my:Optima Secure Lite Health Insurance Plan

Individual Personal Accident (IPA) Rider

This feature promises a lump sum payout to the policyholder in case of accidental death, or permanent or partial disability for a nominal increase in the premium providing IPA Rider 5 times the base plan sum insured max. up to INR 1 Crore.

Optima Well-being

This add-on feature provides an integrated cashless OPD healthcare solution where you can get unlimited in-clinic & tele consults with networked GPs, home sample collection, unlimited access to fitness classes and more. You can avail of these features exclusively through Here. app.

Critical Illness Add-on

For a little increase in your premium, you can get a lump sum payout on diagnosis of any of the listed 51 critical illnesses including various types of cancers, stroke, paralysis and more.

Hospitalisation Expenses

The plan covers medicines, investigative treatments and diagnostic procedures along with surgeon, anaesthetist, medical practitioner, consultants, specialist fees along with other expenses as mentioned in the policy.

Pre and Post Hospitalisation

Instead of the 30&90 days availed normally, get 60 & 180 days of pre and post-hospitalisation medical expenses covered for seamless recovery.

All Day Care Treatments

Medical treatments or surgeries taken under general or local anaesthesia completed within 24 hours are covered under this plan. All modern treatments and robotic surgeries are covered upto Sum Insured under this plan, except for cosmetic or experimental procedures.

Organ Donor Expenses

The plan covers the cost of the organ donor’s hospitalization for harvesting of the donated organ where an insured person is the recipient.

AYUSH Treatment

Respecting your belief in alternate medicine we cover medical expenses for inpatient care* under Ayurveda, Yoga & Naturopathy, Unani, Siddha, Homeopathy in an AYUSH hospital where the stay exceeds 24 hrs.

Domiciliary Hospitalization

If prescribed in writing by the treating medical practitioner medical expenses incurred for availing medical treatment at home is covered if the insured cannot be moved/admitted to a hospital or due to non-availability of room in a hospital.

Daily Cash for Shared Room

If admitted in a network hospital on shared accommodation for more than 48 hrs, the plan entitles the insured to a fixed daily cash amount for out-of-pocket expenses. It can go up to INR 800 per day max. up to INR 4800.

Ambulance charges

Under the my:Optima Lite plan road ambulance charges are covered and air ambulance charges up to 5 lac per hospitalisation can be claimed.

Unlimited Restore

This plan provides unlimited instant addition of 100% of base SI upon complete or partial utilization of the sum insured. The restored amount shall be available only for subsequent claims that may arise during the remainder of the policy year for the same or different illnesses or persons covered under the policy.