Family Health Optima


  • Single policy, wider coverage for whole family at an affordable premium.
  • Get extra sum insured (auto recharge) at no extra cost,
  • Health Checkup benefit for every claim free year
  • 3 times Automatic restoration of Sum insured by 100% each time
  • Cover for Assisted Reproductive Treatment
  • New-born baby cover from 16th day.
  • Donor expenses for organ transplantation.
  • Domiciliary Hospitalization Expenses for treatment exceeding 3 days.
  • Cover for all day care procedures
  • Grace Period 120 days


  • Any person aged between 18 years and 65 years, residing in India, can take this insurance.
  • Beyond 65 years only renewals
  • Child from 16th day of age can be covered as part of the family.



This policy is on floater basis.
Family : Proposer, spouse, dependent children from 16 days up to 25 years (those who are economically dependent on their parents)


Tax Benefits

Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.


Free Look Period

A free look period of 15 days from the date of receipt of the policy is available for reviewing the policy terms and conditions. In case insured is not satisfied he can seek cancellation of the policy and in such event the Company will allow refund of premium after adjusting the cost of pre- acceptance of medical screening, stamp duty charges and proportionate risk premium for the period concerned provided no claim has been made until such cancellation. Free look cancellation is not applicable at the time of renewal.


Guaranteed Lifetime Renewals

Life-long renewals beyond 65 years are offered under this policy.


Co-Payment: 20% of each and every claim for persons above 60 years at entry level and their subsequent renewals.


Pre-Acceptance Medical Screening: Persons above 50 years will be required to undergo pre-acceptance medical screening at the Company nominated centres. Cost of screening is currently borne by the company.


Pre-Existing Diseases/Illness: Are covered after 48 months of continuous Insurance without break with any Indian Insurance Company.


NOTE: Renewal premium, terms and conditions are subject to change with prior approval from IRDAI.




  • No Third Party Administrator, direct in-house claim settlement.
  • Faster and hassle free claim settlement.
  • Network of more than 7800 hospitals across India.
  • Facility for maintaining personal health records in electronic format.

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Contact Us

  No.1201/1,1st floor ,Raghavendra block
  srinagar,avalahalli main road
  Bangalore 560050
  Contact No: +91 9845197991