Apollo Munich Optima Super Health Insurance

*Please note that the quotes shown will be from our partners

Optima Super Health Insurance Policy Overview:

Optima Super (Top-up) is an aggregate plan that offers a varied sum insured & deductible combinations which allows optimum coverage as per the needs. It also offers an option to convert to a Fully Nil Deductible plan on retirement.

Apollo Munich Optima Super Health Insurance Plan Eligibility Criteria :

  • Minimum- 5 years, max- 65 years. A dependent child can be covered from the 91st day (if either parent is covered under this policy).
  • Family members (spouse, dependent children, and dependent parents) can be covered on a floater sum insured basis.

Apollo Munich Optima Super Health Insurance Policy Details:

  • Maximum 4 members can be added in a floater policy with a maximum of 2 adults (a combination of Self, Spouse, Father or Mother) and a maximum of 2 children. The 2 adults can be
  • Premium may change at renewal due to a change in age or change in the tax rate.
  • Policy period of 1 or 2 years (7.5% discount is offered for a 2 year policy).

Optima Super Health Insurance Policy Benefits:

  • In-Patient Hospitalisation – It covers you if hospitalisation is for more than 24 hours.
  • Pre-Hospitalisation – It covers medical expenses incur 60 days prior to hospitalisation
  • Post-Hospitalisation – It covers your expenses you incur in the 90 days immediately after release from the hospital
  • Day-Care Procedures - It covers you even when you are not in the hospital but at the ease of your home (144 day-care procedures) and domiciliary treatment.
  • Organ Donor – It covers you and your donor.
  • Daily Cash for Choosing Shared Accommodation - A lump sum amount given for selecting a shared room in a network hospital.
  • Domiciliary Treatment – The treatment expenses involved in getting a treatment done at home which otherwise would need hospitalization.
  • Emergency Ambulance - Expenses incurred if ambulance service is used on the way to hospital for hospitalization (up to Rs. 2000).

Additional Benefits:

  • Waiver of Deductible benefit - The option to convert the plan to a fully-fledged Indemnity Health Insurance plan with no underwriting or medicals is available only at the time of renewal between 55-60 years only if enrolled under this policy before 50 years and have renewed continuously without a break.
  • Cashless Service - Pre-authorization is required for all planned admissions at least 48 hours prior to actual admission or regularize any ‘emergency’ admission within 24 hours post the admission.
  • Portability – Shifting to the policy from another company is hassle free and due allowances are provided for delay and transfer of most of the accrued benefits.
  • Tax Benefits - Avail tax benefits for the premium amount under Section 80D of the Income Tax Act.
  • Healthline – consultation with experts for primary consultation, health-related counselling, individual referrals, health information, nutrition and diet. Personalised treatment at no extra cost.
  • HealthRisk Assessment- Access to a health risk assessment tool, which helps to provide health status through website and gives personalized wellness recommendations on diet, lifestyle and nutrition regimen.

Optima Super Health Insurance Renewal Policy:

  • Lifelong renewability:  No maximum cover ceasing age in this policy
  • Grace Period of 30 days for renewal.
  • Waiting periods gets reduced by 1 year on every continuous renewal of policy.
  • Renewal premium are subject to change and will be done with the approval of the IRDA and will be intimated at least 3 months in advance.

Exclusions in Apollo Munich Optima Super Health Insurance :

  • All treatments within the first 30 days of cover are excluded, except accidental injury.
  • Pre-existing condition is covered after a waiting period of 4 years and for specific diseases like cataract, hernia, joint replacement surgeries, surgery of hydrocele etc. the waiting period is 2 years.
  • Expenses arising from HIV or AIDS and related diseases/Congenital diseases, mental disorder or insanity, cosmetic surgery and weight control treatments.
  • Hospitalization due to war/related situations.
  • Pregnancy, dental treatment, external aids and appliances.
  • Experimental, investigative and unproven treatment devices and pharmacological regimens.

 

Apollo Munich Optima Super Health Insurance Premium Details:

 

