• This policy covers persons in the age group 91 days to 65 years. The maximum entry age is restricted upto 65 years. The Minimum entry age for Adult is 18 years and maximum is 65 years. The minimum entry age for child is 91 days and the maximum is 25 years
• No maximum cover ceasing age
• An individual and/or his family members namely spouse, dependent children and parents are eligible for buying this cover.
• This cover will be offered on individual Sum Insured basis only.
• This is an annual policy.
• he premium for the policy will remain the same for the policy period as mentioned in the policy schedule
• A maximum of 6 members can be added in a single policy. A maximum of 4 adults and a maximum of 5 children can be included in a single policy.

Inpatient Benefits

• In-Patient Hospitalisation- Treatment arising from Dengue fever where Insured Person has to stay in a Hospital for more than 24 hours.
• Pre-Hospitalisation - The medical expenses incurred due to illness during 15 days immediately before hospitalization.
• Post-Hospitalisation -The medical expenses you incur in the 15 days immediately after you are discharged from hospital.
• Shared Accommodation Benefit - If the Insured Person is Hospitalized in Shared Accommodation in a Network Hospital, exclusion for non payable items under Section III C v) of Policy wordings will be waived off.

Outpatient Benefits

The following benefits are available to all Insured Persons during the Policy Period if NS1 (nonstructural protein 1) is positive in result. Any claims made under these benefits will be subject to Out-patient Sum Insured.

• Outpatient Consultations - Outpatient consultation by a general Medical Practitioner for treatment of Dengue fever.
• Diagnostic Tests - Outpatient diagnostic tests for Dengue fever taken by the Insured Person from a diagnostic centre
• Pharmacy - Medicines purchased by the Insured Person from a pharmacy, provided that such medicines have been prescribed for treatment of Dengue Fever.
• Home Nursing - We will also reimburse the Medical Expenses for necessary medical treatment taken by the Insured Person by our empanelled medical practitioner at home for treatment of Dengue fever.

Other Benefits

• Cashless Service - You need to obtain a pre-authorization for all planned admissions atleast 48 hours prior to actual admission or regularize any 'emergency' admission within 24 hours post the admission. The details of the process and the documentation requirements are given in the claim procedure document.
• Tax Benefits - With the Dengue Care Plan you can presently avail tax benefits for the premium amount under Section 80D of the Income Tax Act. (Tax benefits are subject to changes in Tax Laws)
• Renewal Terms - Dengue Care offers lifelong renewability i.e there is no maximum cover ceasing age in this policy. Grace Period of 30 days for renewing the policy is provided under this policy.

• Any Treatment other than for Dengue fever
• Vitamins and tonics unless certified to be required by the attending Medical Practitioner as a direct consequence of an otherwise covered claim
• Specified healthcare providers (Hospitals /Medical Practitioners)
• Treatment rendered by a Medical Practitioner which is outside his discipline or the discipline for which he is licensed.
• Any treatment or part of a treatment that is not of a reasonable charge, not Medically Necessary; drugs or treatments which are not supported by a prescription.
• Charges related to a Hospital stay not expressly mentioned as being covered, including but not limited to charges for admission, discharge, administration, registration, documentation and filing.
• Any non medical expenses mentioned in Annexure I of Policy wordings

For complete exclusions please refer to the policy document.

• We offer coverage from the age of 18 years onwards with maximum entry age of 65 years. A dependent child can be covered from 18 years upto 25 years provided both parents are covered in a critical illness plan of an Indian Insurer.
• You and/ or your family members namely spouse, dependent children, dependent parents are eligible for buying this cover on individual sum insured basis.
• Maximum 6 members can be added in a single policy. In an individual policy, a maximum of 4 adults and a maximum of 5 children can be included in a single policy.
• Your premium at renewal may change due to a change in your age or changes in the applicable tax rate.
• The policy period options include period of 1 or 2 years(s). (We offer 7.5% discount if you opt for a 2 year policy)

Plan Benefits

• Optima Vital Insurance will pay you a lump sum amount for the identified critical illness, medical events or surgical procedures. This amount is payable on confirmed diagnosis with defined severity of the illness or the date of undergoing specified surgery in respect of that Critical Illness and the insured surviving the defined survival period.

Other Benefits

• E-opinion - On request of the Insured person diagnosed with a crticial illness, We will arrange for a second opinion from a medical practitioner selected by the insured person from Our panel. This benefit can be availed once in a policy year.
• Portability - If you are insured with some other company's health insurance and you want to shift to us on renewal, you can. Our Portability Policy is customer friendly and aims to achieve the transfer of most of the accrued benefits and makes due allowances for waiting periods etc.
• Tax Benefit - With the Critical Illness Insurance Plan you can currently avail tax benefits for the premium amount under Section 80D of the Income Tax Act. (Tax benefits are subject to changes in Tax Laws).
• Sum Insured Enhancement - Sum Insured can be enhanced only at the time of renewal subject to no claim have been lodged/ paid under the policy. If the insured increases the sum insured the case shall be subject to medicals. In case of increase in the sum insured waiting period will apply afresh in relation to the amount by which the sum insured has been enhanced. However, the quantum of increase shall be at the discretion of the company.

