25,00,000: Single Standard A/C Room
Waiting Period for New Policy 30 days