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My:optima Secure Floater
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Synopsis:
my: Optima Secure is a unique indemnity health insurance product which covers expenses incurred on hospitalization due to Illness or Accident

Highlight:

  • Base Sum Insured (in Lakhs):- 5/10/15/20/25/50/100/200
  • Policy options:- Family Floater - A maximum of 4 adults and a maximum of 6 children | Individual policy - A maximum of 6 adults and a maximum of 6 children
  • Tenure:- 1 to 3 years
  • Age limit:- The minimum entry age for a dependent child 91 days and maximum entry age is 25, Maximum age for adult 65 years
  • Secure Benefit:- doubles the insurance cover you buy, instantly and automatically. This means that you get a 2X coverage from day 1
  • Plus Benefit:- Base cover increases by y 50% after 1 year, and 100% after 2 years, irrespective of any claims made
Benefit:
Title Description
Room Rent Limit SI less than 50L: Up to single AC private room | SI 50L and above: All room types covered
ICU Daily Rent Limit SI less than 50L: Up to single AC private room | SI 50L and above: All room types covered
Pre-Hospitalization Expenses 60 days, Up to Sum Insured
Post Hospitalization Expenses 180 days, Up to Sum Insured
Minimum Hospitalization Period 24 hours
Day Care Procedure Coverage All Day Care Treatments covered
Additional Cover for Critical Illness My: health Critical Illness Add On with Sum Insured options of Rs. 100,000 to Rs. 500,00,000 in multiples of Rs. 100,000
Automatic Restoration of Sum Insured Up to 100% of Base Sum Insured for any illness any insured person
Pre-Existing Disease / Illness coverage Covered after 36 months
Waiting Period for New Policy 30 days initial waiting period | 24 months waiting period on specific illnesses & surgical procedures
Co-Payment No co-payment shall apply if Insured Person from Tier 2 avails a treatment in Tier 1.
Medical Screening May be required based upon the age and basic sum insured.
Free Health Checkup Individual policy SI 5L: Rs 1500 |SI 10L: Rs2000 |SI 15L: Rs4000 |20L, 25L & 50L: Rs5000 |100L & 200L: Rs8000 ||| Floater policy SI 5L: Rs 2500 |SI 10L: Rs5000 |SI 15L: Rs8000 |20L, 25L & 50L: Rs10000 |100L & 200L: Rs 15000
Ambulance Expenses Road: Up to Sum Insured Air: Up to 500,000
Non-Allopathic Treatments covers in-patient hospitalisation expenses alternate treatment methods viz. Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy.
Daily Hospitalization Allowance my:Health Hospital Cash Benefit (Add-on) INR 500/ INR 1000/ INR 1500 /INR 2000/ INR 2500 / INR 3000 / INR 5000/ INR 7500/INR 10,000 to cover your out-of-pocket expenses.Daily Cash for Choosing Shared Accommodation 800 per day (max up to 4,800)
Donor Expenses Covered up to Sum Insured | reimbursements for medical expenses incurred for organ donor’s in-patient treatment for harvesting of the organ donated.
No Claim Bonus Cumulative Bonus (CB) 10% of the Base Sum Insured in respect of each claim free Policy Year, subject to maximum cap of 100%. If a claim is made in any particular Policy Year, the CB accrued shall be reduced at the same rate at which it has accrued.