• Our Optima Vital policy offers lifelong renewability i.e there is no maximum cover ceasing age in this policy
• Grace Period of 30 days for renewing the policy is provided under this policy.
• Waiting periods as mentioned in the policy wording gets reduced by 1 year on every continuous renewal of your Optima Vital Insurance policy.
• Renewal premium are subject to change with prior approval from IRDA. Any change in benefits or premium (other than due to change in age) will be done with the approval of the IRDA and will be intimated atleast 3 months in advance.

• All illnesses & treatments within the first 90 days of the cover
• Any pre-existing condition will be covered after a waiting period of 48 months
• Any critical illness in presence of HIV infection and / or any AIDS
• Congenital internal and external diseases, defects or anomalies.
• Abuse of intoxicant or hallucinogenic substances like intoxicating drugs and alcohol
• War or an act of war or due to a nuclear, chemical or biological weapon and radiation of any kind
• Any treatment arising from pregnancy (including voluntary termination), miscarriage, maternity or birth (including caesarean section)

Please refer to the Policy Wording for the complete list of exclusions.

• e offer coverage from the age of 18 years to 65 years for individuals with Type 2 Diabetes Mellitus, Impaired Fasting Glucose (IFG), Impaired Glucose Tolerance (IGT) and/or Hypertension.
• Your premium at renewal may change due to a change in your age or changes in the applicable tax rate.
• The policy will be issued for 1 year.
• The plan has 2 variants – Gold (cost of wellness test included) & Silver (cost of wellness test excluded), both available with/ without the copayment option of 20%.

Plan Benefits

Comprehensive health coverage

• ay 1 coverage for all hospitalisation arising out of Diabetes and Hypertension (with no waiting period)
• Inpatient hospitalisation coverage with no sublimits, including coverage for pre and post hospitalisation.
• Sum insured options ranging from 2 lacs to 10 lacs.

Health management with a health reward program

• n optional diagnostic monitoring program which includes a doctor consultation, to monitor and manage your health.
• Wellness incentives are offered on good health management through premium discounts and additional coverage for any health expenses

Support through a Health Eco-System

• personalised health coach to help guide you throughout your journey towards a healthy & active lifestyle and also support you with personalised diet and fitness plans.
• An access to a wellness portal that conducts an HRA, tracks your medical values, stores medical records, provides offers for health service and products.
• Access to a centralised helpline to answer any queries you may have.
• A health market place which offers you healthy discounts on health merchandise, pharmacies, health foods, medical equipment's like glucometers etc.

Other Benefits

• Cashless Service - You need to obtain a pre-authorization for all planned admissions atleast 48 hours prior to actual admission or regularize any 'emergency' admission within 24 hours post the admission. The details of the process and the documentation requirements are given in the guide-book sent along with the policy
• Sum Insured Enhancement - Sum Insured can be enhanced only at the time of renewal subject to no claim have been lodged/ paid under the policy. If the insured increases the sum insured one grid up, no fresh medicals shall be required. In cases where the sum insured increase is more than one grid up, the case shall be subject to medicals. In case of increase in the sum insured waiting period will apply afresh in relation to the amount by which the sum insured has been enhanced. However, the quantum of increase shall be at the discretion of the company.
• Portability - If you are insured with some other company's health insurance and you want to shift to us on renewal, you can. Our portability policy is customer friendly and aims to achieve the transfer of most of the accrued benefits and makes due allowances for waiting periods etc.
• Tax Benefits - With Energy Plan, you can presently avail tax benefits for the premium amount under Section 80D of the Income Tax Act. (Tax benefits are subject to changes in Tax Laws)

With increasing stress levels and work pressure, we help you take care of your wealth by managing your health! We bring to you our "Stay Healthy" Program that offers

• Online health assessment
• Customized diet & exercise plan from our experts
• E- storage facilities to store your medical reports for 24X7 access
• Great offers & discounts on heath products & Planning
• Set alerts to track your health appointments and medicinal intake
• Exclusive health newsletter & helpline Planning

And lots more....

The above benefits are offered for policies with sum insured greater than 5 lacs.

In addition, Health Line Planning & Discounts at our listed partner's network are provided in all sum insured – You just need to call us and quote your customer ID to reach our experts and avail their help in primary consultation, health-related counseling, individual referrals, health information, nutrition and diet.

• nergy offers lifelong renewability i.e there is no maximum cover ceasing age in this policy.
• Grace Period of 30 days for renewing the policy is provided under this policy.
• Waiting periods as mentioned in the policy wordings gets reduced by 1 year on every continuous renewal of your Energy policy.
• Renewal premium are subject to change with prior approval from IRDA. Any change in benefits or premium (other than due to change in age) will be done with the approval of the IRDA and will be intimated atleast 3 months in advance.

• Any pre-existing condition will be covered after a waiting period of 3 years. Any condition or illness, complication or ailment arising out of or connected to the condition of Type 2 Diabetes Mellitus or Impaired Fasting Glucose (IFG) or Impaired Glucose Tolerance (IGT) or Hypertension is not a part of this waiting period.
• 2 years waiting period for specific diseases like cataract, hernia, joint replacement surgeries, surgery of hydrocele etc.
• Expenses arising from 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 intoxicating drugs and alcohol.
• Hospitalization 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 covered under the Plan.
• Items of personal comfort and convenience.
• Experimental, investigative and unproven treatment devices and pharmacological regimens.

Please refer to the Policy Wording for the complete list of exclusions.