Toggle navigation
Home
Know Us
About Us
Photo Gallery
Awards & Certificates
Client Testimonials
Our Services
My Portfolio
Calculator
Newsletter
eGreetings
Our Products
Life Insurance
Mutual Funds
Top Performing Funds
Dividend Declared
New Funds Offer
Search Funds
Health Insurance
Personal Accident
Travel Insurance
Motor Insurance
FD's and Bonds
Small Savings
Useful Information
Tax Info
Articles
Industry News
Learning Center
Tax Guide
Insurance Guide
FAQs
Glossary
Online Payment
TPA
Videos
NJ Investment
NJ E-Weatlh
NJ Client Desk
NJ Partner Desk
Downloads
Forms
MF Forms
KYC Forms
General Forms
Reach Us
Social Network
Contact Us
Login
» Home » Information » Product Info » General Insuarnce
back
Share
Tweet
Home
Home
Learn More
Claim Process
Get TPA Details
Good Health TPA Services Ltd.
United Healthcare Parekh TPA Pvt. Ltd.
Medi Assist India TPA Pvt. Ltd.
MD India Healthcare (TPA) Services (Pvt.) Ltd.
Paramount Health Services (TPA) Pvt. Ltd.
E Meditek (TPA) Services Ltd.
Heritage Health TPA Pvt. Ltd.
Focus Healthservices TPA Pvt. Ltd.
Medicare TPA Services (I) Pvt. Ltd.
Family Health Plan (TPA) Ltd.
Raksha TPA Pvt. Ltd.
Vidal Health TPA Private Limited
Anyuta TPA in Healthcare Pvt. Ltd.
East West Assist TPA Pvt. Ltd.
Med Save Health Care TPA Ltd.
Genins India TPA Ltd.
Alankit Health Care TPA Limited
Health India TPA Services Private Limited
Vipul Med Corp TPA. Pvt. Ltd.
Park Mediclaim TPA Private Ltd.
Safeway TPA Services Pvt. Ltd
Anmol Medicare TPA Ltd.
Dedicated Healthcare Services TPA (India) Private Limited,
Grand Healthcare Services TPA Private Limited
Rothshield Healthcare (TPA) Services Limited
Sri Gokulam Health Services TPA (P) Ltd.
Spurthi Meditech TPA Solutions Pvt. Ltd
Happy Insurance TPA Pvt. Ltd.
Ericson TPA Healthcare Pvt. Ltd.
Health Insurance TPA of India Ltd
Bajaj Allianz General Insurance Co.Ltd.
Reliance General Insurance Co.Ltd.
Star Health and Allied Insurance Co.Ltd.
IFFCO Tokio General Insurance Company Limited
Universal Medi-Aid Services Ltd.
Future Generali India Insurance Co. Ltd.
HDFC General Insurance Co. Ltd
Cholamandalam MS General Insurance Co. Ltd.
ICICI Lombard Health Care
HDFC Ergo Health Insurance
Care Health Insurance Company Limited
Niva Bupa Health Insurance
Tata AIG Health Claim.
My:optima Secure Floater
Quick Links :
--Plans for Individauls--
Easy Health Individual
Optima Restore Individual
Optima Super Individual
Optima Vital
Medisure Classic Individual
Medisure Prime Individual
My:health Medisure Super Top-up Individual
EH Critical Illness Addon
Optima Senior
Optima Cash Gold
Energy
Dengue Care
Health Suraksha Top Up Plus Individual
Health Suraksha Individual
Critical Illness Old
Day 2 Day Care Individual
Health Wallet Individual
Health Suraksha With Regain And Ecb Individual
Ican Individual
My:health Suraksha Individual
My Health: Medisure Super Top Up Individual Old
Critical Illness
Corona Kavach Individual
My: Health Koti Suraksha Individual
My:optima Secure Individual
--Plans for Families--
Easy Health Floater
Optima Restore Floater
Optima Super Floater
Medisure Classic Floater
Medisure Prime Floater
My:health Medisure Super Top-up Floater
Optima Plus Top Up
Optima Cash Platinum
Health Suraksha Top Up Plus Floater
Health Suraksha Floater
My Health: Medisure Super Top Up Floater Old
Day 2 Day Care Floater
Health Wallet Floater
Health Suraksha With Regain And Ecb Floater
Maxima
My:health Suraksha Floater
Corona Kavach Floater
My:health Koti Suraksha Floater
My:optima Secure Floater
Synopsis:
my: Optima Secure is a unique indemnity health insurance product which covers expenses incurred on hospitalization due to Illness or Accident
Highlight:
Base Sum Insured (in Lakhs):- 5/10/15/20/25/50/100/200
Policy options:- Family Floater - A maximum of 4 adults and a maximum of 6 children | Individual policy - A maximum of 6 adults and a maximum of 6 children
Tenure:- 1 to 3 years
Age limit:- The minimum entry age for a dependent child 91 days and maximum entry age is 25, Maximum age for adult 65 years
Secure Benefit:- doubles the insurance cover you buy, instantly and automatically. This means that you get a 2X coverage from day 1
Plus Benefit:- Base cover increases by y 50% after 1 year, and 100% after 2 years, irrespective of any claims made
Benefit:
Title
Description
Room Rent Limit
SI less than 50L: Up to single AC private room | SI 50L and above: All room types covered
ICU Daily Rent Limit
SI less than 50L: Up to single AC private room | SI 50L and above: All room types covered
Pre-Hospitalization Expenses
60 days, Up to Sum Insured
Post Hospitalization Expenses
180 days, Up to Sum Insured
Minimum Hospitalization Period
24 hours
Day Care Procedure Coverage
All Day Care Treatments covered
Additional Cover for Critical Illness
My: health Critical Illness Add On with Sum Insured options of Rs. 100,000 to Rs. 500,00,000 in multiples of Rs. 100,000
Automatic Restoration of Sum Insured
Up to 100% of Base Sum Insured for any illness any insured person
Pre-Existing Disease / Illness coverage
Covered after 36 months
Waiting Period for New Policy
30 days initial waiting period | 24 months waiting period on specific illnesses & surgical procedures
Co-Payment
No co-payment shall apply if Insured Person from Tier 2 avails a treatment in Tier 1.
Medical Screening
May be required based upon the age and basic sum insured.
Free Health Checkup
Individual policy SI 5L: Rs 1500 |SI 10L: Rs2000 |SI 15L: Rs4000 |20L, 25L & 50L: Rs5000 |100L & 200L: Rs8000 ||| Floater policy SI 5L: Rs 2500 |SI 10L: Rs5000 |SI 15L: Rs8000 |20L, 25L & 50L: Rs10000 |100L & 200L: Rs 15000
Ambulance Expenses
Road: Up to Sum Insured Air: Up to 500,000
Non-Allopathic Treatments
covers in-patient hospitalisation expenses alternate treatment methods viz. Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy.
Daily Hospitalization Allowance
my:Health Hospital Cash Benefit (Add-on) INR 500/ INR 1000/ INR 1500 /INR 2000/ INR 2500 / INR 3000 / INR 5000/ INR 7500/INR 10,000 to cover your out-of-pocket expenses.Daily Cash for Choosing Shared Accommodation 800 per day (max up to 4,800)
Donor Expenses
Covered up to Sum Insured | reimbursements for medical expenses incurred for organ donor’s in-patient treatment for harvesting of the organ donated.
No Claim Bonus
Cumulative Bonus (CB) 10% of the Base Sum Insured in respect of each claim free Policy Year, subject to maximum cap of 100%. If a claim is made in any particular Policy Year, the CB accrued shall be reduced at the same rate at which it has accrued.