Gold Plan- 90 Days
Gold Plan- 180 Days
Details about Premium
Annual premium in Rupees
*The above details may vary. Please check the policy wordings for more information.
Sum Insured: Daily Cash amount of Rs.1000, 2000 and Rs.3000.
Coverage type: Individual/ family
Grace period: Grace Period of 30 days for renewing the policy is provided under this policy.
Renewal Policies: Lifelong renewal.
Policy termination: The policyholder can terminate the policy by giving the company a written notice. The company is liable to refund premium only if no claim has been made. Moreover, it will be done on the basis of the following table-
*The above rates may vary. Please check the policy wordings for more details.
Free look period: 15 days
Additional Features or Riders
With Optima cash you can now avail a discount of 5% for purchasing the policy online.
Add two or more people to your policy and get an additional 10% family discount.
Get a further 10% discount by opting for two years policy.
All treatments within the first 30 days of cover except incase of accidental injury.
A waiting period of 2 years for specific diseases like cataract, hernia, joint replacement surgeries, surgery of hydrocele etc.
Expenses arising from HIV or AIDS
Congenital diseases, mental disorder or insanity, cosmetic surgery and weight control treatments.
Abuse of intoxicant or hallucinogenic substances
Pregnancy, dental treatment, external aids and appliances unless covered under the Plan.
Any item which is related to personal comfort and convenience.
Experimental, investigative and unproven medical treatment