Sum Insured

500000

Deductible

100000

200000

300000

400000

500000

600000

700000

1000000

Age Group

1A+1C

1A+1C

1A+1C

1A+1C

1A+1C

1A+1C

1A+1C

1A+1C

18-35

3,855

3,085

2,820

2,630

2,430

2,245

1,980

1,670

36-45

4,755

4,085

3,655

3,385

3,045

2,690

2,295

1,935

46-50

7,045

6,150

5,435

4,865

4,500

3,970

3,570

3,050

51-55

10,065

8,835

7,795

6,955

6,260

5,655

5,095

4,360

56-60

12,755

11,295

9,785

8,765

7,710

6,770

6,105

5,225

61-65

18,005

15,890

13,680

11,850

10,065

8,755

7,820

6,590

66-70

22,325

20,155

16,970

14,345

12,150

10,825

9,955

8,150

>70

27,240

25,170

22,235

18,360

14,795

13,175

12,125

9,925

Sum Insured

700000

Deductible

100000

200000

300000

400000

500000

600000

700000

1000000

Age Group

1A+1C

1A+1C

1A+1C

1A+1C

1A+1C

1A+1C

1A+1C

1A+1C

18-35

4,530

3,625

3,315

3,130

2,975

2,835

2,565

2,295

36-45

5,590

4,800

4,300

4,030

3,730

3,395

2,975

2,660

46-50

8,285

7,230

6,390

5,790

5,515

5,010

4,625

4,200

51-55

11,835

10,385

9,160

8,275

7,670

7,135

6,595

5,995

56-60

14,995

13,280

11,505

10,430

9,450

8,545

7,905

7,190

61-65

21,160

18,675

16,080

14,105

12,335

11,050

10,130

9,065

66-70

26,240

23,690

19,950

17,070

14,890

13,660

12,895

11,210

>70

32,015

29,585

26,135

21,850

18,135

16,630

15,705

13,650

Sum Insured

1000000

Deductible

100000

200000

300000

400000

500000

600000

700000

1000000

Age Group

1A+1C

1A+1C

1A+1C

1A+1C

1A+1C

1A+1C

1A+1C

1A+1C

18-35

5,145

4,175

3,910

3,790

3,715

3,655

3,420

3,235

36-45

6,350

5,525

5,070

4,875

4,655

4,370

3,965

3,750

46-50

9,410

8,325

7,540

7,010

6,875

6,450

6,165

5,915

51-55

13,440

11,955

10,810

10,020

9,570

9,195

8,795

8,450

56-60

17,030

15,290

13,570

12,630

11,785

11,010

10,540

10,130

61-65

24,040

21,505

18,970

17,080

15,385

14,235

13,505

12,775

66-70

29,805

27,280

23,535

20,670

18,570

17,595

17,185

15,800

>70

36,365

34,065

30,835

26,460

22,620

21,420

20,935

19,235

                           

 

 

Sum Insured

500000

Deductible

100000

200000

300000

400000

500000

600000

700000

1000000

Age Group

1A+2C

1A+2C

1A+2C

1A+2C

1A+2C

1A+2C

1A+2C

1A+2C

18-35

4,625

3,700

3,385

3,160

2,915

2,695

2,380

2,005

36-45

5,530

4,700

4,220

3,910

3,530

3,140

2,695

2,270

46-50

7,820

6,765

6,000

5,390

4,985

4,415

3,965

3,385

51-55

10,835

9,450

8,355

7,480

6,745

6,105

5,490

4,695

56-60

13,525

11,915

10,350

9,290

8,195

7,220

6,500

5,560

61-65

18,775

16,505

14,240

12,380

10,550

9,205

8,220

6,925

66-70

23,095

20,770

17,535

14,870

12,635

11,270

10,350

8,485

>70

28,010

25,785

22,800

18,890

15,285

13,625

12,520

10,255

Sum Insured

700000

Deductible

100000

200000

300000

400000

500000

600000

700000

1000000

Age Group

1A+2C

1A+2C

1A+2C

1A+2C

1A+2C

1A+2C

1A+2C

1A+2C

18-35

5,435

4,350

3,975

3,760

3,575

3,405

3,080

2,755

36-45

6,500

5,525

4,960

4,655

4,330

3,960

3,490

3,120

46-50

9,190

7,955

7,055

6,415

6,110

5,575

5,135

4,655

51-55

12,740

11,110

9,825

8,900

8,270

7,705

7,110

6,455

56-60

15,900

14,005

12,165

11,055

10,045

9,115

8,420

7,650

61-65

22,070

19,400

16,740

14,730

12,930

11,615

10,645

9,525

66-70

27,150

24,415

20,610

17,695

15,485

14,225

13,405

11,670

>70

32,925

30,310

26,800

22,480

18,735

17,195

16,220

14,110

Sum Insured

1000000

Deductible

100000

200000

300000

400000

500000

600000

700000

1000000

Age Group

1A+2C

1A+2C

1A+2C

1A+2C

1A+2C

1A+2C

1A+2C

1A+2C

18-35

6,175

5,010

4,690

4,550

4,455

4,385

4,105

3,885

36-45

7,380

6,360

5,850

5,635

5,395

5,100

4,650

4,400

46-50

10,440

9,160

8,320

7,770

7,620

7,180

6,845

6,565

51-55

14,470

12,790

11,590

10,780

10,310

9,925

9,480

9,100

56-60

18,060

16,125

14,355

13,385

12,530

11,740

11,225

10,780

61-65

25,065

22,340

19,750

17,835

16,125

14,965

14,190

13,425

66-70

30,835

28,115

24,315

21,425

19,315

18,330

17,870

16,445

>70

37,395

34,900

31,615

27,220

23,365

22,155

21,620

19,885

                     

