Family Health Optima
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This is a complete health insurance policy for the family which covers medical expenses incurred by a person due to any illness or injury. There is a considerable saving in premium as the entire family is covered under one policy with single sum insured.


  • All Day Care procedures are covered.
  • Expenses incurred towards Emergency Domestic Medical Evacuation.
  • Coverage for New born Baby
  • Coverage for Domiciliary hospitalization treatments
  • 100% Sum insured will be restored automatically in case of exhaustion of Sum Insured in the policy
  • Recharge benefit provides additional indemnity up to specified limits, when the sum insured under the policy is exhausted
  • No Medical tests required up to the age of 50 Years
  • Life Long renewal for health insurance
  • Tax rebate available as per provision of Income Tax Rules under section 80-D
Title Description
Room Rent Limit Rs.5000 per day
ICU Daily Rent Limit Actuals
Pre-Hospitalization Expenses 60 days
Post Hospitalization Expenses 90 days
Minimum Hospitalization Period 24 Hrs
Day Care Procedure Coverage All procedures covered
Automatic Restoration of Sum Insured 100% of SI
Pre-Existing Disease / Illness coverage After 48 months
Waiting Period for New Policy 30 days
Co-Payment 20% on every claim for age Above 60 yrs.
Medical Screening Above age 50 years
Free Health Checkup After 3 claim free years, Max 5000
Ambulance Expenses Up to 750 per hospitalization, Max 1500 per policy year
New Born Baby Cover Up to 10% sum insured, Max.Rs.50,000
Donor Expenses 10% of SI - Max.Rs. 1Lac; Not available for Donor screening and Post-Donation Complications Provided Claim for transplantation Payable
Nursing Allowance Covered
No Claim Bonus 25% of SI for first year and later 10% of SI - every claim free year - Max Accumulation 100% of SI