Additional sum Insured for Road Traffic Accident

Additional Sum Insured for Road Traffic Accident (RTA) in the Family Health Optima Policy: If the insured person meets with a Road Traffic Accident resulting in in-patient hospitalization, then the Basic sum insured shall be increased by 25% subject to a maximum of Rs.5,00,000/- and subject to the following: 1. It is evidenced that the insured person was wearing helmet and was either riding or travelling as pillion rider in a two wheeler at the time of accident as evidenced by Police record and Hospital record. 2. The additional sum insured shall be available only once during the policy period. 3. The additional sum insured shall be available after exhaustion of the limit of coverage. 4. The additional sum insured can be utilized only for the particular hospitalization following the Road Traffic Accident 5. Automatic Restoration of Basic Sum Insured and Recharge Benefit shall not apply for this benefit 6. This benefit shall not be applicable for day care treatment 7. The unutilized balance cannot be carried forward for the remaining policy period or for renewal 8. Claim under this benefit will impact the Bonus