1. FAMILY HEALTH OPTIMA INSURANCE POLICY
SALIENT FEATURES
A SUPER SAVER FLOATER POLICY
SINGLE SUM INSURED
WIDER COVERAGE
SINGLE COVERAGE FOR ENTIRE FAMILY
SINGLE PREMIUM
AGE CRITERIA
Any person aged between 5 months to 65 years
FAMILY INCLUDES
Proposer + Spouse + Dependent Children up to 25 years
MEDICAL CHECK-UP
Person above 50 years required to undergo pre acceptance medical check-up at the Company’s nominated centers. Cost of
which is borne by the Company.
POLICY BENEFITS
Room rent, Nursing Charges, Boarding Expenses @ 2% subject to maximum of Rs.5000/- per day
Surgeon, Anesthetist, Medical Practitioner, Consultants and Specialist Fees
Anesthesia, Blood, Oxygen, Operation Theater charges, cost of Pacemaker etc.
Cost of Medicine and Drugs
Emergency ambulance charges up to Rs.750/- per hospitalization and overall limit of Rs.1500/- per policy period
BONUS
For Sum Insured Rs.1 Lakh and Rs.2 Lakhs – Minimum 10% and Maximum 15%
For Sum Insured Rs.3 Lakhs to Rs.15 Lakhs – Minimum 25% and Maximum 35%
AUTOMATIC RESTORATION OF SUM INSURED
The basic sum insured is automatically restored once the limit of coverage is exhausted during the policy period subject to
limit given below:
Up to 20000/- - Nil
300000/- and above - 100%
PRE – EXISTING DISEASES / ILLNESS
Covered after 48 months of continuous coverage insurance
EXCLUSIONS
Any disease contracted during the first 30 days
First 1 Years Exclusion : Benign Prostate Hypertrophy, Hernia, Hydrocele, Congenital Internal disease/defect, Fistula or
Fissure in anus, Piles, Sinusitis and related disorders, treatment for gall stones or renal stones
First 2 Years Exclusion : Cataract, hysterectomy for Menorrhorgia of Fibromyoma, Treatment for knee and/or joint (other
than caused by an accident), Prolapse of intervertibral disc (other than caused by an accident), Varicose veins and Varicose
ulcers
Naturopathy
Expenses purely diagnostic in nature with no positive existence of any disease
Treatment for congenital external disease or defects or anomalies
Treatments which are cosmetic in nature
For Further Details
Mr. Swapnil Patankar - 9967723443 / Mr. Salil Berde – 9324782946
Off. Tel.: 022 – 6528 9237 Email : ins.swapnil@gmail.com