Optima Vital is a critical illness health plan which is designed to cover all major illnesses. It helps to supplement the existing health plan in case of any critical illness which may involve huge treatment expenses.
Lump sum amount is paid on the confirmed diagnosis of any of 37 specified critical illnesses
An E-opinion is also provided, from our empanelled Doctors in respect of a Critical illness
Get 7.5% discount by opting for two years policy
You are eligible to receive the benefit amount in addition to any payment received from another insurance policy
Life long policy renewal is available
Healthline service is also available free of cost which includes primary consultation, health related counseling, Nutrition and Diet
Free Health Risk Assessment which helps to profile your health status and provide recommendations on nutrition and diet and lifestyle
Tax rebate available as per provision of Income Tax Rules under section 80-D
A maximum of 6 members can be added in a single policy.
Pre-Existing Disease / Illness coverage
After 48 months, 24 months for specific diseases. Will get reduced by 1 year on every continuous renewal of your Optima Vital policy
Waiting Period for New Policy
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Contact us with your questions or concerns about privacy on this site
Know that by using our site you are consenting to the collection of
What Information is, or may be, collected from you?
We will collect certain anonymous information in standard usage logs through our Web server, including: computer-identification information obtained from "cookies," sent to your browser from a
Web server and stored on your hard drive
An IP address, assigned to the computer which you use
The domain server through which you access our service
The type of computer you're using
The type of web browser you're using
We may collect the following personally identifiable information about you:
Demographic profile (like your age, gender,occupation and education);
Financial information (like annual income or insurance policy number);
Opinions of features on our websites.
Who collects the information?
We will collect anonymous traffic information from you when you visit our site
We will collect personally identifiable information about you only as part of a voluntary registration process.
Our advertisers may collect anonymous traffic information from their own assigned cookies to your browser
The Site contains links to other Web sites. We are not responsible for the privacy practices of such Web sites
We offer a collection of online services which are available to you. Please understand that any information that is disclosed in these areas becomes public information. We have no control over its use and you should exercise caution when disclosing your personal information to anyone
How's the information used?
We use personal information to:
Help us provide personalized features
Tailor our sites to your interest
Get in touch with you when necessary
We use contact information internally to:
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Contact you as a survey respondent
Notify you if you win any contest; and
Send you promotional materials
Generally, we use anonymous traffic information to:
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personalized service from both an advertising and an editorial perspective
Recognize your access privileges to our Web sites
Make sure that you don't see the same ad repeatedly
Help diagnose problems with our server
Administer our Web sites
Track your session so that we can understand better how people use
With whom will your information be shared?
We will not disclose any of your personally identifiable information to third parties unless:
We have your permission
Special circumstances such as compliance with legal authorities
We will not use your financial information for any purpose other than to provide services to you.
What choices are available to you regarding collection, use and distribution of your information?
Supplying personally identifiable information is entirely voluntary. You are not required to register with us in order to use our site. However, we offer some services only to visitors who do register.
Upon request, we will remove your personally identifiable information from our database, thereby canceling your registration.
If we plan to use your personally identifiable information for any commercial purposes, we will notify you at the time we collect that information and allow you to opt-out of having your information used for those purposes.
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What security procedures are in place to protect information from loss, misuse or alteration?
To protect against the loss, misuse and alteration of the information under our control, we have in place appropriate physical, electronic and managerial procedures. For example, our servers are accessible only to authorized personnel.
Although we will endeavor to safeguard the confidentiality of your personally identifiable information, transmissions made by means of the Internet cannot be made absolutely secure. By using this site, you agree that we will have no liability for disclosure of your information due to errors in transmission or unauthorized acts of third parties.
We reserve the right to change or update these policies at any time upon reasonable notice, effective immediately upon posting to this site.