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Why does your family need Optima Secure?

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Ms. Sharma and her husband have two kids aged 5 and 7 respectively. They are a young couple, living in Mumbai and have invested their savings in a range of schemes, instruments and life insurance. For medical emergencies, they set aside a small percentage of their collective income every year. It so happened that in early 2020 the Sharmas’ youngest child suffered two serious injuries while playing in a park. The injuries entailed multiple stitches on the head and a fracture of the arm. The injuries required a barrage of expensive tests that needed to be taken both prior and after the treatment for the head and the arm. Their child was hospitalised for 2 nights. The entire episode cost them INR 3 lakhs including follow-up check-ups due to clotting of the stitches on their child’s head. Later, that year Mr Sharma developed kidney stones that required emergency hospitalisation. The total cost of tests, hospitalisation and follow-up visits including daycare treatment post hospitalisation came up to another 3 lakhs that year.

This situation was unprecedented for the Sharmas. Due to the pandemic, their collective income had been set back by 15%. With no health insurance, the 6 lakhs towards healthcare has been spent out of pocket. Had either of them taken minimal cover of INR 5 lakhs a year under a family floater plan with Optima Secure, they would have saved lakhs of rupees in medical expenses. With the automatic restore benefit, the sum utilised for the medical expense for their younger child would have been replenished for that policy year. Additionally, the secure and plus benefits offered by Optima Secure would have enhanced their medical coverage for that year by another INR 7.5 lakhs.

It is impossible to predict when you or your loved ones may need medical attention due to sudden illness, injury or accidents. We can’t be certain when a health crisis may befall us, but we can be prepared by arming ourselves with health care insurance policies that mitigate the financial burden that comes with unplanned treatments. You may be young with small children. Health and related challenges may be far from your day-to-day lives. But preparing for such contingencies nonetheless, ensures that in the event you do succumb to an injury or accident, you and your family have access to the best medical care out there.

Optima Secure is a trusted name in health insurance. It provides mediclaim policies that are created to protect you and your family in your most vulnerable moments. There are no hidden costs and the terms and conditions break down the policy in simple terms. Optima Secure's policies provide a host of benefits and useful features that include a range of expenses you may have to incur before, during and after hospitalisation. This way, if and when you need to use the insurance, all you have to worry about is getting better, and nothing else.

Why choose Optima Secure for your family?

There are many reasons to pick Optima Secure as the health insurance provider for your family. The Floater Family Plan comes at affordable premiums and covers a raft of medical expenses for the entire family. The maximum entry age is 65 years. There is no maximum cover ceasing age in this Policy. The minimum entry age for a dependent child (i.e. natural or legally adopted) is 91 days and the maximum entry age is 25 years. If two or more family members are covered under an individual policy, Optima Secure offers a discount of 10% on the premium.

Listed below are a few highlights of the Optima Secure plan.

S. No.	Feature	Details
1	Hospitalisation Expenses	Covers all hospitalisation expenses including road ambulance, doctor/surgeon fee, charges for the Operation Room, extra costs for round the clock nursing staff, medication, injections and medical tests, including daycare treatments that require hospitalisation for less than 24 hours.
2	Pre Hospitalisation Expenses	Expenses up to 60 days prior to hospitalisation which includes spends on medical tests, doctor's appointments and medication.
3	Post Hospitalisation Expenses	Post hospitalisation expenses up to 180 days after discharge are covered. From follow-up doctor’s visits, routine check-ups and even day care treatments which require hospitalisation for less than 24 hours.
4	Home Health Care	Medical treatment received at home is covered by the policy.
5	Domiciliary Hospitalisation	Medical expenses for treatment of a condition or injury that would require hospitalisation but was treated at home instead due to lack of availability of beds or a situation where moving the patient to the hospital was not feasible, are reimbursed by the insurer.
6	Organ Donor Expenses	In case you volunteer to have an organ donated to a loved one or family member, the in-patient procedure to harvest the organ will be covered by the policy.
7	AYUSH Treatment	AYUSH's treatment is an umbrella term for alternative treatment options such as Ayurveda, naturopathy, unani, etc. which are also covered under the policy.
8	E-Opinion for Critical Illness	One opinion for a select set of critical illnesses by a medical expert from a network hospital is insured under the policy.
9	Preventive Health Check Up	A preventive routine check up at the end of a policy year is provided to the insured where any number of medical tests can be undertaken within a certain sub limit provided based on the policy you hold.
10	Emergency Ambulance	Air as well as road ambulances are covered under the insurance plan.

 

This isn’t all. Optima Secure provides additional benefits to its customers. There include:

Auto Restore Benefit

If a claim is made in a given policy year, up to 100% of the Base Insurance amount is restored for subsequent illness.

Protect Benefit

The insurance plan provides built-in coverage for expenses such as PPE suits, masks, gloves and other charges for consumables on a cashless basis.

Plus Benefit

Doubles up your coverage in two years, irrespective of claims.

Secure Benefit

Upon purchase, there is additional coverage up to 100% of the sum insured which can be used immediately for any number of admissible claims.

Optima Secure health insurance plans offer lifelong renewal and reduced waiting periods as time goes by, including loyalty discounts and perks such as the Plus Benefit.

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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