HealthPrime Connect - Optimum: A comprehensive policy that gives you the perfect mix of coverage and benefits
Good medical treatment has always been expensive. But galloping inflation is now making it costlier than ever. With the world facing a growing risk of infectious diseases and lifestyle-related illnesses, individuals must safeguard themselves medically and financially by investing in a comprehensive health insurance policy.
When you or a loved one needs treatment, you don’t want to be thinking about costs or compromising on the quality of care. Our HealthPrime Connect – Optimum plan protects you financially and enables you to get treated just the way you want.
Optimum offers you high Sum Insured (up to Rs 50 lakh), no copay and sub-limits, pre- and post-hospitalisation cover, a host of allowances and coverage for a wide range of treatments including AYUSH, laser eye surgery, obesity, infertility and maternity.
Emergency medical help while you are 150-km away from your permanent residence(Note: This is not clear. Is it within 150 km or outside of 150km/)
Earn Rs 10,000 bonus after two successive claim-free year renewals. Use the bonus for any non-medical expense
Increase your Basic Sum Insured by 25% after every claim-free year (up to 150%) with our cumulative bonus enhancer
1. Sum Insured:
2. Expenses covered:
3. Allowances:
4. Other Expenses:
5. Maternity and childcare expenses
6. Specialised treatments and surgeries covered
7. Wellness benefits
8. Renewal Benefits:
9. Optional Benefits
Anyone above 18 years of age and under 65 can purchase the Optimum plan
You can easily cover yourself and your family with Optimum. Children between the age of 91 days and 25 years can be included as dependents.
You can include your family either with an individual plan (with a fixed Sum Insured for each member) or a floater plan (where one Sum Insured covers the entire family).
Choose an individual plan to cover yourself and your spouse, children, parents, parents-in-law, siblings, son-in-law, daughter-in-law, grandchildren and grandparents (Note: are siblings and son-, daughter-in-law included).
If you add more than two members, you can enjoy a 10% discount on the premium.
In a floater plan, you cover a maximum of two adults and three children (yourself, your spouse, your children, parents and parents-in-law)
A daily cash allowance lets you take care of out-of-pocket expenses that become necessary during hospitalisation. You can claim daily cash allowance after the first 48 hours or two days of hospitalisation.
Not necessarily. You can pay your premium annually, half-yearly, quarterly or monthly, whatever works for you.
Yes, you can buy optional worldwide coverage (up to 50% of Sum Insured) under the Optimum and Optimum Plus plans.
Yes, you can get up to Rs 3 lakh towards obesity treatment if your BMI is higher than 40 with medical co-morbidities.
You can opt for add-on covers for critical illness and personal accident by paying an additional premium.
Yes. Inpatient expenses towards Ayurveda, Yoga, Naturopathy, Unani, Siddha and Homoeopathy are covered in the Optimum plan.
Disclaimer:
Product Name:-HealthPrime Connect - Optimum Plan - Liberty General Insurance Limited , Product UIN: LIBHLIP19050V011920.
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Registration Number: 150 | ARN:Advt/2018/March/26 | CIN: U66000MH2010PLC209656
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