14% - premium chart x travel (1)

About Optima Restore: + No sub-limits + No co-payment + No Room Rent Restrictions

+ Sum Insured 3/5/10/15/20/25/50 Lakhs+ Restore benefit to auto-reinstate your sum insured

+ Multiplier benefit offers a no claim benefit of 50% on 1 year & 100% on 2 Year...+ Pre & Post hospitalization coverage for 60 days & 180 days + All Day Care procedures to be covered* + Expenses for Organ Donor + Daily Cash for Shared Accommodation + e-Opinion with respect to critical illnesses + Lifelong renewal + Emergency Ambulance Rs. 2000 + Health check-up benefit + + No additional loadings at renewal due to claims > Buy Individual plan for 2 or more get 10% Discount > Buy 2 yr plan & get 7.5% Additional Discount

2 Yr Waiting Period – OPTIMA RESTORE

# Any Benign ear, nose and throat (ENT) disorder

Example: Sinusitis, Rhinitis etc

# All ear, nose and throat (ENT) surgery Example: Adenoidectomy, Mastoidectomy,

Tonsillectomy, Tympanoplasty, Septoplasty, Functional endoscopic sinus surgery (FESS)ENT

# Internal tumors, cysts, nodules, polyps including breast lumps

(each of any kind unless malignant) # Polycystic ovarian diseases

# Dilatation and curettage (D&C) # Hysterectomy for menorrhagia or fibromyoma or

prolapse of uterus unless necessitated by malignancy # Myomectomy for fibroids

Gynaeco-

logical

# Non infective arthritis # Gout and Rheumatism

# Age related Osteoporosis

# Joint replacement

# Surgery for prolapsed inter vertebral disk

Ortho-

paedic

# Calculus diseases of gall bladder # Fissure/fistula in anus,

hemorrhoids, pilonidal sinus # Gastric and duodenal ulcers # All

forms of cirrhosis

# Surgery of gallbladder and bile duct unless necessitated by malignancy

# Surgery of hernia

Gastro-

intestinal

# Calculus diseases of Urogenital system Example: Kidney stone,

Urinary Bladder stone etc

# Any surgery of Urogenital system unless necessitated by malignancy

# Surgery on prostate # Surgery for Hydrocele

Uro-

genital

# Cataract, # Internal tumors, cysts, nodules, polyps, skin tumors

(each of any kind unless malignant)# Surgery of varicose veins and varicose ulcers Others

OPTIMA RESTORE - PPC GRID

Age 3 Lacs 5 Lacs 10 Lacs 15 Lacs Age 3 Lacs 5 Lacs 10 Lacs 15 Lacs

18-45 NIL NIL NILCat - 17

[Rs 2700]56–60

Cat - 20

[Rs 1200]

Cat - 5

[M-1765/ F-1690]

Cat - 19

[Rs 2940]

Cat - 19

[Rs 2940]

46-55

Cat – 18

[Rs 990]

Cat - 18

[Rs 990]

Cat - 19

[Rs 2940]

Cat - 17

[Rs 2940]61–65

Cat - 21

[Rs-2140]

Cat - 21

[Rs-2140]

Cat – 19

[Rs 2940]

Cat - 19

[Rs 2940]

