Sudden illness and chronic diseases often strike without the faintest idea. Optima Vital insurance will pay you a lump sum amount for the 37 identified critical illness, medical events or surgical procedures. It is available also when you are being benefitted from other policies. So this plan looks after you even in a health crisis situation. Critical illnesses covered under the Optima Vital Critical Illness Insurance Policy: (The Insured Person must survive 30 days from the date of confirmed diagnosis) Cancer of specified severity Kidney failure requiring regular dialysis Multiple sclerosis with persisting symptoms End-stage liver disease of specified severity First heart attack of specified severity COMA of specified severity Major burns Goodpastures syndrome Apallic syndrome Aplastic anaemia Systemic lupus erythematosis Bacterial meningitis Multiple system atrophy Progressive scleroderma