Optima Super Individual
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Optima Super, India's only aggregate top-up health plan that adds to your existing coverage & also offers an option to convert to a full-fledged nil deductible health insurance plan (at the time when you usually retire)


  • You are covered for higher hospitalization expenditures that may occur throughout the year
  • 144 Day care treatments are covered
  • Get 7.5% discount by opting for two years policy
  • Option of converting this plan into a full-fledged nil deductible plan by using the Waiver of Deductible benefit without any Medical
  • Life long policy renewal is available
  • Healthline service is also available free of cost which includes primary consultation, health related counseling, Nutrition and Diet
  • Free Health Risk Assessment which helps to profile your health status and provide recommendations on nutrition and diet and lifestyle
  • Tax rebate available as per provision of Income Tax Rules under section 80-D
Title Description
Ambulance Expenses Up to 2000
Day Care Procedure Coverage 144 procedures covered
Donor Expenses covered
Minimum Hospitalization Period 24 Hrs
Post Hospitalization Expenses 90 days
Pre-Existing Disease / Illness coverage After 48 months, 24 months for specific diseases
Pre-Hospitalization Expenses 60 days
Room Rent Limit No Limit
Waiting Period for New Policy 30 days