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  • Apollo Munich Optima Restore Plan

    Apollo Munich Health Insurance

    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.

    Other Health Insurance Plans from Apollo Munich

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