Group Mediclaim Insurance Policy vs Optima Lite Health Insurance Plan Health Insurance Plan 2026

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Reliance General Group Mediclaim Insurance provides economical health coverage for employees and their families, offering tax benefits and customizable plans across three variants: Standard, Silver, and Gold. It's designed for corporates, SMEs, and other

PLAN DETAILS

Group Mediclaim Insurance Policy

Optima Lite Health Insurance Plan

Product Type	Group Health Insurance	Individual
Key Features (Key features of the plan)	Coverage for employees 3 variants available Avail tax benefits	100% Cumulative Bonus Benefit No Room Rent Limits Affordable Entry-Level Health Cover
OPD Details (In some policies, OPD (Out patient department) expenses are also covered.)	-	Covered
Room Rent (A limit of room rent cover during hospitalization if any)	-	Covered
Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home)	-	Covered
Pre-hospitalization (Expenses before the insured is hospitalized)	-	Covered
Post-hospitalization (Expenses after discharge from the hospital)	-	Covered
Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.)	-	Not Covered
Hospital_network (Number of Hospital Network in city)	9100	15000
Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants)	-	Covered
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc)	-	Covered
Ambulance Charges (Expenses incurred on ambulance charges)	-	Covered
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.)	-	Not Covered
New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period)	-	Not Covered
Health Checkup (An added benefit of one time full health checkup of policy holder.)	-	Covered
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract)	-	-
Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer)	-	-
Plan Entry Age	18 to 65 years	Children: 91 days; Adults: 18 years
Plan Waiting Period	30	30 days
Plan Coverage	Group medical cover	-
Plan Sample Premium	NA	-
Plan Brochure	-	Brochure URL
Policy Term	1 year	1/2/3 Years
ICU Charges	-	Covered
Covid-19 Treatment	-	Not Covered
Cataract	-	Covered
Automatic Restoration	-	Covered
Ayush Treatment	-	Covered
Modern Treatment	-	Covered
E Consultation	-	Covered
Air Ambulance	-	Not Covered
Global Coverage	-	Not Covered
Claim Ratio	87.50	95.30
Solvency Ratio	2.35	2.00

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