Global Insurance Coverage for
a worry-free living.
Get 4X Health Coverage°°
around the world!
Quick Quote for Optima Secure Global.
Why Choose Global Plans under my:Optima Secure
No Cost Installment Benefit*^
15,000+ Cashless Healthcare Networkˇ
Global Plans under my:Optima Secure
If you have our Optima Secure health insurance plan, you can be rest assured that the plan will help cover medical expenses for you and your loved ones within India. However, you might wonder what if you are travelling abroad will the
plan be enough to cover your loved ones in case of any medical crisis overseas? Well, don’t stress yourself so much with that thought. We bring to you Global Plans under my: Optima Secure for you. These plans provide comprehensive
health coverage within
India as well as coverage for emergency and/or planned treatments
overseas (as per plan opted). Our global plans provide comprehensive and broader coverage along with additional benefits beyond what standard health insurance plans offer, like access to a vast network of top-tier healthcare
providers, specialists and state-of-the-art medical facilities. Along with any of the Global Plans under my: Optima secure one can also opt for the ‘overseas travel secure’ optional cover which pays for travel expenses
for the Insured person and for any one accompanying person. The optional cover also pays for accommodation expenses for that accompanying person.
With so many benefits and an incredible
4X domestic coverage, isn’t this a deal to steal? It doesn't end here! Now you can avail of our
No cost instalment*^ benefit while buying the product.
So Much Coverage
Choose your health cover
Select your sum insured
Suiting your budget and requirements, select the coverage you want. For example, let's consider you select a sum insured of ₹1 Cr.
Secure Benefit
2X coverage from day 1
Your base cover gets doubled instantly upon purchase, without having the need to claim it. This benefit will instantly increase your ₹1 Cr base cover to ₹2 Cr at no extra cost. This benefit applies in India only.
Plus Benefit
100% increase in coverage
On 1st renewal, your base cover increases by 50% after 1 year and 100% after 2 years, making it ₹1.5 Cr and ₹2 Cr respectively. Your total cover now becomes ₹3 Cr i.e 3X of your base cover.
Restore Benefit
100% restore coverage~
Anytime you make a claim whether partial or total of ₹1 Cr base cover, it gets 100% restored for any subsequent claims in the same year.This benefit applies in India only.
Note: All the above benefits are applicable for claims in India except for plus benefit (which is applicable in India and overseas)
So Much Benefits
Protect Benefit
Covers Out-Of-Pocket Expenses
Aggregate Deductible Discount
So Much Savings
Online, long-term & many more discounts
So Much Choice
1 & 2 Cr Covers & Tenure Upto 3 Years
Protect Benefit
Procedure Charges Covered
Cost of Disposables Covered
Cost of Consumables Covered
Key Features
- Support devices: We cover costs towards the cervical collar, braces, belts etc
- Cost of Disposables: Go cashless with in-built coverage for disposable items like buds, gloves, nebulization kits and other consumables during hospitalisation
- Cost of Kits: We cover cost for delivery kit, orthokit and recovery kit.
- Procedure Charges: We cover costs towards gauze, cotton, crepe bandage, surgical tape etc
Aggregate Deductible Discount
Sixteen
Percent Off for global plus
Fifty Six
Percent Off for
Global
Waiver
post
5 Years
Key Features
- You can reduce your premium significantly every year just by choosing to pay the first deductible amount of INR 25,000 to INR 5,00,000(opted by you) of claim in a policy year
- You can enjoy up to lucrative discount every year by choosing to pay a little bit more basis plan chosen
- Buy-Back: You also have the super power to waive your opted deductible at renewal post completion of 5 years under this Policy. @
So Much Savings
Family Discount
Online Discount
Long term discount
Discounts available
- Online Discount: Get 5% premium discount on the base premium if you buy a health insurance policy online
- Family Discount: Get 10% family discount if 2 or more members are covered in a single Optima Secure policy on an individual sum insured basis
- Long Term Discount: If premium is paid in advance for 2 or 3 years policy tenure, then you get a premium discount of 7.5% and 10% respectively
- Loyalty Discount:Get 2.5% premium discount on the base premium if you have an active retail insurance policy with us, with a premium above ₹2000
So Much Trust
Expanded Coverage
Policy Options
Tenure
Key Features
- Coverage: Choose between wide range of base cover from ₹5 lacs to 2 crores
- Policy Options: You can buy individual and family floater options
- Tenure: Select policy tenure between 1, 2 and 3 years
Comparison of Global Plans under my: Optima Secure
 Recommended | ||
|---|---|---|
| Coverages | Optima Secure Global | Optima Secure Global Plus |
| Base Sum Insured | ||
| Hosplitalization Expenses | Worldwide including India | Worldwide including India |
| Secure Benefit | Covered (India Only) | Covered (India Only) |
| Plus Benefit | Covered | Covered |
| Automatic Restore Benefit | Covered (India Only) | Covered (India Only) |
| Pre and Post Hospitalization | 60 and 180 days (India only) | 60 and 180 days |
| Geography covered | ||
| Aggregate Deductible Discount | ||
| Global Health Cover (Emergency Treatments Only) | ||
| Global Health Cover (Emergency & Planned Treatments Only) | ||
| Overseas Travel Secure (Optional Cover) | ||
| GLOBAL BROCHURE | GLOBAL PLUS BROCHURE |
Note: Our maximum liability in a policy year for overseas claim shall be restricted to base Sum Inured and Plus benefit (if available) & A per Claim Deductible of Rs. 10,000 will apply separately for each and every claim incurred and made overseas (except E-Opinion for Critical Illness ).
