The ever-rising medical inflation in India is a major cause of concern for everyone. As a result, a comprehensive health insurance plan covering a range of hospital expenses is all that a family needs to secure its future
While you may think the savings accumulated over the entire career may be enough to take care of your medical needs. The corpus may run out earlier than you think. Health insurance for senior citizens is a crucial tool to safeguard your life savings. It will help you take care of your health needs even in an era of rising medical costs.
We cover all your hospitalisation expenses arising from illnesses and injuries seamlessly. Most importantly, the Optima Secure plan includes treatment costs for Covid-19 as well.
Instead of 30&90 days availed normally, get 60 & 180 days pre and post hospitalisation medical expenses covered.
Medical advancements help in wrapping up important surgeries and treatments in less than 24 hours, and guess what? We cover you for that as well.
Prevention is certainly better than cure and that’s why we offer a free health check-up on renewing your health insurance policy with us.
Optima secure plan is tailored to reimburse the cost of air ambulance transport upto ₹5 lacs too.
Optima Secure plan covers road ambulance cost upto the sum insured.
It will pay for the medical expenses incurred by you on home hospitalisation, if advised by the Doctor on cashless basis.
It cover medical expenses for harvesting a major organ from the donor’s body where insured is the recipient.
It cover treatment costs upto the sum insured towards in-patient care for alternative therapies like Ayurveda, Unani, Siddha, Homeopathy, Yoga and Naturopathy.
Our health insurance policy covers your medical expenses for a lifetime on break free renewals.
Adventures can give you an adrenaline rush, but when coupled with accidents, it can be hazardous. Our health insurance plan does not cover accidents encountered while participating in adventure sports.
We do not cover expenses for treatment directly arising from or consequent upon any insured person committing or attempting to commit a breach of law with criminal intent.
War can be disastrous and unfortunate. However, our health insurance plan does not cover any claim that is caused due to wars.
We do not cover expenses incurred towards treatment in any hospital or by any Medical Practitioner or any other provider specifically excluded by the Insurer. (Contact us for list of de empanelled hospital)
We understand that treatment towards congenital external disease is critical however, we do not cover medical expenses incurred for Congenital external diseases defects or anomalies.
(Congenital diseases refer to birth defects).
Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof remains uncovered.
A Group Mediclaim policy is purchased by an employer from the insurance company for the well-being of the employees. In order to offer this policy, either the employer pays the applicable insurance premium or a specific amount is deducted from the employees’ CTCs (Cost to Company) for paying the premium cost. The primary objective of the plan is to insure a company’s employees against various health risks in accordance with the policy’s terms and conditions.
When it comes to the group health insurance portfolio, there are a multitude of schemes available, for example, plans for critical illness, plans for individuals, family floater health insurance, etc. On an ideal basis, at least one scheme must be a part of a company or an organization. This provides a kind of financial backup in the time of a health scare.
Happy Employees is Equal to Better Performances
Contacting the Insurance Provider
Attaining Guidance
Filling the Form
Attaching Documents
Sending Claim
Assessment and Verification of Documents
Settling the Claim