Health Insurance Policy

HealthPrime Connect – Optimum Plan

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.

Key Benefits of Optimum Health insurance Policy

Some of the main Optimum Health insurance Policy benefits offered as part of HealthPrime Connect Policy are as follows:
  • Attractive Renewal Benefits

    Wellness benefits

    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/)

  • Free Look Period

    Renewal Benefits

    Earn Rs 10,000 bonus after two successive claim-free year renewals. Use the bonus for any non-medical expense

  • Unique Loyalty Perk Benefits

    Add on covers

    Increase your Basic Sum Insured by 25% after every claim-free year (up to 150%) with our cumulative bonus enhancer

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Features and benefits of HealthPrime Connect – Optimum

1. Sum Insured:

  • Get covered up to Rs 50 lakh without copay or sub-limits.
  • Enjoy 100% restoration of your Sum Insured if it’s exhausted. You can use it for an unrelated event.

2. Expenses covered:

  • Inpatient (above 24 hours), daycare (under 24 hours)
  • Pre- and post-hospitalisation expenses: 90 days pre and 120 post
  • 10% of the Sum Insured for home treatment

3. Allowances:

  • Hospital Daily Cash: Rs 2000 per day max up to 10th day
  • Emergency local ambulance charges Rs 5000
  • Nursing Allowance: Rs 2000

4. Other Expenses:

  • Second opinion
  • Screening and treatment of organ donor and harvesting (up to Sum Insured)

5. Maternity and childcare expenses

  • Maternal care up to Rs 1 lakh
  • Antenatal and postnatal care up to Rs 10000
  • Infant care up to Rs 10000
  • Baby vaccinations till age three up to Rs 8000
  • Newborn screening up to Rs 3000
  • Stem cell banking for the first year up to Rs 10000

6. Specialised treatments and surgeries covered

  • Government-approved AYUSH treatments
  • Laser eye surgery
  • Vaccination against an animal bite
  • Obesity treatment
  • Infertility treatment

7. Wellness benefits

  • Preventive care services
  • Lead a healthier life and earn rewards
  • 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/)

8. Renewal Benefits:

  • Earn Rs 10,000 bonus after two successive claim-free year renewals. Use the bonus for any non-medical expense
  • Get a cashless health checkup when you renew
  • Avail of a 10% increase in the Basic Sum Insured after every claim-free year
  • Increase cover during renewal

9. Optional Benefits

  • Increase your Basic Sum Insured by 25% after every claim-free year (up to 150%) with our cumulative bonus enhancer
  • Get covered for OPD for Rs 10000, Rs 15000, Rs 20000 and Rs 30000 depending on your Sum Insured
  • Crtical Illness & Personal Accident Cover:
    • Critical Illness Cover – Get to choose the Sum Insured of Rs 200000 or Rs. 500000
    • Persona Accident Cover - Up to 100% or 150% of Critical Illness Sum Inured
    • Adventure sports – Get Up to 10% of Personal Accident Sum Insured
  • Worldwide coverage Up to 50% of Basic Sum Insured

Frequently Asked Questions(Optimum Health insurance Policy)

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Q 1. Who can buy the policy?

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Anyone above 18 years of age and under 65 can purchase the Optimum plan

Q 2. How can I cover myself and my family?

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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)

Q 3. What is daily cash allowance?

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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.

Q 4. Do I have to pay my premium at one go?

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Not necessarily. You can pay your premium annually, half-yearly, quarterly or monthly, whatever works for you.

Q 5. I travel frequently. Can I cover medical expenses outside India?

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Yes, you can buy optional worldwide coverage (up to 50% of Sum Insured) under the Optimum and Optimum Plus plans.

Q 6. Is treatment for obesity covered?

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Yes, you can get up to Rs 3 lakh towards obesity treatment if your BMI is higher than 40 with medical co-morbidities.

Q 7. Is critical illness covered?

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You can opt for add-on covers for critical illness and personal accident by paying an additional premium.

Q 8. Is alternative treatment covered?

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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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