Apollo Munich Optima Restore Health Insurance Plan

Benefits of Optima Restore Family

1. 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%.
2. Offers 'restore' benefit.
3. Get 7.5% discount for buying a 2 year policy.
4. Offers cashless hospitalization.
5. Get sum insured enhancement facility using which sum insured can be enhanced at the time of renewal, provided no claim is made.
6. Offers portability. You can shift your policy form other health insurance provider to Apollo Munich.
7. Get tax benefits with the Optima Restore for the premium paid under section 80D of the Income Tax Act, 1961.
8. Pre-hospitalization & post -hospitalization expenses are covered.
9. Treatment expenses for the organ donor at the time of organ transplant is covered.
10. A lump sum amount is given for sharing a in a network hospital.
11. Expenses incurred in ambulance service is covered up to Rs. 2000.
12. Second opinion from medical practitioner is arranged on request from the insured person diagnosed with a critical illness.

Optima Restore Individual: Key Highlights

1. Get coverage from the age of 5 years to 65 years.
2. The plan also includes dependent child from the 91st day of its birth, if parents are covered under this policy.
3. 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.
4. Get 10% discount for adding two or more family members under the same policy.
5. You can add a maximum of 4 adults and a maximum of 5 children in an individual policy.
6. Premium at renewal may change depending on the change in your age and change in the current tax rate.
7. The policy tenure includes a period of 1 to 2 years.
8. The policy offers lifelong renewability and 30 days of grace period for renewing the policy.
9. 1 year waiting period on every continuous renewal of your policy.
10. 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:

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

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