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Individual Easy Health Optima Plus Insurance Overview
Optima Plus is Indias only Top-up Health plan. It provides the insured person with an option of converting into a full-fledged nil deductible Health Insurance plan when he/she retires. It provides double benefits of a top up and a full-fledged plan. As a top-up: a) Covers for higher hospitalization expenditure. b) The premium paid is nominal. c) Provides wide in-patient cover, after deductible. d) Renewable for life. The option of converting to a full-fledged plan: a) Reduction in waiting periods. b) Deductible is waived off. c) Cashless hospitalization and wide in-patient cover. Key Features The policy offers coverage on the individual sum insured basis only. The family includes self, spouse, dependent children and dependent parents. There is no cover ceasing age under this policy. Option to choose your policy period for 1 or 2 years. Optima Plus gives you an option to opt for a full-fledged 5 lac Indemnity Health insurance policy provided that: The insured person should enrol for first time under this policy before the age of 50 years and should have renewed continuously without interruption. Opt for conversion between 58 – 60 years of age at the time of renewal only.
Documents Required
A duly filled company’s claim form which should be completed and signed for on behalf of the Insured Person. Original Bills including pharmacy purchase bill, consultation bill, and diagnostic bill) and any attachments thereto like receipts or prescriptions in support of any amount claimed. Medical reports, including case histories, investigation reports, treatment papers, discharge summaries. A precise diagnosis of the treatment for which a claim is made. A detailed list of the individual medical services and treatments provided and a unit price for each. Eligibility Minimum Age- 91 days Maximum Age- 65 years Child between 91 days to 5 years can be insured only when either parent is getting insured under this policy. 6 Outstanding Health Insurance Plans from Apollo Munich Get Apollo Munich Health Insurance Cover for Dengue at Rs 444 premium Around 16 Million Households to Get Healthy with Citibank and Apollo Munich Offered Health Insurance Services
Benefits
a) In-patient Treatment – Hospitalisation expenses due to an illness or accident. b) Pre-Hospitalisation medical expenses. c) Post-Hospitalisation medical expenses. d) Daycare procedures – Coverage for enlisted 140 daycare procedures which do not require 24 hours hospitalization. e) Organ Donor – Medical expenses for the harvesting of the organ donated to the Insured person. f) Emergency Ambulance – Expenses up to Rs.2000 per hospitalization. Details about Premium Annual premium in Rupees *The above rates may change. Please check the policy wordings for more details. Policy Details Sum Insured: 5 Lakhs 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 may terminate the policy at any time by giving the company a written notice. The premium shall be refunded as per the table below if no claim has been made. *The above rates may vary. Please check the policy wordings for more details. Free look period: 15 days Additional Features or Riders Discounts: Family discount of 10% if 2 or more family members are covered under the same Policy. Exclusions All treatments within the first 30 days of cover except in case of any accidental injury. Pre-existing condition is covered after a waiting period of 4 years. 2 years waiting period for specific diseases like cataract, hernia, joint replacement surgeries, surgery of hydrocele etc. HIV or AIDS and related diseases. Congenital diseases, mental disorder or insanity, cosmetic surgery and weight control treatments. Abuse of intoxicant or hallucinogenic substances like drugs and alcohol. Hospitalisation happens due to war or an act of war or due to a nuclear, chemical or biological weapon and radiation of any kind. Pregnancy, dental treatment, external aids, and appliances unless specifically covered under the Plan. Items of personal comfort.
Individual Easy Health Optima Plus Insurance Overview
Optima Plus is Indias only Top-up Health plan. It provides the insured person with an option of converting into a full-fledged nil deductible Health Insurance plan when he/she retires. It provides double benefits of a top up and a full-fledged plan. As a top-up: a) Covers for higher hospitalization expenditure. b) The premium paid is nominal. c) Provides wide in-patient cover, after deductible. d) Renewable for life. The option of converting to a full-fledged plan: a) Reduction in waiting periods. b) Deductible is waived off. c) Cashless hospitalization and wide in-patient cover. Key Features The policy offers coverage on the individual sum insured basis only. The family includes self, spouse, dependent children and dependent parents. There is no cover ceasing age under this policy. Option to choose your policy period for 1 or 2 years. Optima Plus gives you an option to opt for a full-fledged 5 lac Indemnity Health insurance policy provided that: The insured person should enrol for first time under this policy before the age of 50 years and should have renewed continuously without interruption. Opt for conversion between 58 – 60 years of age at the time of renewal only.
Documents Required
A duly filled company’s claim form which should be completed and signed for on behalf of the Insured Person. Original Bills including pharmacy purchase bill, consultation bill, and diagnostic bill) and any attachments thereto like receipts or prescriptions in support of any amount claimed. Medical reports, including case histories, investigation reports, treatment papers, discharge summaries. A precise diagnosis of the treatment for which a claim is made. A detailed list of the individual medical services and treatments provided and a unit price for each. Eligibility Minimum Age- 91 days Maximum Age- 65 years Child between 91 days to 5 years can be insured only when either parent is getting insured under this policy. 6 Outstanding Health Insurance Plans from Apollo Munich Get Apollo Munich Health Insurance Cover for Dengue at Rs 444 premium Around 16 Million Households to Get Healthy with Citibank and Apollo Munich Offered Health Insurance Services
Benefits
a) In-patient Treatment – Hospitalisation expenses due to an illness or accident. b) Pre-Hospitalisation medical expenses. c) Post-Hospitalisation medical expenses. d) Daycare procedures – Coverage for enlisted 140 daycare procedures which do not require 24 hours hospitalization. e) Organ Donor – Medical expenses for the harvesting of the organ donated to the Insured person. f) Emergency Ambulance – Expenses up to Rs.2000 per hospitalization. Details about Premium Annual premium in Rupees *The above rates may change. Please check the policy wordings for more details. Policy Details Sum Insured: 5 Lakhs 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 may terminate the policy at any time by giving the company a written notice. The premium shall be refunded as per the table below if no claim has been made. *The above rates may vary. Please check the policy wordings for more details. Free look period: 15 days Additional Features or Riders Discounts: Family discount of 10% if 2 or more family members are covered under the same Policy. Exclusions All treatments within the first 30 days of cover except in case of any accidental injury. Pre-existing condition is covered after a waiting period of 4 years. 2 years waiting period for specific diseases like cataract, hernia, joint replacement surgeries, surgery of hydrocele etc. HIV or AIDS and related diseases. Congenital diseases, mental disorder or insanity, cosmetic surgery and weight control treatments. Abuse of intoxicant or hallucinogenic substances like drugs and alcohol. Hospitalisation happens due to war or an act of war or due to a nuclear, chemical or biological weapon and radiation of any kind. Pregnancy, dental treatment, external aids, and appliances unless specifically covered under the Plan. Items of personal comfort.
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