Note : Pls contact your Branch for PPC Grid details above 20L

INDIVIDUAL 3 L 5 L 10 L 15 L 20 L 25 L 50 L

0-17 4885 6197 7145 8562 10324 11204 14405

18-35 5836 7405 9861 11819 14250 15465 19884

36-45 6604 8379 11382 13642 16447 17850 22949

46-50 9660 12256 16935 20298 24471 26557 34145

51-55 12214 15497 21694 26002 31349 34022 43742

56-60 15769 20006 28448 34099 41109 44615 57362

61-65 21897 27782 40129 48099 57988 62932 80914

1A+1C 3 L 5 L 10 L 15 L 20 L 25 L 50 L

18-35 7528 9551 12337 14787 17827 19347 24875

36-45 8160 10352 13657 16369 19736 21418 27538

46-50 11353 14404 19409 23264 28047 30439 39136

51-55 14044 17818 24369 29209 35215 38218 49136

56-60 17633 22370 31174 37366 45048 48890 62858

61-65 23761 30146 42853 51365 61926 67207 86409

1A + 2C 3 L 5 L 10 L 15 L 20 L 25 L 50 L

18-35 9705 12312 15519 18602 22426 24339 31292

36-45 10160 12891 16583 19876 23963 26006 33436

46-50 13530 17165 22593 27080 32648 35431 45553

51-55 16396 20801 27809 33333 40185 43611 56072

56-60 20027 25411 34679 41566 50112 54384 69924

61-65 26157 33186 46358 55564 66990 72702 93475

1A + 3C 3 L 5 L 10 L 15 L 20 L 25 L 50 L

18-35 10913 13846 17287 20721 24980 27111 34857

36-45 11271 14300 18208 21824 26312 28555 36714

46-50 14738 18699 24360 29199 35202 38204 49120

51-55 17702 22460 29720 35622 42947 46609 59925

56-60 21359 27099 36625 43900 52925 57437 73849

61-65 27487 34875 48305 57898 69803 75755 97399

2A 3 L 5 L 10 L 15 L 20 L 25 L 50 L

18-35 8171 10366 13806 16548 19950 21650 27837

36-45 9752 12374 16768 20099 24232 26297 33811

46-50 13875 17603 24286 29110 35095 38087 48969

51-55 17491 22192 31005 37162 44802 48622 62515

56-60 22306 28300 40121 48090 57977 62920 80898

61-65 30039 38112 54845 65738 79255 86013 110588

2A+1C 3 L 5 L 10 L 15 L 20 L 25 L 50 L

18-35 9862 12513 16281 19515 23527 25533 32828

36-45 11309 14347 19044 22826 27520 29866 38398

46-50 15567 19750 26762 32077 38672 41970 53962

51-55 19321 24514 33680 40369 48669 52819 67910

56-60 24169 30665 42847 51356 61916 67195 86394

61-65 31903 40477 57571 69006 83193 90287 116083

2A+2C 3 L 5 L 10 L 15 L 20 L 25 L 50 L

18-35 12038 15274 19464 23330 28126 30525 39246

36-45 13308 16886 21969 26333 31747 34455 44298

46-50 17743 22512 29945 35891 43270 46962 60379

51-55 21673 27497 37120 44491 53640 58213 74846

56-60 26565 33705 46350 55555 66979 72690 93458

61-65 34298 43516 61076 73205 88257 95782 123149

2A+3C 3 L 5 L 10 L 15 L 20 L 25 L 50 L

18-35 14698 18648 23354 27992 33747 36625 47088

36-45 15754 19988 25545 30618 36913 40062 51507

46-50 20403 25886 33834 40554 48892 53061 68222

51-55 24547 31145 41323 49531 59714 64806 83323

56-60 29494 37420 50633 60689 73168 79406 102094

61-65 37227 47231 65358 78339 94446 102499 131784

+ Child 2223 2821 3250 3896 4697 5098 6554Note : A = Adult + C = Child

> Cumulative Bonus - get a CB @ 10%

for every claim-free year accumulating up to 100% (in the event of a claim, CB will be reduced by 10% of SI on the next renewal).

> Buy Individual plan for 2 get 5% &

3 or more get 10% Discount> Buy 2 yr plan & get 7.5% Discount

Critical Illness

(Optional -On Individual basis only)

Now available for All the Variants.

[50% or 100% of Basic Sum Insured]

Cancer, Coronary artery (bypass)Surgery, First Heart Attack, Kidneyfailure, Major Organ Transplantation,Multiple sclerosis, Paralysis & Stroke.

