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Optima Restore Individual
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First of a kind Optima Restore plan offers a unique Restore benefit that automatically reinstates the basic sum insured in case you exhaust it in a policy year.


  • Restore Benefit Equal to 100% of Basic Sum Insured.
  • Multiplier benefit increases the insurance cover by 50% for one claim free year and then get double sum insured as no cliam bonus.
  • Get Critical Advantage Rider as on optional cover for treatment expenses for 8 major illnesses.
  • No loading on renewal premiums if a claim is made.
  • Get Emergency Air Ambulance Cover up Sum Insured.
  • Daily Cash benefit for shared Accommodation.
  • Get 7.5% discount by opting for two years policy
  • Life long policy renewal is available
  • An E-opinion is also provided, from our empanelled Doctors in respect of a Critical illness
  • Healthline service is also available free of cost which includes primary consultation, health related counseling, Nutrition and Diet
  • Free Health Risk Assessment which helps to profile your health status and provide recommendations on nutrition, diet and lifestyle
  • Tax rebate available as per provision of Income Tax Rules under section 80-D
  • No sub Limit on Room Rent.
  • Get treated on a cashless basis across 4000 hospitals in over 800 cities.
Title Description
Ambulance Expenses Up to 2000
Automatic Restoration of Sum Insured Yes, Once in a policy year
Daily Hospitalization Allowance Covered
Day Care Procedure Coverage Covered
Donor Expenses Covered
Free Health Checkup For SI 3 Lakh NA, For SI 5 Lakh Rs 1500, For SI 10 Lakh Rs 2000, For SI 15Lakh Rs 4000, For SI 20 Lakh, 25 Lakh, 50 Lakh Rs 5000
Minimum Hospitalization Period 24 Hrs
No Claim Bonus Up to 50% of basic sum insured, Max 100%
Post Hospitalization Expenses 180 days
Pre-Existing Disease / Illness coverage After 36 months, 24 months for specific diseases
Pre-Hospitalization Expenses 60 days
Room Rent Limit No Limit
Waiting Period for New Policy 30 days