THIS PLAN COMES WITH
Great customer service, 100% lifelong renewal, clear policy wordings and conditions, cashless access to the best 12,000 doctors and 10000+ hospitals in over 900 cities, tax deduction under Section 80D, our healthcare and health insurance expertise and one of the fastest claims settlement in the Industry. Buy, Renew & Claim ONLINE. 

 Optima Restore - Key Benefits 

           * Complete coverage *

 Complete coverage 60 days Prior & 180 days post your hospitalization. This ensures better planning of your hospitalization needs. 

           *Restore Benifit*

 An instant addition of 100% basic sum insured to your cover, on your first claim. So if you have a base sum insured of 5 lakhs, and you claim Rs. 1,00,000 at the beginning of the year, we will restore the base Sum Insured of 5 lakhs to your remaining balance, i.e. you will now have Rs. 9,00,000 which can be used for subsequent claims in the remaining policy year for all claims under In-patient Benefits.

           *Multiplier Benefit*

 For every claim free year, we’ll increase your basic sum insured by 50% as no claim bonus for 2 years. So if you have a 5 lakh policy and don’t claim in the first year, we will increase your cover to 7.5 lakh for the second year and 10 lakhs in the third year, while you only pay a premium for a 5 lakh policy.

          *Stay Active Benefit*

 Earn up to 8% discount on your renewal premium if the insured achieves the average step count on Healthjinn app.

It’s natural for you to believe, “what is going to happen to me?” But think about it, what if something does? Because accidents are unpredictable. How will your family cope with it then? Emotionally, and financially?

Accidental insurance policy offers financial support with multiple benefits, right from hospitalisation expenses to death and disability cover.

The policy ensures that when you crash, fall or something falls on you, your family’s financial stability neither crashes nor falls.

The policy will not compensate for any claim arisen due to:

• Self-inflicted injury, suicide or attempted suicide or abuse of intoxicants or hallucinogens including drugs and alcohol.
• Participation in actual or attempted felony, riots or civil commotion.
• If engaged in adventure sport unless Adventure Sport benefit is opted by insured.
• Participation or involvement in naval, military or air-force operations, any breach of law with criminal intent.
• War or any act of war, act of foreign enemy, public defense, rebellion, revolution, insurrection, military or usurped acts, chemical, radioactive or nuclear contamination.
• Pregnancy or childbirth or its complications, external congenital diseases.
• HIV/AIDS, sexually transmitted diseases.

Please refer to the policy document for the complete list of exclusions.

This is only a summary of the product features. The actual benefits available are as described in the policy, and will be subject to the policy terms, conditions and exclusions.