Individual 1 L 2 L 3 L 4 L 5 L

0-17 2054 3065 3833 4751 5212

18-35 2538 3663 4578 5677 6227

36-45 3266 4145 5181 6425 7046

46-50 4703 6064 7579 9398 10308

51-55 5770 7667 9583 11882 13032

56-60 6554 9896 12371 15340 16824

61-65 9101 13744 17180 21302 23364

1 A+1 C 2 L 3 L 4 L 5 L

18-35 4877 5906 7323 8032

36-45 5261 6402 7938 8706

46-50 7278 8907 11044 12114

51-55 8979 11018 13662 14984

56-60 11234 13833 17152 18812

61-65 4877 5906 7323 8032

1 A+2 C 2 L 3 L 4 L 5 L

18-35 6394 7613 9440 10355

36-45 6655 7971 9884 10840

46-50 8795 10615 13161 14435

51-55 10618 12863 15950 17493

56-60 12905 15713 19484 21369

1 A+3 C 2 L 3 L 4 L 5 L

18-35 8215 8561 10617 11644

36-45 8330 8843 10966 12026

46-50 10616 11563 14338 15725

51-55 12587 13889 17221 18888

56-60 14909 16757 20779 22790

2 A 2 L 3 L 4 L 5 L

18-35 5567 6409 7948 8718

36-45 6713 7652 9487 10406

46-50 9502 10885 13498 14804

51-55 11971 13722 17016 18663

56-60 15230 17500 21700 23800

2 A+ 1 C 2 L 3 L 4 L 5 L

18-35 6781 7737 9594 10523

36-45 7830 8871 11001 12066

46-50 10716 12213 15144 16610

51-55 13283 15157 18795 20615

56-60 16568 18962 23513 25788

2 A+ 2 C 2 L 3 L 4 L 5 L

18-35 8299 9445 11711 12844

36-45 9225 10441 12947 14200

46-50 12233 13921 17261 18932

51-55 14924 17003 21083 23124

56-60 18239 20841 25844 28345

ST@14%

2 A+ 3 C 2 L 3 L 4 L 5 L

18-35 10120 11531 14299 15683

36-45 10898 12359 15325 16808

46-50 14054 16007 19849 21769

51-55 16893 19258 23881 26192

+ Child 1395 1744 2163 2371

Exclusive - Individual

Age 3 L 4 L 5 L 7.5 L 10 L 15 L 20 L 25 L 50 L

0-17 4177 5180 6249 6617 7819 9076 10043 10904 14061

18-35 4990 6188 7466 9134 10795 12527 13864 15053 19410

36-45 5648 7003 8449 10542 12458 14459 16001 17374 22402

46-50 8262 10244 12359 15684 18536 21512 23808 25848 33331

51-55 10445 12952 15626 20093 23746 27558 30500 33114 42699

56-60 13484 16720 20172 26349 31140 36139 39996 43425 55995

61-65 18726 23220 28013 37166 43924 50976 56416 61252 78983

Exclusive – 1 A + A C

Age 3 L 4 L 5 L 7.5 L 10 L 15 L 20 L 25 L 50 L

0-17 7233 8969 10821 12839 15172 17609 19488 21158 27283

18-35 7840 9722 11729 14213 16796 19493 21573 23423 30202

36-45 10908 13526 16319 20199 23871 27705 30661 33288 42924

46-50 13493 16732 20187 25361 29971 34783 38495 41795 53893

51-55 16941 21007 25344 32441 38340 44496 49244 53466 68943

56-60 22831 28309 34154 44597 52705 61167 67694 73497 94773

61-65 7233 8969 10821 12839 15172 17609 19488 21158 27283

1A+2C 3 L 4 L 5 L 7.5 L 10 L 15 L 20 L 25 L 50 L

18-35 9325 11563 13949 16151 19087 22152 24515 26617 34322

36-45 9762 12106 14605 17256 20395 23669 26194 28440 36672

46-50 13000 16119 19447 23511 27785 32247 35689 38747 49963

51-55 15754 19535 23567 28939 34201 39693 43929 47694 61500

56-60 19243 23862 28788 36088 42650 49498 54780 59476 76693

1A+3C 3 L 4 L 5 L 7.5 L 10 L 15 L 20 L 25 L 50 L

18-35 10485 13002 15687 17990 21262 24675 27309 29649 38231

36-45 10830 13429 16202 18948 22394 25988 28763 31227 40266

46-50 14160 17560 21185 25352 29960 34770 38481 41779 53874

51-55 17009 21091 25445 30929 36552 42421 46948 50971 65727

56-60 20523 25448 30702 38115 45044 52276 57856 62814 80998

2A 3 L 4 L 5 L 7.5 L 10 L 15 L 20 L 25 L 50 L

18-35 7849 9734 11743 14368 16980 19705 21809 23678 30532

36-45 9371 11619 14018 17451 20624 23935 26489 28759 37085

46-50 13332 16530 19944 25275 29869 34665 38364 41652 53711

51-55 16807 20840 25143 32265 38131 44253 48975 53174 68566

56-60 21432 26576 32064 41752 49344 57267 63378 68810 88728

2A+1C 3 L 4 L 5 L 7.5 L 10 L 15 L 20 L 25 L 50 L

18-35 9476 11751 14177 16944 20024 23239 25719 27924 36006

36-45 10866 13473 16255 19818 23421 27182 30083 32662 42116

46-50 14957 18547 22376 27851 32914 38198 42275 45899 59184

51-55 18564 23019 27771 35049 41422 48072 53202 57762 74483

56-60 23223 28796 34742 44588 52696 61157 67683 73484 94756

2A+2C 3 L 4 L 5 L 7.5 L 10 L 15 L 20 L 25 L 50 L

18-35 11567 14344 17305 20255 23939 27782 30747 33382 43045

36-45 12787 15856 19130 22863 27019 31358 34704 37679 48586

46-50 17049 21140 25504 31162 36829 42741 47303 51357 66223

51-55 20824 25822 31153 38628 45653 52982 58636 63662 82091

56-60 25525 31651 38186 48235 57005 66157 73218 79494 102506

61-65 32955 40865 49302 63558 75115 87174 96478 104747 135069

2A+1C 3 L 4 L 5 L 7.5 L 10 L 15 L 20 L 25 L 50 L

18-35 14123 17513 21127 24304 28722 33334 36891 40053 51647

36-45 15136 18769 22644 26584 31417 36461 40352 43811 56493

46-50 19604 24309 29328 35211 41613 48293 53447 58028 74825

51-55 23587 29247 35285 43004 50822 58983 65277 70872 91387

56-60 28339 35140 42395 52693 62272 72271 79983 86839 111977

+ Child 2135 2648 3195 3383 3998 4639 5135 5574 7188

Age / SI 1 L 1.5 L 2 L 2.5 L 3 L 3.75 L 4 L 5 L 7.5 L 10 L

0-17 35 52 70 87 105 131 139 174 261 349

18-35 132 197 263 329 396 494 527 659 987 1317

36-45 404 605 807 1009 1211 1513 1613 2017 3026 4033

46-50 885 1327 1769 2213 2655 3319 3540 4424 6637 8849

51-55 1458 2187 2915 3645 4373 5466 5830 7288 10933 14576

56-60 2303 3454 4606 5757 6908 8636 9211 11514 17271 23028

61-65 3433 5149 6865 8582 10298 12873 13730 17163 25745 34327

Individual - Premium

Age 4 L 5 L 7.5 L 10 L 15 L 20 L 25 L 50 L

0-17 6415 7739 8195 9685 10941 11908 12770 1592618-35 7664 9247 11312 13369 15102 16439 17627 2198536-45 8673 10464 13056 15430 17431 18973 20344 2537446-50 12687 15307 19426 22957 25934 28229 30269 3775251-55 16041 19353 24885 29410 33222 36163 38777 4836256-60 20709 24984 32634 38567 43567 47424 50852 63423

Family Floater - Premium - 1 A + 1 C

Age 4 L 5 L 7.5 L 10 L 15 L 20 L 25 L 50 L

18-35 9887 11928 14152 16725 18893 20566 22052 27503

36-45 10716 12929 15666 18515 20914 22766 24412 30446

46-50 14910 17988 22265 26313 29724 32355 34695 43271

51-55 18444 22252 27954 33037 37319 40623 43559 54327

56-60 23157 27937 35761 42262 47741 51967 55724 69498

EASY HEALTH Without Critical Illness EASY HEALTH With Critical Illness

Age > 2 lacs 2 to 5 5 to 10 > 10L &upto 50LUpto 2 > 2 to 5 > 5 to 10 > 10L &upto 50L

