Optima Restore

Individual

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Reserve Benefit: Info
Lifelong Renewability
Cashless Hospitalisation
Free Annual Health Check-up
Tax Savings up to ₹ 75,000* Tax

Why Us?

24x7 Customer Support
10,000+ Cashless Hospitals all over India
60+ Million Lives covered
98% Claim Settlement Ratio

Optima Restore - Key Benefits

Complete coverage 60 days Prior & 180 days post your hospitalization. This ensures better planning of your hospitalization needs.
Get 100% of your cover restored instantly after your first claim. Let’s say you have a policy with ?5 lakhs cover and you claim 1 lakh during the policy period. Instantly, your original policy cover (5 Lakh) will get restored to your balance policy cover (4 lakh) thus giving you ?9 Lakh cover for the remaining policy duration.
Get up to 100% additional policy cover as no claim bonus. Let’s say you have a ?5 Lakh policy and you do not make any claims during the first year. Then your cover increases by 50%, making your total cover 7.5 Lakh for the second year. If you do not make any claims in the second year too, your cover increases by 100% making your total cover 10 Lakh. And, all this, while you will pay the premium for a ?5 Lakh policy.
Get up to 8% discount on policy renewal just by walking up to the daily average step count target on our mobile app Health Jinn. 5001-8000 steps = 2% discount | 8001-10000 steps = 5% discount |Above 10000 steps = 8% discount.
Enjoy preventive health check-up on renewal*. Keep track of your health with preventive health check-up benefits offered at renewal, irrespective of claim status. Avail free health check-ups once in two years on ?5 lakh cover and once every year on cover of ?10 lakhs and above.

List of exclusions under Optima Restore are as follows:

  • Any treatment within first 30 days of cover except any accidental injury.
  • Any Pre-existing diseases/conditions will be covered after a waiting period of 3 years.
  • 2 years exclusion for specific diseases like cataract, hernia, hysterectomy, joint replacement etc.
  • Expenses arising from HIV or AIDS and related diseases.
  • Abuse of intoxicant or hallucinogenic substance like drugs and alcohol.
  • Pregnancy, dental treatment, external aids and appliances.
  • Hospitalization due to war or an act of war or due to nuclear, chemical or biological weapon and radiation of any kind.
  • Non-allopathic treatment, congenital external diseases, cosmetic surgery or weight control treatments.

Please refer to the policy wordings for complete understanding of benefits, terms and conditions and exclusions.

10,000+
Cashless Network Hospitals
60+ Million
Lives covered
80% claims
approved within 30 minutes
98% claim
settlement ratio
Free Annual
Health Check-ups
24x7 Claims and
customer Support

WE PAY CLAIMS: We have been catering to diversified customer needs by offering health insurance plans as per the age and budget requirements since last 16 years.

Buying a health insurance policy online helps in keeping your health records confidential as you don’t have to disclose the same to someone in person. Also, you can fill all the details and medical history information, which leaves no room for errors.

  • Get your policy with minimum documentation in 7 minutes
  • Pay your premium through multiple secured payment modes
  • In-house claim assistance and customer support, always eager to help you
  • Utmost transparency when it comes to handling claim queries and settling claims