Optima Insurance Brokers Pvt. Ltd.


Employee Benefits

Insurance cover for the employees of a company is an important aspect of social security benefits. It includes insurance policies relating to hospitalisation, untimely death, disabilities, occupational hazards and injuries.

Group Personal Accident Insurance

Accidents can happen anytime. While boarding a bus, going to the bathroom in the night, traveling in the train etc

Insurance provides financial relief in case of an accident. The personal accident policy provides the following coverage:

Low Cost Insurance Cover
This cover can also be given to a group of persons who can come together for a purpose other than insurance e.g. group of employees, group club members etc.


  • Accidental Death – The Sum Insured is paid to the nominee of the insured.
  • Accidental Disability – The Sum Insured or a part of it, depending upon the extent of disability, is paid to the insured on loss of limb/s in case of an accident. This benefit can cover both Permanent Total Disability (PTD) and Permanent Partial Disability (PPD)
  • Loss of Pay – In case the insured is bed ridden due to an accident and is not able to attend office, the policy pays 1% of the Sum Insured as compensation upto 104 weeks. The benefit is also called ‘Weekly Benefit’ or ‘Temporary Total Disability’
  • Medical Expenses – The policy reimburses medical expenses incurred on treatment incase of an accident.


  • Accidents mean anything, which is unforeseen, and therefore cover all types of accidents including road accidents.
  • It is a 24 hours cover, world-wide cover.

Optima’s core group has more than 100 man-years of experience in insurance. Our experience has trained us in reading the fine print of insurance policies, understanding it and applying it for the benefit of our clients.

  • Follow Us:  

Corporate Office

M6, M Block Market, Greater Kailash-II, New Delhi-110 048
+91-11-40 50 51 52, +91-11-40 50 51 53

Registered Office

M4, Greater Kailash-II, New Delhi-100 048

IRDA Registration Number 326  |  CIN : U66030DL2000PTC103603  |  Category : Direct Broker (Life and Non-Life)  |  License period : 22-03-21 to 21-03-24
© 2022 Copyrights, Optima Insurance Brokers Pvt. Ltd.