my: Optima Secure is a unique indemnity health insurance product which covers expenses incurred on hospitalization due to Illness or Accident
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. |