Plan Details

Optima Plus Top Up
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Optima Plus offers to cover you for higher hospitalization expenditures at nominal premium. It is the only plan in India that offers an option to convert to a fully-fledged nil deductible health insurance plan on retirement


  • Option to convert the plan to a fully fledged indemnity health insurance plan available only at renewal between 58-60 years
  • 140 Day care treatments are covered.
  • Get 7.5% discount by opting for two years policy
  • Domiciliary treatment expenses are also covered.
  • Life long policy renewal is available
  • Tax rebate available as per provision of Income Tax Rules under section 80-D
  • Family Discount of 10% if 2 or more family members are covered under the same policy.
Title Description
Room Rent Limit No Limit
ICU Daily Rent Limit No Limit
Pre-Hospitalization Expenses 60 days
Post Hospitalization Expenses 90 Days
Minimum Hospitalization Period 24 Hrs
Day Care Procedure Coverage 140 procedures covered
Pre-Existing Disease / Illness coverage After 24 months for specific diseases or pre-existing conditions
Waiting Period for New Policy 30 days
Ambulance Expenses Up to 2000 per hospitalisation
Donor Expenses Covered