 

 

Sum Insured

 

 

 

 

500000

 

 

 

Deductible

100000

200000

300000

400000

500000

600000

700000

1000000

Age Group

2A

2A

2A

2A

2A

2A

2A

2A

18-35

4,110

3,290

3,005

2,805

2,590

2,395

2,115

1,780

36-45

5,555

4,890

4,345

4,010

3,575

3,105

2,620

2,205

46-50

9,220

8,195

7,195

6,380

5,900

5,150

4,655

3,995

51-55

14,050

12,490

10,965

9,720

8,720

7,850

7,095

6,085

56-60

18,355

16,430

14,155

12,620

11,040

9,635

8,710

7,470

61-65

26,750

23,775

20,380

17,560

14,805

12,810

11,460

9,655

66-70

33,665

30,605

25,650

21,545

18,145

16,120

14,870

12,150

>70

41,525

38,630

34,070

27,975

22,380

19,885

18,345

14,985

Sum Insured

 

 

 

 

700000

 

 

 

Deductible

100000

200000

300000

400000

500000

600000

700000

1000000

Age Group

2A

2A

2A

2A

2A

2A

2A

2A

18-35

4,835

3,865

3,535

3,340

3,175

3,025

2,735

2,450

36-45

6,530

5,745

5,110

4,775

4,385

3,915

3,390

3,035

46-50

10,840

9,635

8,460

7,590

7,235

6,500

6,030

5,490

51-55

16,515

14,680

12,890

11,570

10,690

9,905

9,185

8,370

56-60

21,575

19,315

16,640

15,015

13,535

12,165

11,280

10,275

61-65

31,445

27,950

23,955

20,895

18,150

16,165

14,840

13,280

66-70

39,570

35,975

30,150

25,640

22,240

20,340

19,260

16,710

>70

48,810

45,405

40,050

33,290

27,430

25,095

23,760

20,615

Sum Insured

 

 

 

 

1000000

 

 

 

Deductible

100000

200000

300000

400000

500000

600000

700000

1000000

Age Group

100000

200000

300000

400000

500000

600000

700000

1000000

18-35

2A

2A

2A

2A

2A

2A

2A

2A

36-45

5,490

4,450

4,170

4,045

3,960

3,895

3,650

3,450

46-50

7,420

6,615

6,025

5,780

5,465

5,045

4,520

4,275

51-55

12,310

11,090

9,980

9,195

9,020

8,375

8,035

7,740

56-60

18,760

16,905

15,210

14,010

13,330

12,760

12,245

11,795

61-65

24,505

22,235

19,630

18,185

16,880

15,670

15,040

14,485

66-70

35,715

32,180

28,265

25,305

22,635

20,825

19,785

18,715

>70

44,945

41,420

35,570

31,045

27,735

26,205

25,675

23,555

 

 

Sum Insured

 

 

 

 

500000

 

 

 

Deductible

100000

200000

300000

400000

500000

600000

700000

1000000

Age Group

2A+1C

2A+1C

2A+1C

2A+1C

2A+1C

2A+1C

2A+1C

2A+1C

18-35

5,395

4,315

3,945

3,685

3,400

3,145

2,775

2,335

36-45

6,840

5,915

5,285

4,890

4,385

3,855

3,280

2,760

46-50

10,505

9,225

8,135

7,255

6,710

5,900

5,315

4,550

51-55

15,335

13,515

11,905

10,600

9,530

8,600

7,755

6,640

56-60

19,640

17,460

15,095

13,495

11,850

10,385

9,370

8,030

61-65

28,035

24,805

21,320

18,435

15,615

13,555

12,120

10,210

66-70

34,950

31,630

26,590

22,420

18,950

16,865

15,530

12,705

>70

42,810

39,655

35,010

28,850

23,190

20,630

19,005

15,545

Sum Insured

 

 

 

 

700000

 

 

 

