• Apollo Munich Optima Cash Plan

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    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    This health insurance plan provides coverage for daily cash in case you are hospitalised due to accident or illness.

    Features & Benefits - Apollo Munich Optima Cash:

    Entry Age 5 years- 65 years. A dependent child is covered from the 91st day if one of the parent is covered under this policy.
    Policy Period 1 or 2 years.
    Renewability
    • Lifelong renewability.
    • 30 day grace period is provided for renewing the policy.
    • Renewal premium is subject to change with approval from IRDA, this change will be intimidated 3 months in advance to the policy holder.
    • Waiting period gets reduced by one year on the continuous renewal of Optima policy.
    Basis
    • Individual and their family members are eligible for the cover. Family members include their spouse, dependent children, dependent parents, parents-in-law, grandparents and grandchildren.
    • A 10% family discount is applicable if 2 members of the family are covered.
    Sum Insured Daily Cash plan of Rs.1000, Rs.2000 and Rs.3000.
    Plan Benefit
    • Sickness Hospital Cash covers the daily cash amount flow for up to 90 days per policy year.
    • Sickness ICU Cash is twice the daily cash given to the insured admitted in ICU for a maximum of 15 days per policy year.
    • Accident Hospital Cash covers daily cash if the insured is hospitalised due to an accident for up to 90 days per policy year.
    • Accident ICU Cash is twice the daily cash amount provided to the insured who is admitted in the ICU due to accident for a maximum of up to 15 days per policy year.
    • Day Care Procedure Cash covers 50% of the daily cash amount if the insurer is going through any of the 10 identified procedure that does not require the insured to be hospitalised. A maximum of up to 6 day care procedures are covered every policy year.
    • Joint Hospitalisation due to an accident covers twice the daily cash to the two or more insured persons who are simultaneously hospitalised due to an accident. Coverage is for a maximum of 10 days per policy year.
    • Convalescence Cash is a lump sum amount paid to the insured if he is hospitalised beyond 7 continuous days. This is covered once per policy year.
    • Child birth benefit is covered under platinum plan it provides a lump sum amount twice the amount of Sickness Daily Cash for maternity for female insured. It is payable twice during the life time.
    • Parent Accommodation is given in case the insured child who is aged 12 years or less is hospitalised for more than 72 hours. Coverage is for a maximum of 30 days per policy year.
    Add-on Covers
    • Policy holder can obtain cashless service. They need get a pre-authorization for the planned admissions. It needs to be obtained 48 hours prior to the admission. Any emergency admission should be notified within 24 hours.
    • Sum insured can be enhanced at the time of renewal provided that there was no claim lodged and paid.
    • On renewal, the policy holder can shift from other company‚Äôs health insurance to Apollo Munich.
    Tax Benefit Policy holder can avail tax benefits for the premium amount paid under Section 80D of the Income Tax Act.
    Exclusion
    • Treatments within the first 30 days are not covered except accidental injury.
    • Pre-existing conditions will be covered after the 4 year waiting period.
    • There is a 2 year waiting period for cataract, hernia, joint replacement surgery, surgery of hydrocele etc. to be covered.
    • Expenses rising from AIDS and HIV related diseases are excluded.
    • Insanity, cosmetic surgery, congenital diseases and weight control treatments are not covered.
    • Abuse of drugs and alcohol and the expenses incurred from them are not covered.
    • The policy excludes coverage on hospitalization due to war or act of war.
    • Pregnancy, dental treatment, external aids and appliances are not covered unless specified in the policy.
    • Items of personal comfort and convenience is excluded from this policy.
    • Treatment through experimental and unproven treatment devices are not covered.

    Apollo Munich provides Health Line Services and Discounts as well, through which the insured can avail help in primary consultation, health-related counselling, health information, nutrition and diet etc.

    Disclaimer: Please read and check the details of the policy to see if it meets all your requirements.

    Find cashless network hospitals nearby: Apollo Munich Network Hospital

    Find cashless network hospitals nearby: Apollo Munich Network Hospital

    Other Health Insurance Plans from Apollo Munich

    This Insurance Company has not partnered with BankBazaar.com. For more details, please visit its website/branch office. The trademarks, logos and other subject matters of intellectual property belong to their respective owners.

