Comprehensive Benefits of Optima Secure
Secure Benefit: 2X Coverage from Day 1
What if your health cover doubled the moment you bought an Optima Secure Health Insurance plan? With the Secure Benefit, your ₹10 lakh base cover instantly becomes ₹20 lakh at no additional cost.
Plus Benefit: 100% Increase in Coverage After 2 Years
We value your trust and loyalty. That’s why we reward you with a 50% increase in base cover at the first renewal and a 100% increase after the second renewal, regardless of claims made.
Automatic Restore Benefit: 100% Restore Coverage
If your sum insured gets partially or fully used, the Automatic Restore Benefit reinstates 100% of your base sum insured during the policy year for subsequent claims.
No Sub-Limits for Greater Flexibility
Enjoy premium healthcare without restrictions:
No room rent capping
No disease-wise capping
No co-payments
This gives you the freedom to choose the hospital room and treatment that best suits your needs.
Protect Benefit: Zero Deduction on Non-Medical Expenses
Hospitalisation often comes with non-medical expenses that can add up quickly. With the Protect Benefit, expenses for 68 listed non-medical items like gloves, masks, consumables, and food charges are covered at no extra premium.
