Apollo Munich Optima Super Health Insurance Plan

Apollo Munich Optima Super Health Insurance Plan Overview:

Apollo Munich Optima Super plan offers a sum insured as per need at a lower cost. There is no need to cross the deductible limits but can be aggregated during a policy period over multiple hospitalizations.

It is a convertible top up plan without deductible amount. It isr best suited for individuals with group cover and low sum insured policies.

Apollo Munich Optima Super Health Insurance Plan Eligibility Criteria:

• This policy covers persons in the age group- 91 days to 65 years.
• Dependent children between 91 days to 5 years can be covered if either parent is covered under the same policy.

Apollo Munich Optima Super Health Insurance Policy Details:

• No maximum cover ceasing age on renewals.
• This policy can be issued to an individual and/or family (includes self, spouse, dependent children and dependent parents).Family discount of 10% if 2 or more family members are covered under the same policy.
• In a family floater policy, a maximum of 2 adults and a maximum of 2 children can be included in a single policy.
• In an individual policy, a maximum of 6 members can be added in a single policy, a maximum of 4 adults (Self, Spouse, Father or Mother) and a maximum of 5 children can be included in a single policy.
• The policy period is of 1 or 2 years and a discount of 7.5% offered if policy is for two years.

Benefits of Apollo Munich Optima Super Health Insurance Plan:

• In-Patient Hospitalisation –It covers you if hospitalised for more than 24 hours.
• Post-Hospitalisation - It covers expenses incurred 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.
• Emergency Ambulance – If ambulance is used, expenses incurred up to Rs. 2000 is reimbursed.

Additional Benefits:

Waiver of Deductible benefit - The option to convert the plan to a full-fledged Indemnity Health Insurance plan with no underwriting or medicals is available only at renewal between 55-60 years provided insured enrolled with this policy before the age of 50 years and have renewed continuously without a break.

Cashless Service - You need to obtain a pre-authorization 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.

Fringe benefits:

These services intend to make our life easier and stress free.

Health line: Expert consultation, individual referrals, health information, nutrition and diet charts on calling our customer service and quoting a unique ID.

Health Risk Assessment – Personalised services through online proofing and monitoring of patients.

Apollo Munich Optima Super Health Insurance Policy Details:

Renewal Benefits

Lifelong renewability: no maximum cover ceasing age in this policy

Grace Period of 30 days for renewing the policy.

The waiting period gets reduced by 1 year on every continuous renewal.

Renewal premium are subject to change with prior approval from IRDA. Any change in benefits or premium (other than due to change in age) will be done with the approval of the IRDA and will be informed at least 3 months in advance

Requirement:

Completed proposal form

Pre- Acceptance Medical Test:

• Pre-Policy Check-up based upon sum insured & deductible at our network may be required. The cost of such medicals would be borne by the Insured and upon acceptance, we shall refund 100% of the expenses incurred on medical tests. The medical reports are valid for a period of 30 days from the date of Pre-Policy Check-up.

Discounts:

• 7.5% discount in case the Insured Person is paying 2 years premium in advance as single premium

• Family Discount of 10% if 2 family members are covered under Optima Super policy.

Apollo Munich Optima Super Health Insurance Policy Termination:

Policy can be terminated at any time by providing a written notice. The cancellation shall be from the date of receipt of such written notice.

Refund rules:

Apollo Munich Optima Super Health Insurance Premium Details:

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