7/28/2019 PolicyBazaar Health Insurance: Cover Rs.5 Lac @Rs.

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Optima Restore Health Optima Health Suraksha Silv

₹ 2,538 monthly ₹ 2,563 monthly ₹ 1,968 monthly

Show Differences
₹ 30,465 paid annually ₹ 30,757 paid annually ₹ 23,621 paid annual

SUM INSURED ₹5L ₹5L ₹5L

TERM 1 Year 1 Year 1 Year

     

TOP FEATURES

Hospital Room Eligibility All Categories Single Private A/C Room All Categories
Why is it important?

Bonus on No Claim 50% increase in Sum Insured (max 100% and 25%(1st year),10%(from 2nd year) increase in 5% increase in Sum Insured (max
Why is it important? 50% decrease in case of claim) Sum Insured [max 100% and 25%(1 year),10% decrease in case of claim)
(from 2nd year) decrease in case of claim]

Restoration of Cover Full reinstatement up to Sum Insured once in a Full reinstatement up to Sum Insured (max Not Available
year thrice per year)

Share Claim Payments Full claims payment by Insurer Full claim paid by Insurer (20% co-payment if Full claims payment by Insurer
Why is it important? age>60)

Health Checkups Up to Rs 2,500(Rs 1,500 for Individual) at 2 yrs Up to Rs 1,500 once every claim free year Up to Rs 5,000 once every 4 claim
end

Maternity Not covered Not covered Not covered

Why is it important?

Pre existing conditions Covered after 3 years Covered after 4 years Covered after 4 years

Eye & Dental Covers Not Covered Expenses incurred on treatment of Cataract is Not Covered
subject to the limits in brochure

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7/28/2019 PolicyBazaar Health Insurance: Cover Rs.5 Lac @Rs. 10/Day

Cashless Hospital Network

in Ahmedabad(Gujarat) 138 235 189
AIMS HOSPITAL, ANAND HOSPITAL & MULTI Anand Hospital & MultiSpeciality, Anand AIMS HOSPITAL, ANAND HOSPIT
SPECIALITY, ANAND MULTISPECIALITY Multispeciality Hospital, Baps Yogiji Maharaj MULTISPECIALITY, ANAND MULT
HOSPITAL PVT LTD and more Hospital and more HOSPITAL and more

View network hospitals View network hospitals View network hospitals

In-patient Care

Before Hospitalization Medical Expenses Up to 60 days before Medical Expenses Up to 60 days before Medical Expenses Up to 60 days
hospitalization will be covered hospitalization will be covered hospitalization will be covered

After Hospitalization Medical expenses Up to 180 days after Medical expenses Up to 90 days after Medical expenses Up to 90 days
hospitalization will be covered hospitalization will be covered hospitalization will be covered

Day Care Treatments All Day care treatments are covered All Day care treatments are covered 144 Day care treatments are cov

Hospitalization at Home Treatments done at home due to patient Treatments done at home due to patient Treatments done at home due to
condition or unavailability of hospital bed are condition or unavailability of hospital bed are condition or unavailability of hos
covered Up to Sum Insured covered Up to Sum Insured covered Up to Sum Insured

Alternate Medicine Not Covered Up to Rs 15,000 for utilizing AYUSH Up to Sum Insured for utilizing A

Network Hospitals Covered 4105+ Network hospitals offer cashless 8200+ Network hospitals offer cashless 9000+ Network hospitals offer c
hospitalisation hospitalisation hospitalisation

Coverage Terms

Family Floater Option Up to 2 Adults and 3 Children Up to 2 Adults and 3 Children Up to 2 Adults and 3 Children

Emergency Coverage

Ambulance Charges Up to Rs 2,000 per hospitalisation Up to Rs 750 per hospitalisation Up to Rs 2,000 per hospitalisatio

Worldwide Emergency Not Covered Not Covered Not Covered

Domestic Evacuation Not covered Up to Rs 50,000 for air ambulance Not covered

Maternity Covers

Infertility Treatment Not Covered Not Covered Not Covered

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7/28/2019 PolicyBazaar Health Insurance: Cover Rs.5 Lac @Rs. 10/Day

Wellness Benefits

Doctor-on-Call Service Provide complimentary access to doctors-on- Not Covered Not Covered
call

Health Assessment Provide complimentary access to health Not Covered Not Covered
assesment reports

Wellness Factors Provide wellness benefits Provide wellness benefits Provide wellness benefits

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