Buying the Optima Secure Global / Optima Secure Global Plus plan is now easier with our no cost installment*^ option!
More Protection by Adding More Benefits
You can choose below options while creating wholesome protection for you with Global plans under my: Optima Secure
1
Overseas Travel Secure
This optional cover provides economy class airfare and accommodation expenses of the Insured's accompanying person, and economy class airfare for insured person basis plan chosen.
2
Unlimited Restore
This Optional Benefit will provide instant addition of 100% Basic Sum Insured on complete or partial utilization of Restore benefit or Unlimited Restore benefit (as applicable) during the Policy Year. This optional cover will trigger unlimited times and is available for all subsequent claims in a Policy Year.
3
My:Health Hospital Cash Benefit
my:Health Hospital Cash benefit add on meets your day to day needs with fixed daily cash for your personal expenses, food, transportation, loss of pay and much more. So make an estimate of your daily spends and pay a small amount today instead of feeling helpless tomorrow.
Know How Global plans under my:Optima Secure Boosts Your Health Cover?
Secure Benefit'*
2X Coverage from Day 1
2X Coverage from Day 1
What if we tell you that your health cover doubles up as soon as you buy Global plans under my:Optima Secure? Don’t believe us? Well, that’s indeed a fact. Secure Benefit instantly makes his ₹1 Cr base cover to ₹2 Cr, at no extra cost.
How does it work?
Suppose, Mr Sharma has bought Global plans under my:Optima Secure with a sum insured of ₹1 Cr, then in this case his sum insured will instantly get doubled and offer him a total health cover of ₹2 Cr. This additional amount can be utilised for any number of admissible claims in India.
Plus Benefit
100% increase in coverage after 2 Years
100% increase in coverage after 2 Years
We love the fact that you are choosing us to be your partner on your health journey. And, hence we would love to reward you for your trust and loyalty by offering a 50% increase in base cover at first renewal and a 100% increase post-2nd-year renewals irrespective of any claims made worldwide.
How does it work?
When Mr Sharma renews his Global plan under my:Optima Secure for 1 year, Plus Benefit increases his base cover of ₹10 lacs by 50% and in 2nd year by 100%, making it ₹1.5 Cr and ₹2 Cr respectively. Plus benefit and secure benefit together takes the total coverage to ₹3 Cr.
Automatic Restore Benefit
100% restore coverage
100% restore coverage
Global plans under my:Optima Secure restores up to 100% of your base sum insured for subsequent claims, for any illness or accidental hospitalisation. This benefit comes in handy when you exhaust your existing sum insured due to one or several claims incurred in India.
How does it work?
Imagine a situation where Mr. Sharma claims partial or total ₹1 Cr base cover in India, it gets 100% restored, making it ₹3 + ₹1= ₹4 Cr. So, he does not have to limit his claims to ₹1 Cr base cover or ₹2 Cr secure benefit, he will get an additional ₹1 Cr as a restore benefit to settle claims.
Protect Benefit
Zero deductions on non-medical expenses°
Zero deductions on non-medical expenses°
It is the non-medical expenses that really end up burning a hole in your pocket. Well, we have got your back. Go cashless with our my:Optima Secure which has an in-built coverage for listed non-payable items like gloves, masks, food charges, and other consumables during hospitalisation. Usually, these disposable items are not covered by insurance policies or offered as an optional cover at an additional cost. However, with this plan, all your expenses for 68 listed non-medical items that are commonly used during hospitalisation are covered at no extra premium.
How does it work?
During hospitalization, his non-medical expenses that add up to 10-20% of the total bill amount also get covered by Protect Benefit. With Global plans under my:Optima Secure you can rest assured that as many as 68 non-medical expenses will be taken care of. Mr. Sharma won't have to shell extra pennies for these non-medical expenses. Items like disposables, consumables, and non-medical expenses such as gloves, food charges, diapers, belts, braces etc will all be covered under this plan.
No sub-limits
No room rent capping | No disease-based capping | No co-payments
No room rent capping | No disease-based capping | No co-payments
Global plans under my:Optima Secure is tailored for those who want to settle for nothing less than the most premium healthcare for their family. The plan qualifies you for any room category at any hospital. This feature assist customer in reducing their out-of-pocket expenses and further gives freedom to select the hospitalization room of their choice.
How does it work?
Global plans under my:Optima Secure does not put a claim restriction in terms of a disease. Say, for instance, if Mr. Sharma has to undergo a kidney stone removal procedure, then unlike other conventional insurance plans, my:Optima Secure has no capping or so as the claimable amount for the disease. He can claim up to the available sum insured as per the treatment costs. Additionally, there is no capping in terms of room rent per day or ambulance charges.