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Optima Vital Individual health policy


Today we live in a fast paced and progressive world. Along with development our modern life is also accompanied with increasing stress, lack of diet or proper exercise. Owing to this we are now more vulnerable to non-communicable diseases; these critical illnesses are always associated with an increased cost of treatment along with a long and expensive recovery process. This financial burden needs to be supported by a special financial protection plan, Optima Vital is our unique Critical Illness insurance policy that protects you financially in the event of any of the listed critical illnesses occurring.

Eligibility
  • We offer coverage from the age of 18 years onwards with maximum entry age of 65 years. A dependent child can be covered from 18 years upto 25 years provided both parents are covered in a critical illness plan of an Indian Insurer.
  • You and/ or your family members namely spouse, dependent children, dependent parents are eligible for buying this cover on individual sum insured basis.
  • Maximum 6 members can be added in a single policy. In an individual policy, a maximum of 4 adults and a maximum of 5 children can be included in a single policy.
  • Your premium at renewal may change due to a change in your age or changes in the applicable tax rate.
  • The policy period options include period of 1 or 2 years(s). (We offer 7.5% discount if you opt for a 2 year policy)

Plan Benefits

  • Optima Vital Insurance will pay you a lump sum amount for the identified critical illness, medical events or surgical procedures. This amount is payable on confirmed diagnosis with defined severity of the illness or the date of undergoing specified surgery in respect of that Critical Illness  and the insured surviving the defined survival period.

Other Benefits

  • E-opinion - On request of the Insured person diagnosed with a crticial illness, We will arrange for a second opinion from a medical practitioner selected by the insured person from Our panel. This benefit can be availed once in a policy year.
  • Portability - If you are insured with some other company’s health insurance and you want to shift to us on renewal, you can. Our Portability Policy is customer friendly and aims to achieve the transfer of most of the accrued benefits and makes due allowances for waiting periods etc.
  • Tax Benefit - With the Critical Illness Insurance Plan you can currently avail tax benefits for the premium amount under Section 80D of the Income Tax Act. (Tax benefits are subject to changes in Tax Laws).
  • Sum Insured Enhancement - Sum Insured can be enhanced only at the time of renewal subject to no claim have been lodged/ paid under the policy. If the insured increases the sum insured the case shall be subject to medicals. In case of increase in the sum insured waiting period will apply afresh in relation to the amount by which the sum insured has been enhanced. However, the quantum of increase shall be at the discretion of the company.
Renewal Policies
  • Our Optima Vital policy offers lifelong renewability i.e there is no maximum cover ceasing age in this policy
  • Grace Period of 30 days for renewing the policy is provided under this policy.
  • Waiting periods as mentioned in the policy wording gets reduced by 1 year on every continuous renewal of your Optima Vital Insurance policy.
  • Renewal premium are subject to change with prior approval from IRDA. Any change in benefits or premium (other than due to change in age) will be done with the approval of the IRDA and will be intimated atleast 3 months in advance.
Exclusions
  • All illnesses & treatments within the first 90 days of the cover
  • Any pre-existing condition will be covered after a waiting period of 48 months
  • Any critical illness in presence of HIV infection and / or any AIDS
  • Congenital internal and external diseases, defects or anomalies.
  • Abuse of intoxicant or hallucinogenic substances like intoxicating drugs and alcohol
  • War or an act of war or due to a nuclear, chemical or biological weapon and radiation of any kind
  • Any treatment arising from pregnancy (including voluntary termination), miscarriage, maternity or birth (including caesarean section)

Please refer to the Policy Wording for the complete list of exclusions.



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customercare@saubhagyaenterprises.in
      
      Contact us at: 011-22571217