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

    Apollo Munich Optima Cash Plan Reviews

  • Page 1 of 15 1 2 3 4 5
    • Apollo Munich Health Insurance
      "The Best"
      0.5 5.0/5 "Blown Away!"
      Since I'm working with health insurance. It is easy to claim in Apollo Munich. The best hospital list covered in this policy. The best health insurance company in PAN India. In my company, they are paying the insurance premium for me and my family.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 14, 2018
    • Apollo Munich Health Insurance
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I've a health insurance policy with the Apollo Munich Insurance company. I pay a premium of 19000, I do not have any claim experience with the policy. Sometimes I make payments via cheque and sometimes online. Overall their services are good even though I never had any claim experience with them.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 12, 2018
    • Apollo Munich Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with Apollo Munich from last 6 months, i am happy with the coverage value of this insurance policy and it is family policy. A premium of Rs 8000 has to be paid for this insurance. I have no claim experience and the coverage value of this insurance is 3 lakhs.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 08, 2018
    • Apollo Munich Health Insurance
      "Excellent service"
      0.5 4.0/5 "Great!"
      I have got the health insurance policy around 15 years ago from the APOLLO MUNICH. I pay the premium amount of Rs,3736 every year to renew the policy. This policy covers only one member which is myself. The customer support service and the response is good with the Apollo Munich because they give intimations to renew the policy on time.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 04, 2018
    • Apollo Munich Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with Apollo Munich from last 4 years, i am not aware of the premium amount as my company pays it. I have a coverage value of Rs 5 lakhs and i am satisfied with it. My claim experience was good with this insurance as they covered 90% and it was a cashless treatment.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 20, 2018
    • Apollo Munich Health Insurance
      "Health insurance with APOLLO MUNICH"
      0.5 3.0/5 "Satisfactory"
      I hold a health insurance from APOLLO MUNICH. This was a corporate insurance having a policy coverage of 2 to 3 lakhs. This policy do have cover for me and my spouse.There is no claim experience for the policy. They provide reimbursement facility.
      Was this review helpful? 0
      , vellore
      Reviewed on May 14, 2018
    • Apollo Munich Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have taken a family health insurance with Apollo Munich from last 3 years, i pay a premium of Rs 13000 which has to be paid every year for this insurance. I have a coverage value of Rs 5 lakhs and i am satisfied with it. I have not claimed anything so far from this insurance.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 07, 2018
    • Apollo Munich Health Insurance
      "Good policy to use"
      0.5 5.0/5 "Blown Away!"
      I have got the health insurance policy from the APOLLO MUNICH around 2 years ago, this is a corporate policy which is provided by my company. This policy covers 4 members in my family, which does not include my parents. This policy has a medical coverage up to Rs,4,00,000 in it. I would say it is a good policy to use.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 02, 2018
    • Apollo Munich Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a company provided health insurance with Apollo Munich from last 6 years, i have not claimed anything so far with this insurance policy. I am not aware of the premium amount as my company pays it. I have a coverage value of Rs 3 lakhs for this insurance.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 26, 2018
    • Apollo Munich Health Insurance
      "best experience"
      0.5 3.0/5 "Satisfactory"
      I had taken a Health insurance policy from the top most private sector insurance company APOLLO MUNICH. Most of all benefits are covered under one policy, so no need to top up my insurance plan. I had received my health card and my policy document by mail. They have a good network with a best corporate hospitals.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 20, 2018
    • Apollo Munich Health Insurance
      "extra ordinary experience"
      0.5 5.0/5 "Blown Away!"
      I had taken a health insurance policy from the top most private sector insurance company APOLLO MUNICH. They couriered my health card to my registered communication address. They have a good network with corporate hospitals. I had a good positive claim experience and i claimed nearly 95% of billed amount.extra ordinary experience
      Was this review helpful? 0
      , coimbatore
      Reviewed on Apr 18, 2018
    • Apollo Munich Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold a health insurance with Apollo Munich from last 3 years and it is one of the good health insurance. This insurance has to be renewed every year and i pay a premium of Rs 15000 for this insurance. I do not have claim experience so far with this insurance and i have a coverage of Rs 5 lakhs for this insurance.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 31, 2018
    • Apollo Munich Health Insurance
      "Need transparency"
      0.5 1.0/5 "Really Bad"
      The service is not up to the mark from the APOLLO MUNICH health insurance company. I have got the health insurance policy from APOLLO MUNICH around 9 months ago. I had a surgery last month but I couldn't claim the medical claim amount . The transparency is not seen in the process. T
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 28, 2018
    • Apollo Munich Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance policy with Apollo Munich from last 15 years and it is a good insurance policy to use. This policy has to be renewed every year and i pay a premium of Rs 25000 for this insurance. I do not have claim experience so far with this insurance and the coverage amount in this insurance is Rs 4 lakhs.
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 22, 2018
    • Apollo Munich Health Insurance
      "Average service"
      0.5 3.0/5 "Satisfactory"
      The service is good with Apollo Munich Health Insurance service. They provided me with the benefits for the whole family. The offers are not as much as I expected. I also have not claimed any service from Apollo Munich Health Insurance service. It was an average service with Apollo Munich Health Insurance service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2018
    • Apollo Munich Health Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      I have taken health insurance from APOLLO MUNICH with a premium of 13000. It covers my whole family. They provide coupons for health check up. They provide both cashless and reimbursement. Still there is no claim experience .
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 12, 2018
    • Apollo Munich Health Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have taken Health Insurance with Apollo Munich.The premium amount is 6500 paid per annum by cheque.I don't have claim experience with them.The policy coverage amount is five lakhs.The policy is taken five months ago.They cover 100% cash less treatment.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 10, 2018
    • Apollo Munich Health Insurance
      "Good"
      0.5 5.0/5 "Blown Away!"
      My health insurance was taken in Apollo Munich. The services are very good. It was taken 7 years back. The policy covers for the entire family and the plan is 4L. There is no claim experience for the last years. They covers all the major and minor diseases. I am paying yearly 10K as a premium.
      Was this review helpful? 0
      , secunderabad
      Reviewed on Mar 09, 2018
    • Apollo Munich Health Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken a Health insurance with Apollo Munich. I am holding the policy for last six months. I have no claim experience with them but they provide 100% coverage for cashless treatment.I pay a premium amount of 3000 quarterly.The policy coverage amount is five lakhs.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 06, 2018
    • Apollo Munich Health Insurance
      "Best health policy"
      0.5 5.0/5 "Blown Away!"
      I had applied and got a Health insurance policy from the Top most insurance company APOLLO MUNICH. I recently renewed my health policy Rs. 6,000/-. I feel my premium amount is very affordable. Its a group policy for my family. Most of all benefits are covered under one policy. I didn't have any claim experience so I am unable to comment on it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 06, 2018
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