You need health cover regardless of what you take two at a time - pills or stairs.
  • Apollo Munich Optima Senior Plan

    Apollo Munich Health Insurance

    The plan offers health insurance cover for senior citizens and their spouses. It offers a wide variety of benefits and even discounts if the policy is taken for 2 years or if it is used to cover you and your spouse.

    Benefits & Features - Apollo Munich Optima Senior

    Entry Age 61 years and above
    Basis Individual
    Policy Period 1 year or 2 years with a grace period of 30 days
    Renewability Lifelong
    Sum Insured The sum insured can be Rs. 2 lakhs, Rs. 3 lakhs or Rs. 5 lakhs
    Premium The premium will depend on the sum insured and the age of the policyholders. It can range from Rs. 12,000 to Rs. 90,000
    Discount
    • 5% discount is offered if your spouse is also covered under the plan
    • 7.5% discount is offered if the policy is taken for 2 years
    • It also offers a 5% cumulative discount for claim-free years
    Co-Payments
    • 15% in case the accommodation is a twin sharing room or lower
    • 30% co-pay will apply for single occupancy or higher category rooms
    • 30% co-pay will apply for specified Illness or surgeries like cataract, hysterectomy, arthroscopy
    • For day care procedures the co-pay amount will be 15%
    Coverage
    • The plan can be used to cover your spouse too
    • The plan will cover a second opinion by one of their doctors if a diagnosis of a critical illness is received
    • Pre-hospitalisation expenses of up to 30 days before hospitalisation are covered
    • Post-hospitalisation expenses of up to 60 days after hospitalisation will also be covered
    • Cover is provided for up to 140 day-care procedures
    • Domiciliary treatment will also be covered
    • Treatment for organ donors for the harvesting of organs will also be covered
    • Ambulance charges of up to Rs. 2,000 will be covered for each hospitalisation
    • Pre-existing conditions will be covered after a waiting period of 3 years
    • The waiting period for certain diseases like cataract, hernia, joint replacements etc. will be 2 years
    • Only accidental injuries will be covered for the first 30 days of the policy
    Benefits
    • The network for this policy is spread across 800 cities and more than 4,000 hospitals
    • The company offers portability options which means that you can shift to Apollo Munich upon renewal of policy
    • Premiums paid towards this policy are eligible for tax benefits under section 80D of the IT Act
    Exclusions
    • HIV/AIDS expenses will be excluded
    • Treatment for congenital diseases, mental disorders or cosmetic surgeries will be excluded
    • Any item meant for personal comfort will not be covered
    • Pregnancy and dental treatments will also not be covered
    • Abuse of intoxicating substances will also be excluded from cover

    Other Health Insurance Plans from Apollo Munich

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