18-45 Nil Nil Nil Cat - 17 [Rs 2700] Nil Nil CAT - 3 CAT - 17

46-55 CAT - 1 CAT - 3 CAT - 3 CAT - 19 CAT - 1 CAT - 6 Cat - 5 [M-1765 / F-1690] CAT - 19

56-60 CAT - 2 CAT - 4 Cat - 5 [M-1765 / F-1690] CAT - 19 CAT - 2 CAT - 7 CAT - 8 CAT - 19

61-65 CAT - 22 CAT - 23 CAT - 23 CAT - 23 CAT - 23 CAT - 23 CAT - 23 CAT - 23

NA NOT APPLICABLE PPC GRID

CAT 1 Rs 300 ME,FBS,ECG

CAT 2 Rs 350 ME,RUA, FBS,ECG

CAT 3 Rs 630 ME,RUA, FBS,ECG, CBC, TC

CAT 4 Rs 1050 ME,RUA, FBS,CBC, LIPIDS, ECG

CAT 5 M-Rs 1765 / F-1690 ME,RUA, FBS,CBC, LIPIDS, TMT, SGOT, HbA1c, Sr Crest, PSA (M) USG Abd (F)

CAT 6 Rs 1730 ME, RUA, FBS, CBC, TMT, Lipids

CAT 7 Rs 1830 ME, RUA, FBS, CBC, Lipids, TMT, SGOT, SrCreatinine

CAT 8 2700 ME,FBS,TMT,RUA,CBC,Lipids,RFT,LFT,PSA(males),USG Abd(females),HbA1C

CAT 9 Rs 1130 ME,FBS,ECG,RUA,CBC,Lipids,Serum creatinine

Cat - 17 Rs.2700 ME, RUA, FBS, CBC, Sr-Creat, Lipid Profile, PSA(Males), TMT, SGOT, USG Abd(females), HbA1c, SGPT, GGT, HBsAg

Cat - 18 Rs.990 ME, RUA, FBS, CBC, ECG, TC, HbA1c

Cat - 19 Rs.2940 ME, RUA, FBS, CBC, Lipid Profile, PSA(Males), TMT, USG Abd (Males & Females), HbA1c, LFT, RFT, HBsAg

Cat - 20 Rs.1200 ME, RUA, FBS, CBC, Lipids, ECG, HbA1c

CAT 21 Rs 2140 ME,RUA, FBS,CBC, LIPIDS, TMT, SGOT, HbA1c, Sr Crest, PSA (M) USG Abd (F), Total Proteins

CAT 22 M-Rs 1865 / F-1790 ME, FBS, RUA, CBC, Lipids, SGOT, Serum creatinine, PSA(males), USGAbd(females), Total proteins, ECG, 2D ECHO

CAT 23 Rs 2800 ME,FBS,RUA,CBC,Lipids,HbA1C,RFT,LFT,PSA(males),USG Abd(females),ECG, 2D ECHO

2 Yr WAITING PERIOD – EASY HEALTH & ENERGY Treatment Organ

# Sinusitis # Rhinitis # Tonsillitis

# Adenoidectomy # Mastoidectomy # Tonsillectomy

# Tympanoplasty # Surgery for nasal septum deviation

# Nasal concha resection

ENT

# cysts, polyps including breast lumps

# Polycystic ovarian disease # fibroids (fibromyoma)

# Dilatation and curettage (D&C) # Myomectomy for

Fibroids

Gynaeco-

logical

# Non infective arthritis # Gout and Rheumatism

# Osteoarthritis and Osteoporosis

# Surgery for prolapsed inter vertebral disk

# Joint replacement Surgeries

Ortho-

predict

# Calculus diseases of gall bladder including Cholecystitis

# Pancreatitis # Fissure/fistula in anus, hemorrhoids, pilonidal sinus

# Ulcer and erosion of stomach and duodenum

# Gastro Esophageal Reflux Disorder (GERD) # All forms of

cirrhosis (Please Note: All forms of cirrhosis due to alcohol will be excluded)

# Perineal Abscesses # Perianal Abscesses

# Cholecystectomy

# surgery of hernia

Gastro-

intestinal

# Calculus diseases of Urogenital system Example: Kidney stone, Urinary

bladder Stone. # Benign Hyperplasia of Prostate

# Surgery on prostate # Surgery for Hydrocele/

RectoceleUro-genital

# Cataract Nil Eye

Nil # Surgery of varicose veins and varicose Ulcers Others

# Internal tumors, cysts, nodules, polyps, skin Tumors# NIL ( General: Applicable to all organ systems/

organs / disciplines Whether or not described Above)

