Optima Senior
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Optima Senior plan is a Health insurance plan which offers comprehensive health coverage exclusively to senior citizens


  • 144 Day care treatments are covered
  • Get 7.5% discount by opting for two years policy
  • No loading on renewal premium in case of a claim
  • Second opinion from Medical Practitioner is available
  • Domiciliary treatment expenses are also covered
  • Life long policy renewal is available for Senior Citizens
  • Tax rebate available as per provision of Income Tax Rules under section 80-D
Title Description
Room Rent Limit No Limit
ICU Daily Rent Limit No Limit
Pre-Hospitalization Expenses 30 days
Post Hospitalization Expenses 60 Days
Minimum Hospitalization Period 24 Hrs
Day Care Procedure Coverage 140 procedures covered
Pre-Existing Disease / Illness coverage After36 months, 24 months for specific diseases
Waiting Period for New Policy 30 days
Co-Payment Max 30% depending on accommodation & illness
Free Health Checkup Up to 50% of the total cost
Ambulance Expenses Up to 2000 per hospitalisation
Donor Expenses Covered
No Claim Discount Up to 5% non-cumulative discount