Optima Plus Top Up
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Optima Plus offers to cover you for higher hospitalization expenditures at nominal premium. It is the only plan in India that offers an option to convert to a fully-fledged nil deductible health insurance plan on retirement


  • Option to convert the plan to a fully fledged indemnity health insurance plan available only at renewal between 58-60 years
  • 140 Day care treatments are covered.
  • Get 7.5% discount by opting for two years policy
  • Domiciliary treatment expenses are also covered.
  • Life long policy renewal is available
  • Tax rebate available as per provision of Income Tax Rules under section 80-D
  • Family Discount of 10% if 2 or more family members are covered under the same policy.
Title Description
Ambulance Expenses Up to 2000 per hospitalisation
Day Care Procedure Coverage 140 procedures covered
Donor Expenses Covered
ICU Daily Rent Limit No Limit
Minimum Hospitalization Period 24 Hrs
Post Hospitalization Expenses 90 Days
Pre-Existing Disease / Illness coverage After 24 months for specific diseases or pre-existing conditions
Pre-Hospitalization Expenses 60 days
Room Rent Limit No Limit
Waiting Period for New Policy 30 days