General

1A+2C 4 L 5 L 7.5 L 10 L 15 L 20 L 25 L 50 L

18-35 12745 15376 17802 21040 23767 25870 27741 34598

36-45 13344 16098 19022 22481 25395 27643 29641 36968

46-50 17768 21437 25916 30628 34598 37661 40383 50366

51-55 21532 25978 31901 37700 42587 46357 49709 61995

1A+3C 4 L 5 L 7.5 L 10 L 15 L 20 L 25 L 50 L

18-35 14332 17292 19830 23436 26474 28818 30901 38540

36-45 14803 17859 20886 24684 27883 30353 32546 40592

46-50 19356 23352 27944 33025 37307 40608 43543 54307

51-55 23249 28049 34092 40291 45513 49543 53124 66256

2 A 4 L 5 L 7.5 L 10 L 15 L 20 L 25 L 50 L

18-35 10730 12945 15837 18717 21142 23014 24678 30778

36-45 12808 15453 19235 22733 25680 27953 29974 37383

46-50 18222 21984 27859 32924 37193 40485 43412 54143

51-55 22971 27715 35566 42032 47480 51683 55420 69118

2A+1C 4 L 5 L 7.5 L 10 L 15 L 20 L 25 L 50 L

18-35 12953 15627 18677 22073 24933 27141 29103 36296

36-45 14851 17917 21846 25818 29165 31746 34040 42456

46-50 20445 24665 30699 36281 40984 44612 47837 59662

51-55 25374 30612 38635 45658 51577 56143 60201 75083

2A+2C 4 L 5 L 7.5 L 10 L 15 L 20 L 25 L 50 L

18-35 15811 19074 22327 26386 29808 32446 34792 43392

36-45 17478 21087 25201 29784 33645 36623 39270 48978

46-50 23303 28114 34349 40595 45858 49917 53525 66757

51-55 28464 34339 42580 50322 56845 61877 66350 82751

2A+3C 4 L 5 L 7.5 L 10 L 15 L 20 L 25 L 50 L

18-35 19304 23289 26790 31660 35764 38931 41745 52064

36-45 20689 24960 29303 34631 39120 42584 45662 56949

46-50 26796 32327 38812 45869 51814 56402 60479 75428

+ Child 2918 3521 3729 4406 4978 5418 5811 7247

GOLD Plan - With No Co-payment Silver Plan - With No Co-payment1. HEALTH COVERAGE (best comprehensive cover)

> Day one coverage for all hospitalisation arising out

of Diabetes and Hypertension (No waiting period)

> In-patient hospitalisation

> Pre and post hospitalisation cover of 30 & 60 days

> Day care coverage for 144 day care procedures etc

2. WELLNESS PROGRAM

(designed to manage your health)Wellness Test 1 [4 M] & Wellness Test 2 [9 M] Two complete medical checks administered during the policy year.

3. THE REWARDS POINTS (rewards for staying healthy)

Based on the results of your medical tests and key health parameters such as BMI, BP, HbA1c & Cholesterol we offer Client incentives for staying healthy.>> Renewal Premium discounts of up to 25% for management of health conditions. >> Reimbursement up to 25% of renewal premium towards your medical expenses

ENERGY* Silver plan: cost for wellness tests is excluded # Gold plan: cost for wellness tests is included

(Both variants available with a co-payment options. You will have to bear 20% of the claim amount payable)

Individual Personal Accident Plan

Benefits: Accidental Death [AD] - A lump sum

payment would be made in the event of the Death due to

an accident

Permanent Total Disablement [PTD] - A lump sum

payment would be made, as per the scale provided in the

policy, in the event of Permanent Total Disability due to an

accident.

Permanent Partial Disablement [PPD] - A lump sum

payment would be made, as per the scale provided in the

policy, in the event of Permanent Partial Disability due to

an accident.

Education Fund - If a claim under AD or PTD is accepted

for an insured person, we will pay 50% of sum insured per

dependent child (up to maximum of two children), provided

that such dependent child is pursuing an educational

course as a full time student in an educational institution.

Temporary Total Disablement - A weekly allowance

would be paid to the insured to compensate loss of income

because of Temporary Total Disability caused by an

accident.

Accident Medical Expenses: If we have accepted a claim

under AD, PTD, PPD or TTD, we will reimburse the

medical expenses incurred in hospital.

Broken Bones - A lump sum Payment would be made, as

per the scale provided in the policy, in the event of fracture

of bone due to an accident.

• Modification of Residence/Vehicle - If we have

accepted a claim under PTD, reasonable expenses

incurred to modify the insured person’s residential

accommodation or the insured person’s vehicle will be

covered.

Family Discount @ 10% if 2 or more

• The sum insured for proposer is up to 10 times ofthe total annual income.

• The sum insured for spouse and dependent parentis 50% of proposer’s accidental death sum insured,maximum Rs. 50,00,000.

• The sum insured for Children is 25% of proposer’saccidental death sum insured, maximum Rs. 10 Lacs

ENERGY PPC GRID: >> Medical Examination Reprt >> Urine Routine – Microscopic with check for micro albumin urea >> Lipids >> Fasting Blood sugar >> Tread Mill Test [TMT] / 2D ECHO with ECG >> Total Proteins >> HbA1c >> Serum Glutamic Oxaloacetic transminase [SGOT] >> Serum Creatinine >> PSA [males] >> USG Abd [females] >> Eye & Foot exam [diabetic] ^^ Pre Policy Check on cashless basis ^^ PPC Cost Rs. 4500 ***Note: In lieu of TMT proposer may undergo Dobutamine Stress Echo or Thallium Scan any additional cost would be borne by proposer

Occupation class I : : Persons engaged in White collar non-hazardous occupations in office, showroom only.Examples: > Lawyers, > Doctors & Dentists, > Office Executives & Clerks, Insurance salesperson, > Superintending/ Consulting Engineers, > Teachers, > Bureaucrats, > Accountants, > Architects, > Bankers, Persons engaged in administration functions and Persons primarily engaged in occupations of similar hazard.

