• Apollo Munich Optima Restore Plan

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    Cashless Treatment

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    Optima Restore is a health insurance plan offered by Apollo Munich Health Insurance Company. It offers a ‘restore’ benefits which automatically restores the basic sum insured in case you consume it in a policy year. If one of the family members consumes the floater sum insured during the policy tenure and any other family member falls sick later in the same insured period, the policy will restore the entire amount without charging any extra premiums. Total sum insured offered with this plan is 3-50 lakhs. Under Optima Restore, Apollo Munich offers two sub health insurance plans: Optima Restore Family and Optima Restore Individual.

    Optima Restore Family: Key Highlights

    • Get coverage from the age of 5 years to 65 years.
    • The plan also includes dependent child from the 91st day of its birth, if parents are covered under this policy.
    • You and your family members including spouse, dependent children, dependent parents and parents in law are eligible for buying this cover on floater sum insured basis.
    • You can add maximum 6 members with a maximum of 2 adults and 5 children in one single policy.
    • Premium at renewal may change depending on the change in your age or changes in the current tax rate.
    • The policy tenure includes a period of 1 to 2 years.
    • The policy offers lifelong renewability and 30 days of grace period for renewing the policy.
    • 1 year waiting period on every continuous renewal of your policy.
    • Offers ‘Stay Healthy Package’ which includes your online health assessment, E-storage facilities to store your medical reports and access them 24X7, customized diet & exercise plan from medical experts, and attractive offers & discounts on health products and services etc.

    Benefits of Optima Restore Family:

    • The policy comes with a ‘multiplier’ benefit. If you don’t make any claim in your policy, the basic sum assured become double in 2 claim free years. Get a bonus of 50% of the basic sum insured for every claim free year, and accumulate up to 100%.
    • Offers ‘restore’ benefit.
    • Get 7.5% discount for buying a 2 year policy.
    • Offers cashless hospitalization.
    • Get sum insured enhancement facility using which sum insured can be enhanced at the time of renewal, provided no claim is made.
    • Offers portability. You can shift your policy form other health insurance provider to Apollo Munich.
    • Get tax benefits with the Optima Restore Family health insurance plan for the premium paid under section 80D of the Income Tax Act, 1961.
    • Pre-hospitalization & post -hospitalization expenses are covered.
    • Treatment expenses for the organ donor at the time of organ transplant is covered.
    • A lump sum amount is given for sharing a in a network hospital.
    • Expenses incurred in ambulance service is covered up to Rs. 2000.
    • Second opinion from medical practitioner is arranged on request from the insured person diagnosed with a critical illness.

    Optima Restore Individual: Key Highlights

    • Get coverage from the age of 5 years to 65 years.
    • The plan also includes dependent child from the 91st day of its birth, if parents are covered under this policy.
    • You and your family members including spouse, dependent children, dependent parents and parents in law are eligible for buying this cover on floater sum insured basis.
    • Get 10% discount for adding two or more family members under the same policy.
    • You can add a maximum of 4 adults and a maximum of 5 children in an individual policy.
    • Premium at renewal may change depending on the change in your age and change in the current tax rate.
    • The policy tenure includes a period of 1 to 2 years.
    • The policy offers lifelong renewability and 30 days of grace period for renewing the policy.
    • 1 year waiting period on every continuous renewal of your policy.
    • Offers ‘Stay Healthy Package’ which includes your online health assessment, E-storage facilities to store your medical reports and access them 24X7, customized diet & exercise plan from medical experts and attractive offers & discounts on health products and services etc.

    Benefits of Optima Restore Individual:

    Optima Restore Individual comes with a wide range of benefits which include:

    • Offers multiplier benefit which doubles your claim in two claim free years, if you don’t make any claim in your policy.
    • Get 7.5% discount for buying a policy for two years.
    • Offers cashless hospitalization.
    • Get sum insured enhancement. Sum insured can be enhanced at the time of renewal, provided no claim is made.
    • Offers ‘restore’ benefit.
    • Offers portability. You can shift your policy form other health insurance providers to Apollo Munich.
    • Get tax benefits for the premium paid under section 80D of the Income Tax Act, 1961.
    • Pre-hospitalization & post -hospitalization expenses are covered.
    • Treatment expenses for the organ donor at the time of organ transplant is covered.
    • A lump sum amount is given for sharing a room in a network hospital.
    • Expenses incurred in ambulance service is covered up to Rs. 2000.
    • Second option from medical practitioner is arranged on request from the insured person diagnosed with a critical illness.   

    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 Restore 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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