Global Plans under my:Optima Secure for your family

Sum Insured for Optima Secure Global Plan is 1 Cr and 2 Cr. Sum Insured for Global Plus Plan is 25L, 50L, 75L, 1 Cr and 2 Cr.

There is no separate sum Insured for these Global Plans and hence sum insured opted is common for both treatments within and outside India.

The Optima Secure Global plan provides coverage within India and also provides coverage for the below listed medical expenses incurred on emergency medical treatments outside India. Hospitalization Expenses, AYUSH Treatment, Organ Donor Expenses, Emergency Air Ambulance, Protect Benefit, Plus Benefit and E Opinion for Critical Illness

The Optima Secure Global Plus plan provides coverage within India and also provides coverage for the below listed medical expenses incurred on planned and/or emergency medical treatments outside India. Hospitalization Expenses, AYUSH Treatment, Pre and Post hospitalization medical expenses ,Organ Donor Expenses, Emergency Air Ambulance, , Protect Benefit, Plus Benefit and E Opinion for Critical Illness

The maximum liability under Global and Global Plus plan shall not exceed the sum of Base Sum Insured and Plus Benefit (if applicable) for Treatments outside India, however for claims within India, the maximum liability in a policy year shall not exceed the sum of Base Sum Insured, Plus Benefit (if applicable) and Secure Benefit (if applicable), Restore Benefit (if applicable).

Aggregate Deductible if opted will apply for hospitalizations within India and will not be applicable for any claim expenses incurred outside India.

However, a Per Claim Deductible of INR 10,000 will apply separately for each and every claim under Global Plans of my: Optima Secure for treatments taken outside India (except for E Opinion for Critical Illness).

Claims shall normally be payable on Reimbursement basis only. Cashless facility may be arranged on case to case basis.

A waiting period of 30 days is applicable for any treatment except accidental Injury, a 24 month waiting period is applicable for Specified illness and surgical procedures and a 36 months waiting period is applicable for pre-existing diseases.

This optional cover provides economy class airfare and accommodation expenses of the Insured's accompanying person, and economy class airfare for insured person basis plan chosen.

There are 4 add-ons filed with this product which you can avail at the time of purchasing the policy. List of add-ons are as mentioned below:

1) my: health Critical Illness Add On

2) my: health Hospital Cash Benefit Add On

3) individual Personal Accident Rider

4) Unlimited Restore (Add on)

5) Optima Wellbeing (Add on) : Covers expenses for various outpatient benefits.