Occupation class II : Persons engaged in Semi-hazardous occupations with duties in a supervisory capacity, and not a machine operator of any type, or doing manual work. E.g. follows> Builders, > Contractors, > Salesmen and Sales engineer > On-site Engineers, > Personal Car Drivers, > Veterinary Doctors, > Dental technicians and persons engaged in occupation of similar hazards

Occupation class III : Persons engaged in Skilled or semi-skilled work using light / heavy machinery. E.g. follows> Taxi Drivers, > Mechanics, > Farmers, > Skilled/Semi-skilled labourers and Persons engaged in occupations of similar hazards.

Occupation class v : Person with un-earned income or no income at all. Housewife, Househusband, Student, Landlord (Rental income) & Retiree.50 lacs or 10 times of annual unearned income - >> No TTD ... E.g. follows[Premium as per Class – 1]

Occupation class IV: Any occupation not falling into any category above will be declined risk. E.g. follows> Stage performer, > Film industry worker, > Heavy vehicle driver, > Police and Security services, > Armed forces, > People working at heights or at depths, > Electrical worker and persons engaged in occupation of similar hazards (Refer comprehensive list) Link to comprehensive list.

http://info.apollomunichinsurance.com/pa-categories/ & http://bit.ly/1mM5kA7

GOLD Plan - With 20% Co- payment Silver Plan - With 20% Co-payment

http://bit.ly/1mM5kA7

10,00,000

In

divid

ua

l5,00,000

7,00,000

Inc. Service Tax 14%

Deductible 1Lakh 2Lakhs 3Lakhs 4Lakhs 5Lakhs 6Lakhs 7Lakhs 10Lakhs

0-17 2,639 2,109 1,927 1,801 1,659 1,539 1,357 1,140

18-35 2,930 2,343 2,143 2,001 1,847 1,710 1,505 1,271

36-45 3,962 3,483 3,095 2,856 2,548 2,212 1,864 1,573

46-50 6,572 5,837 5,130 4,543 4,207 3,671 3,317 2,844

51-55 10,009 8,898 7,815 6,926 6,213 5,592 5,056 4,338

56-60 13,076 11,708 10,083 8,989 7,866 6,869 6,207 5,324


0-17 3,101 2,480 2,269 2,143 2,035 1,938 1,756 1,573

18-35 3,443 2,753 2,519 2,383 2,263 2,155 1,949 1,744

36-45 4,651 4,093 3,642 3,403 3,124 2,793 2,417 2,160

46-50 7,724 6,863 6,025 5,409 5,153 4,634 4,298 3,916

51-55 11,765 10,460 9,183 8,242 7,615 7,057 6,544 5,962

56-60 15,373 13,760 11,856 10,699 9,644 8,664 8,037 7,325


0-17 3,523 2,856 2,673 2,594 2,542 2,497 2,343 2,212

18-35 3,910 3,169 2,970 2,884 2,822 2,776 2,599 2,462

36-45 5,284 4,714 4,292 4,121 3,893 3,597 3,221 3,050

46-50 8,772 7,906 7,108 6,549 6,430 5,968 5,729 5,518

51-55 13,367 12,044 10,836 9,981 9,496 9,092 8,727 8,408

56-60 17,459 15,846 13,988 12,956 12,027 11,166 10,716 10,323

A Super TOP UP Plan

a) Family Discount of 10% if 2 or more family members are covered under Optima Super Individual Sum Insured plan.

a) An Additional Discount of 7.5% is offered on premium if you choose to Pay 2 years premium in advance.

Fam

ily Floate

r ( 1 A

dult + 1 C

hild)

5,00,000

7,00,000

10,00,000


18-35 4,395 3,517 3,215 2,998 2,770 2,559 2,257 1,904

36-45 5,421 4,657 4,167 3,859 3,471 3,067 2,616 2,206

46-50 8,031 7,011 6,196 5,546 5,130 4,526 4,070 3,477

51-55 11,474 10,072 8,886 7,929 7,136 6,447 5,808 4,970

56-60 14,541 12,876 11,155 9,992 8,789 7,718 6,960 5,957


18-35 5,164 4,133 3,779 3,568 3,392 3,232 2,924 2,616

36-45 6,373 5,472 4,902 4,594 4,252 3,870 3,392 3,032

46-50 9,445 8,242 7,285 6,601 6,287 5,711 5,273 4,788

51-55 13,492 11,839 10,442 9,434 8,744 8,134 7,518 6,834

56-60 17,094 15,139 13,116 11,890 10,773 9,741 9,012 8,197


18-35 5,865 4,760 4,457 4,321 4,235 4,167 3,899 3,688

36-45 7,239 6,299 5,780 5,558 5,307 4,982 4,520 4,275

46-50 10,727 9,491 8,596 7,991 7,838 7,353 7,028 6,743

51-55 15,322 13,629 12,323 11,423 10,910 10,482 10,026 9,633

56-60 19,414 17,431 15,470 14,398 13,435 12,551 12,016 11,548

Fam

ily Floate

r ( 1 A

dult + 2 C

hild)

