Contact me

Plan Details

back
Family Health Optima
Quick Links :
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
  • 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
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
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
Pre-Hospitalization Expenses 60 days
Post Hospitalization Expenses 90 days
Minimum Hospitalization Period 24 Hrs
Day Care Procedure Coverage All procedures covered
Automatic Restoration of Sum Insured 100% of SI
Pre-Existing Disease / Illness coverage After 48 months
Waiting Period for New Policy 30 days
Co-Payment 20% on every claim for age Above 60 yrs.
Medical Screening Above age 50 years
Free Health Checkup Available after every claim free year per policy
Ambulance Expenses Up to 750 per hospitalization, Max 1500 per policy year
Non-Allopathic Treatments Covered
New Born Baby Cover Up to 10% sum insured, Max.Rs.50,000
Donor Expenses 10% of SI - Max.Rs. 1Lac; Not available for Donor screening and Post-Donation Complications Provided Claim for transplantation Payable
Nursing Allowance Covered
No Claim Bonus 25% of SI for first year and later 10% of SI - every claim free year - Max Accumulation 100% of SI