Deductible

100000

200000

300000

400000

500000

600000

700000

1000000

Age Group

2A+1C

2A+1C

2A+1C

2A+1C

2A+1C

2A+1C

2A+1C

2A+1C

18-35

6,345

5,075

4,640

4,385

4,170

3,970

3,595

3,215

36-45

8,040

6,955

6,215

5,820

5,375

4,860

4,245

3,800

46-50

12,350

10,840

9,565

8,635

8,225

7,445

6,885

6,260

51-55

18,025

15,890

13,995

12,615

11,680

10,850

10,045

9,135

56-60

23,085

20,520

17,745

16,060

14,525

13,110

12,135

11,040

61-65

32,955

29,160

25,060

21,940

19,140

17,110

15,695

14,045

66-70

41,080

37,180

31,255

26,685

23,230

21,290

20,115

17,475

>70

50,320

46,615

41,155

34,335

28,425

26,040

24,615

21,380

Sum Insured

 

 

 

 

1000000

 

 

 

Deductible

100000

200000

300000

400000

500000

600000

700000

1000000

Age Group

2A+1C

2A+1C

2A+1C

2A+1C

2A+1C

2A+1C

2A+1C

2A+1C

18-35

7,205

5,845

5,475

5,310

5,200

5,115

4,790

4,530

36-45

9,135

8,010

7,330

7,045

6,705

6,265

5,660

5,355

46-50

14,025

12,485

11,285

10,455

10,260

9,590

9,175

8,820

51-55

20,475

18,295

16,510

15,275

14,565

13,980

13,385

12,875

56-60

26,220

23,630

20,935

19,450

18,115

16,885

16,180

15,565

61-65

37,430

33,570

29,565

26,565

23,870

22,040

20,925

19,795

66-70

46,660

42,810

36,870

32,310

28,970

27,425

26,815

24,630

>70

57,160

53,670

48,555

41,575

35,450

33,545

32,810

30,135

 

 

 

Sum Insured

 

 

 

 

500000

 

 

 

Deductible

100000

200000

300000

400000

500000

600000

700000

1000000

Age Group

2A+2C

2A+2C

2A+2C

2A+2C

2A+2C

2A+2C

2A+2C

2A+2C

18-35

6,165

4,935

4,510

4,210

3,885

3,595

3,170

2,670

36-45

7,610

6,535

5,850

5,415

4,870

4,300

3,675

3,095

46-50

11,275

9,840

8,700

7,785

7,195

6,350

5,710

4,885

51-55

16,105

14,135

12,470

11,125

10,015

9,045

8,150

6,975

56-60

20,410

18,075

15,660

14,020

12,335

10,835

9,765

8,360

61-65

28,805

25,420

21,885

18,960

16,100

14,005

12,515

10,545

66-70

35,720

32,250

27,150

22,950

19,440

17,315

15,930

13,040

>70

43,580

40,275

35,575

29,380

23,675

21,080

19,400

15,875

Sum Insured

 

 

 

 

700000

 

 

 

Deductible

100000

200000

300000

400000

500000

600000

700000

1000000

Age Group

2A+2C

2A+2C

2A+2C

2A+2C

2A+2C

2A+2C

2A+2C

2A+2C

18-35

7,250

5,800

5,305

5,010

4,765

4,535

4,105

3,675

36-45

8,950

7,680

6,875

6,445

5,970

5,430

4,760

4,260

46-50

13,255

11,565

10,225

9,260

8,820

8,015

7,400

6,715

51-55

18,930

16,615

14,660

13,240

12,275

11,420

10,555

9,595

56-60

23,990

21,245

18,405

16,685

15,120

13,675

12,650

11,500

61-65

33,860

29,885

25,725

22,565

19,735

17,675

16,210

14,505

66-70

41,985

37,905

31,915

27,310

23,825

21,855

20,630

17,935

>70

51,230

47,340

41,820

34,960

29,020

26,605

25,125

21,840

Sum Insured

 

 

 

 

1000000

 

 

 

Deductible

100000

200000

300000

400000

500000

600000

700000

1000000

Age Group

2A+2C

2A+2C

2A+2C

2A+2C

2A+2C

2A+2C

2A+2C

2A+2C

18-35

8,235

6,680

6,255

6,065

5,940

5,845

5,475

5,180

36-45

10,165

8,845

8,110

7,805

7,445

6,995

6,345

6,000

46-50

15,055

13,320

12,065

11,215

11,000

10,325

9,860

9,465

51-55

21,505

19,130

17,295

16,030

15,310

14,710

14,070

13,525

56-60

27,250

24,465

21,715

20,205

18,860

17,615

16,860

16,210

61-65

38,460

34,405

30,350

27,325

24,615

22,775

21,610

20,440

66-70

47,690

43,645

37,655

33,070

29,715

28,155

27,500

25,280

>70

58,190

54,505

49,335

42,335

36,190

34,275

33,495

30,780

 

*The above premium rates may vary. Please check the policy wordings for more information.