5,00,000

7,00,000

10,00,000


18-35 5,273 4,218 3,859 3,602 3,323 3,072 2,713 2,286

36-45 6,304 5,358 4,811 4,457 4,024 3,580 3,072 2,588

46-50 8,915 7,712 6,840 6,145 5,683 5,033 4,520 3,859

51-55 12,352 10,773 9,525 8,527 7,689 6,960 6,259 5,352

56-60 15,419 13,583 11,799 10,591 9,342 8,231 7,410 6,338


18-35 6,196 4,959 4,532 4,286 4,076 3,882 3,511 3,141

36-45 7,410 6,299 5,654 5,307 4,936 4,514 3,979 3,557

46-50 10,477 9,069 8,043 7,313 6,965 6,356 5,854 5,307

51-55 14,524 12,665 11,201 10,146 9,428 8,784 8,105 7,359

56-60 18,126 15,966 13,868 12,603 11,451 10,391 9,599 8,721


18-35 7,040 5,711 5,347 5,187 5,079 4,999 4,680 4,429

36-45 8,413 7,250 6,669 6,424 6,150 5,814 5,301 5,016

46-50 11,902 10,442 9,485 8,858 8,687 8,185 7,803 7,484

51-55 16,496 14,581 13,213 12,289 11,753 11,315 10,807 10,374

56-60 20,588 18,383 16,365 15,259 14,284 13,384 12,797 12,289

OP

TIM

A S

UP

ER

-

PP

C G

RID

5 L

AC

S7

L

AC

S1

0 L

AC

S

5 L

AC

S

Fa

mily F

lo

ate

r ( 2

A

du

lt + 1

C

hild

)

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mily F

lo

ate

r ( 2

A

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)

Fam

ily Floate

r ( 2 A

dults )

