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What are the unique benefits of buying Optima Secure?

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Health insurance is an extremely valuable asset for your family and yourself. Health insurance helps mitigate your financial burden at the time of a medical emergency. It covers the cost of hospitalisation, medical tests, medical treatments and ancillary costs such as doctor visits, day treatment at a hospital and even road and air ambulance expenses. These features are offered as both part of individual plans and family floater plans. While a lot of health insurance plans in the market offer these features, Optima Secure is a cut above the rest. It provides unique benefits to its customers regardless of the base sum insured. What’s more, they offer discounts on renewals and lifelong renewal including reduced waiting periods as you continue to extend your policy with them.

What are some unique features offered by Optima Secure?

1. Secure Benefit: Secure benefit provides additional coverage amount up to 100% of the Base Sum Insured immediately upon purchase at no extra charge. This additional amount can be utilized for any number of admissible claims.

2. Plus Benefit: Plus benefit doubles your coverage in two years, irrespective of claims.

3. Automatic Restore Benefit: Restore benefit replenishes up to 100% of your Base Sum Insured for subsequent claims, for any illness or any insured person.

4. Protect Benefit: Go cashless with in-built coverage for non-payable items like PPE kits, gloves, masks, food charges and other consumables during hospitalization.

Optima Secure is a step ahead of other  health insurance plans in the basket of incredible features in providing customers regardless of the sum insured. Apart from hospitalisation and doctor visits, here are some of the highlights of the Optima Secure health insurance plan:

• ●Domiciliary Hospitalisation

  
  Hospitalisation at home due to unavailability of beds or the condition of the patient is called domiciliary hospitalisation. This type of hospitalisation requires the use of hospital beds, medical personnel and other equipment at home. It also includes the setting up of a home ICU.

• ●Organ Donor Expenses

  
  Expenses involved in harvesting organs from a donor patient to be transplanted to the donee patient, are also covered by Optima Secure’s policy.

• ●AYUSH Treatment

  
  Alternative treatment options such as Ayurveda, yoga, unani, etc. are covered by the policy.

• ●Daily Cash for Shared Rooms

  
  A cash stipend for shared rooms in a network hospital is provided for every 24-hour period spent continuously in a hospital after the first 48 hours.

• ●E-opinion for Critical Illness

  
  An e-opinion for a select set of 51 critical illnesses by a medical expert at a network hospital is covered under the policy.

• ●No claim-based loading

  
  There is no premium charged at the time of renewal because of past claims or illnesses.

Optima Secure aims to offer maximum financial security to its beneficiaries. The policy offers a range of benefits including discounts to make its health insurance plans more affordable for everyone.

1. Aggregate deductible discount: This option allows you to enhance your sum insured at a lower premium. Any amount above the deductible will be borne by Optima Secure.

   The following discount will be applicable on the Policy premium:

   
   

   Deductible Amount	Base Sum Insured up to 20 Lakhs	Base Sum Insured above 20 Lakhs
   25,000	25%	15%
   50,000	40%	30%
   100,000	50%	40%

   
   
2. Online discount — 5% discount on the premium if the policy is bought on the company’s mobile application or website.
3. Family Discount — Family discount of 10% if two or more family members are covered under the same Policy under the individual policy option.
4. Loyalty discount — In case you already have an active retail insurance policy with a premium above INR 2000 with Optima, the subsequent policy will be available at a discount of 2.5%.
5. Long term discount — A discount of 7.5% and 10% is offered if the policy is purchased for a 2-year and 3-year term respectively.

Disclaimer:The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.

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