Inc. Service Tax 14%

A S

up

er

TOP

UP

Pla

n5,00,000

7,00,000

10,00,000


18-35 4,685 3,751 3,426 3,198 2,953 2,730 2,411 2,029

36-45 6,333 5,575 4,953 4,571 4,076 3,540 2,987 2,514

46-50 10,511 9,342 8,202 7,273 6,726 5,871 5,307 4,554

51-55 16,017 14,239 12,500 11,081 9,941 8,949 8,088 6,937

56-60 20,925 18,730 16,137 14,387 12,586 10,984 9,929 8,516


18-35 5,512 4,406 4,030 3,808 3,620 3,449 3,118 2,793

36-45 7,444 6,549 5,825 5,444 4,999 4,463 3,865 3,460

46-50 12,358 10,984 9,644 8,653 8,248 7,410 6,874 6,259

51-55 18,827 16,735 14,695 13,190 12,187 11,292 10,471 9,542

56-60 24,596 22,019 18,970 17,117 15,430 13,868 12,859 11,714


18-35 6,259 5,073 4,754 4,611 4,514 4,440 4,161 3,933

36-45 8,459 7,541 6,869 6,589 6,230 5,751 5,153 4,874

46-50 14,033 12,643 11,377 10,482 10,283 9,548 9,160 8,824

51-55 21,386 19,272 17,339 15,971 15,196 14,546 13,959 13,446

56-60 27,936 25,348 22,378 20,731 19,243 17,864 17,146 16,513

7 L

AC

S1

0 L

AC

S5

L

AC

S7

L

AC

S1

0 L

AC

S


18-35 6,150 4,919 4,497 4,201 3,876 3,585 3,164 2,662

36-45 7,798 6,743 6,025 5,575 4,999 4,395 3,739 3,146

46-50 11,976 10,517 9,274 8,271 7,649 6,726 6,059 5,187

51-55 17,482 15,407 13,572 12,084 10,864 9,804 8,841 7,570

56-60 22,390 19,904 17,208 15,384 13,509 11,839 10,682 9,154


18-35 7,233 5,786 5,290 4,999 4,754 4,526 4,098 3,665

36-45 9,166 7,929 7,085 6,635 6,128 5,540 4,839 4,332

46-50 14,079 12,358 10,904 9,844 9,377 8,487 7,849 7,136

51-55 20,549 18,115 15,954 14,381 13,315 12,369 11,451 10,414

56-60 26,317 23,393 20,229 18,308 16,559 14,945 13,834 12,586


18-35 8,214 6,663 6,242 6,053 5,928 5,831 5,461 5,164

36-45 10,414 9,131 8,356 8,031 7,644 7,142 6,452 6,105

46-50 15,989 14,233 12,865 11,919 11,696 10,933 10,460 10,055

51-55 23,342 20,856 18,821 17,414 16,604 15,937 15,259 14,678

56-60 29,891 26,938 23,866 22,173 20,651 19,249 18,445 17,744


18-35 7,028 5,626 5,141 4,799 4,429 4,098 3,614 3,044

36-45 8,675 7,450 6,669 6,173 5,552 4,902 4,190 3,528

46-50 12,854 11,218 9,918 8,875 8,202 7,239 6,509 5,569

51-55 18,360 16,114 14,216 12,683 11,417 10,311 9,291 7,952

56-60 23,267 20,606 17,852 15,983 14,062 12,352 11,132 9,530


18-35 8,265 6,612 6,048 5,711 5,432 5,170 4,680 4,190

36-45 10,203 8,755 7,838 7,347 6,806 6,190 5,426 4,856

46-50 15,111 13,184 11,657 10,556 10,055 9,137 8,436 7,655

51-55 21,580 18,941 16,712 15,094 13,994 13,019 12,033 10,938

56-60 27,349 24,219 20,982 19,021 17,237 15,590 14,421 13,110


18-35 9,388 7,615 7,131 6,914 6,772 6,663 6,242 5,905

36-45 11,588 10,083 9,245 8,898 8,487 7,974 7,233 6,840

46-50 17,163 15,185 13,754 12,785 12,540 11,771 11,240 10,790

51-55 24,516 21,808 19,716 18,274 17,453 16,769 16,040 15,419

56-60 31,065 27,890 24,755 23,034 21,500 20,081 19,220 18,479

Age 1 Lac 2 Lacs 3 Lacs 4 Lacs 5 Lacs 6 Lacs 7 Lacs 10 Lacs

18-45 CAT 2 NA NA NA NA NA NA NA

46-55 CAT - 3 CAT - 3 CAT - 3 CAT - 3 CAT 1 CAT 1 CAT 1 CAT 1

56-60 CAT 5 CAT 4 CAT 4 CAT 4 CAT 2 CAT 2 CAT 2 CAT 2



18-45 CAT 2 CAT 2 CAT 2 CAT 2 NA NA NA NA

46-55 CAT - 3 CAT - 3 CAT - 3 CAT - 3 CAT - 3 CAT - 3 CAT - 3 CAT 1




18-45 NA NA NA NA NA NA NA NA

46-55 CAT - 3 CAT - 3 CAT 1 CAT 1 CAT 1 CAT 1 CAT 1 CAT 1



PPC Grid

- Vital1 to 2 Lac 3 to 5 Lacs 10 Lacs 15, 20 Lacs

25,30,35,40,45

50 Lac

18-45 Nil NilCAT 9 –

(Rs 1130)

CAT 9 - (Rs

1130)CAT8M/CAT 8F

46-55CAT 3 –

(Rs 630)

CAT 5M/CAT

5F–

CAT 5M/CAT

5F–

CAT 5M/CAT

5F–CAT8M/CAT 8F

56- 60CAT 9 – (Rs

1130)

CAT 5M/CAT

5F–

CAT 5M/CAT

5F–

CAT8M/CAT

8F –NOT Eligible

61 +CAT 23 -

(Rs 2800)

CAT 23 -

(Rs 2800)

CAT 23 –

(Rs 2800)

CAT 23 –

(Rs 2800)NOT Eligible

37 Critical illnesses covered under the policy

Optima Vital insurance will pay the insured person the sum insured as a lump sum amount for the identified critical illness,

medical events or surgical procedures listed below

(The Insured Person must survive 30 days from the date of confirmed diagnosis and defined severity)

1. Cancer of specified severity 2. Kidney failure requiring regular dialysis 3. Multiple sclerosis with persisting symptoms

4. End stage liver disease of specified severity 5. First heart attack of specified severity 6. COMA of specified severity

7. Major burns 8. Goodpasture’s syndrome 9. Apallic syndrome 10. Aplastic anaemia

11. Systemic lupus erythematosis 12. Bacterial meningitis 13. Multiple system atrophy 14. Progressive scleroderma

(Insured person must survive 30 days from the date of actual undergoing of the below procedures)

15. Open chest CABG 16. Major organ/bone marrow transplant 17. Aorta graft surgery

18. Open heart replacement or repair of heart valve 19. Pneumonectomy 20. Pulmonary artery graft surgery

(Insured Person must survive 90 days from the date of confirmed diagnosis of below defined events)

21. Primary parkinson’s disease 22. Alzheimer’s disease 23. Motor neuron disease with permanent symptoms

24. Stroke resulting in permanent symptoms 25. Permanent paralysis of limbs 26. Primary pulmonary arterial hypertension

27. Benign brain tumour [resulting in permanent neurological symptoms] 28. Cardiomyopathy 29. End stage lung disease

30. Brain surgery 31. Progressive supranuclear palsy 32. Creutzfeldt-jakob disease (CJD) 33. Major head trauma

(Insured person must exhibit permanent impairment for 6 months from the occurrence of the event)

34. Encephalitis 35. Blindness 36. Deafness 37. Total loss of speech

Important Note: Please refer to the policy wording to learn more details regarding the specific definitions and listed conditions required to be fulfilled while accepting a critical illness claim.

Optima Cash 90 days 180 days 1000 2000 3000

> Sickness Hospital Cash 90 days 180 Days 1000 2000 3000

> Sickness ICU Cash Max upto 15 days* 2000 4000 6000

> Accident Hospital Cash 90 days 180 Days 1000 2000 3000

> Accident ICU Cash Max. upto 15 Days 2000 4000 6000

> Day Care Procedure Cash Max. upto 6 Procedures 500 1000 1500

> Joint Hospitalisation due to an Accident Max. upto 10 days 2000 4000 6000

> Convalescence Cash once in Policy Year 1000 2000 3000

Optima Senior

Age/Group 2 L 3 L 5 L

61-65 13602 16661 25710

66-70 17256 21889 35020

71-75 20938 27344 44948

76-80 27610 36057 59423

81-85 36538 48374 80768

>85 48447 65016 109898

Note: 7.5% Discount is offered on premium if you choose to pay 2 Years Premium in advance.

14% - premium chart x travel (1)

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